� 
       D081                  Credit One Bank Platinum Visa
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                   � 
       D223                  Credit One Bank Platinum Visa
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                   � 
       D232                  Credit One Bank Platinum Visa
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee  
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                   � 
       D241                  Credit One Bank Platinum Visa
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee 
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                   � 
       D243                  Credit One Bank Platinum Visa
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $95 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                   � 
       D246                  Credit One Bank Platinum Visa
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee 
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
      � 2022 Credit One Bank, N.A. All rights reserved.     
       Credit One�, Credit One Bank�  and the corresponding logos are federally registered trademarks. 2022.06.30
                                                   � 
       D248                  Credit One Bank Platinum Visa
                             25.15% Variable Monthly APR (WSJ Prime + 21.15%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                   �
       D249                  Credit One Bank Platinum Visa
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $95 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                   �
       D250                  Credit One Bank Platinum Visa
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                   �
       D286                  Credit One Bank Platinum Visa
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%)
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                   �
       D289                  Credit One Bank Platinum Visa
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%)
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                   �
       D290                  Credit One Bank Platinum Visa
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%)
                             $39 Annual Fee 
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
      � 2022 Credit One Bank, N.A. All rights reserved.     
       Credit One�, Credit One Bank�  and the corresponding logos are federally registered trademarks. 2022.06.30
                                                       �
       D221                  Credit One Bank American Express Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                       �
       D222                  Credit One Bank American Express Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                       �
       D244                  Credit One Bank American Express Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                       �
       D245                  Credit One Bank American Express Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                       �
       D247                  Credit One Bank American Express Card
                             25.15% Variable Monthly APR (WSJ Prime + 21.15%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                       �
       D251                  Credit One Bank American Express Card
                             25.15% Variable Monthly APR (WSJ Prime + 21.15%) 
                             $0 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                       �
       D252                  Credit One Bank American Express Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
      � 2022 Credit One Bank, N.A. All rights reserved.     
       Credit One�, Credit One Bank�  and the corresponding logos are federally registered trademarks. 2022.06.30
                                                       �
       D255                  Credit One Bank American Express Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $95 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
       D272                  Credit One Bank Wander� Card
                             25.15% Variable Monthly APR (WSJ Prime + 21.15%) 
                             $95 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
       D273                  Credit One Bank Wander� Card 
                             25.15% Variable Monthly APR (WSJ Prime + 21.15%) 
                             $0 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                       �
       D284                  Credit One Bank American Express Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                       �
       D285                  Credit One Bank American Express Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                       �
       D292                  Credit One Bank American Express Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $95 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
      � 2022 Credit One Bank, N.A. All rights reserved.     
       Credit One�, Credit One Bank�  and the corresponding logos are federally registered trademarks. 2022.06.30
                                                   �
       D279                  Credit One Bank Best Friends Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                   �
       D280                  Credit One Bank Best Friends Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                             �
       D281                  Credit One Bank WWE Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $49 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                             �
       D282                  Credit One Bank WWE Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
       D253                  Credit One Bank Wander� Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $95 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater) 
       D254                  Credit One Bank Wander� Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
      � 2022 Credit One Bank, N.A. All rights reserved.     
                                                                          2022.06.30
       Credit One�, Credit One Bank�  and the corresponding logos are federally registered trademarks.
                                                   � 
       D258                  Credit One Bank Platinum Visa Secured Card 
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee 
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                   � 
       D260                  Credit One Bank Platinum Visa Secured Card 
                             24.40% Non-Variable Monthly APR
                             $0 Annual Fee 
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                   � 
       D291                  Credit One Bank Platinum Visa
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $95 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                   � 
       D299                  Credit One Bank Platinum Visa
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                   �
       D300                  Credit One Bank Platinum Visa
                             23.99% Non-Variable Monthly APR
                             $75 Annual Fee first year, then $75 annually ($6.25 per month)
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                       �
       D301                  Credit One Bank American Express Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
      � 2022 Credit One Bank, N.A. All rights reserved.     
                                                                          2022.06.30
       Credit One�, Credit One Bank�  and the corresponding logos are federally registered trademarks.
                                                       �
       D302                  Credit One Bank American Express Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                       �
       D303                  Credit One Bank American Express Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                   �
       D304                  Credit One Bank Platinum Visa
                             23.99% Non-Variable Monthly APR
                             $39 Annual Fee 
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                       �
       D305                  Credit One Bank American Express Card
                             23.99% Non-Variable Monthly APR
                             $39 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                       �
       D306                  Credit One Bank American Express Card
                             23.99% Non-Variable Monthly APR
                             $75 Annual Fee first year, then $75 annually ($6.25 per month)
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
      � 2022 Credit One Bank, N.A. All rights reserved.     
                                                                          2022.06.30
       Credit One�, Credit One Bank�  and the corresponding logos are federally registered trademarks.
                                                       �
       D307                  Credit One Bank American Express Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                       �
       D308                  Credit One Bank American Express Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                    �
       D309                  Credit One Bank Platinum Visa
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $49 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater) 
                                                   �
       D310                  Credit One Bank Best Friends Card
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $95 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                    �
       D312                  Credit One Bank Platinum Visa
                             24.74% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
      � 2022 Credit One Bank, N.A. All rights reserved.     
       Credit One�, Credit One Bank�  and the corresponding logos are federally registered trademarks. 2022.06.30
     D081                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
      Paying Interest      You will be charged interest on Purchases, Balance Transfers and Cash Advances from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $75 for the first year.  After that $99 annually ($8.25 per month). 
                            
      Transaction Fees      
      � Balance Transfers  Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce 
     the amount of your available credit.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
                                           2 
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. There is no grace period and you cannot avoid paying interest on Purchases, Balance Transfers or Cash 
     Advances. 
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
                                           4 
      
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
                                           5 
      
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
                                    Arbitration Agreement 
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
                                           6 
      
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
                                           7 
      
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     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.  
      
                                           8 
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
      
       
                                           9 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current version of this Program may be found at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
                                          10 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22    D081 
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     Back to Top
      
     D223                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
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     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
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     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
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     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
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     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
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     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
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     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
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     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
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     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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.  
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     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement  
      
     This document (�Supplement�) describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements 
     the Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to 
     participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this 
     Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this 
     Supplement controls. 
      
     Earning Cash Back Rewards:  
     You earn cash back rewards in the form of an automatic statement credit equal to 2% of Net Eligible Purchases (as defined below) made with your 
     Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement credit 
     to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes.  Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards on Purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one 
           location may submit purchases using different codes, including codes that are not eligible under this Program. This means that Purchases 
           from the same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline, 
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores), 
        �  mobile phone service, and 
        �  internet, cable and satellite TV service. 
      
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies, 
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     Bank cash back rewards program. 
      
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     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, 
     by federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22      D223 
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      Back to Top
      
     D232                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
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     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
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     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
                                           3 
      
      
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
                                           4 
      
      
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
                                           5 
      
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
                                           6 
      
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
                                           7 
      
      
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
       
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     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
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     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current  version of this Program may be found at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
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     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D232 
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     Back to Top
      
     D241                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
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     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates.  A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
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     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
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     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
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     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
                                           5 
      
      
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
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     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
                                           7 
      
      
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
                                           8 
      
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
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     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
     Rewards Program Supplement 
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, r espectively, by 
     federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D241 
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     Back to Top
      
     D243                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
                            
      Annual Fee           $95 
                            
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
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     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
                                           2 
      
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
                                           3 
      
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
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     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
                                           5 
      
      
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
                                           6 
      
      
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
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     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
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     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 Billing Inquiries address on the statement.  
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of 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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     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus 
     returns, refunds, disputed charges and fraudulent transactions (�Net Eligible Purchases�), as follows: 
      
        �  5% cash back rewards on eligible gas, grocery, mobile phone service, and internet,  cable and satellite TV service purchases for the first 
           $5,000  per calendar year in eligible gas, grocery, mobile phone service, and internet, cable and satellite  TV service purchases,  and then 
           1% thereafter. 
      
           ?  Certain Non-Eligible Purchases.  You will only earn 1% cash back rewards, not 5%, for: 
                ?  Any purchase at a warehouse club (including but not limited to Sam�s Club and Costco); 
                ?  Groceries purchased at stores that sell groceries and other products like drugstores and convenience stores or at smaller 
                  stores like bakeries, candy, nut or confection stores; 
                ?  Purchases for oil or propane or at home heating companies; and 
                ?  Purchases made with PayPal or at a discount supercenter (including but not limited to Wal-Mart and Target). 
      
        �  1% cash back rewards on all other purchases, including, the non-eligible purchases listed above. 
      
     You do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other 
     charges.  We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with 
     your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at 
     the time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value. 
      
     Merchant Categories:  Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�  procedures  based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories.  However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, purchases with that merchant won�t qualify for cash back rewards on purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one 
           location may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases 
           from the same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of eligible and non-eligible purchase at any time without notice. We will give you prior notice to the extent required by law. Any revisions may affect 
     your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
                                          10 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restr icted, respectively, 
     by federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D243 
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     Back to Top
      
     D246                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
                           24.74% 
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate. 
                           24.74% 
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
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     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.   
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
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     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
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     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
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     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
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     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
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     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
                                           7 
      
      
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
                                           8 
      
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
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     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current version of this Program may be found at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
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     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22     D246 
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      Back to Top
     D248                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  25.15% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
                           25.15% 
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate. 
                           25.15% 
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This 
     corresponds to a monthly periodic rate of 2.09583%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates.  A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
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     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
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     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
       
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
                                           6 
      
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
                                           7 
      
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
      
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     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of 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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     Rewards Program Supplement  
     This Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible Code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location 
           may submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the 
           same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category. 
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline, 
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores), 
        �  dining (dining Purchases do not include Purchases at stores like bakeries, candy, nut of confections stores), 
        �  mobile phone service, and 
        �  internet, cable and satellite TV service. 
      
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies, 
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     Bank cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of  Eligible  Purchases.  We  will  give  you  prior  notice  to  the  extent  required  by  law.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
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     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, 
     by federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank� and corresponding logos are federally registered trademarks.  06/22      D248 
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     Back to Top
     D250                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
                           24.74% 
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate. 
                           24.74% 
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
                            
      Annual Fee           $0 
                            
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
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     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
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     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
       
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
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     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
                                           7 
      
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
      
                                           8 
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of 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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     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 2% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible Code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location 
           may submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the 
           same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline, 
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores), 
        �  mobile phone service, and 
        �  internet, cable and satellite TV service. 
      
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies, 
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required 
     to pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases 
     made while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit 
     One Bank cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of 
     a statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making 
     a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused 
                                          10 
      
     by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be 
     your responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of 
     your Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any 
     cash back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, 
     respectively, by federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D250 
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     Back to Top
     D249                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
                            
      Annual Fee           $95 
                            
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
                                           2 
      
     Features and Use of Your Account  
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
                                           3 
      
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
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     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
       
                                           5 
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
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     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
                                           7 
      
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
      
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     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of 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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     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplemen ts the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus 
     returns, refunds, disputed charges and fraudulent transactions (�Net Eligible Purchases�), as follows: 
      
        �  5% cash back rewards on eligible gas, grocery, mobile phone service, and internet,  cable and satellite TV service purchases for the first 
           $5,000  per calendar year in eligible gas, grocery, mobile phone service, and internet, cable and satellite  TV service purchases,  and then 
           1% thereafter. 
      
           ?  Certain Non-Eligible Purchases.  You will only earn 1% cash back rewards, not 5%, for: 
                ?  Any purchase at a warehouse club (including but not limited to Sam�s Club and Costco); 
                ?  Groceries purchased at stores that sell groceries and other products like drugstores and convenience stores or at smaller 
                  stores like bakeries, candy, nut or confection stores; 
                ?  Purchases for oil or propane or at home heating companies; and 
                ?  Purchases made with PayPal or at a discount supercenter (including but not limited to Wal-Mart and Target). 
      
        �  1% cash back rewards on all other purchases, including, the non-eligible purchases listed above. 
      
     You do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other 
     charges.  We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with 
     your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at 
     the time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value. 
      
     Merchant Categories:  Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�  procedures  based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories.  However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, purchases with that merchant won�t qualify for cash back rewards on purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one 
           location may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases 
           from the same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of eligible and non-eligible purchase at any time without notice. We will give you prior notice to the extent required by law. Any revisions may affect 
     your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
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     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, 
     by federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D249 
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     Back to Top
     D286                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $75 for the first year.  After that $99 annually ($8.25 per month). 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce 
     the amount of your available credit.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
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     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
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     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
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     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
      
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
                                           6 
      
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
                                           7 
      
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
                                           8 
      
        �  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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of 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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     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
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     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22    D286 
                                          11 
     Back to Top
     D289                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $75 for the first year.  After that $99 annually ($8.25 per month). 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce 
     the amount of your available credit.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
                                           2 
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
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     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
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     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
       
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
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     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
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     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
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        �  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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of 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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     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
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     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22    D289 
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     Back to Top
      
     D290                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
                           24.74% 
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate. 
                           24.74% 
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
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     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.   
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
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     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
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     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
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     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
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     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
                                           6 
      
      
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
                                           7 
      
      
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
                                           8 
      
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
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     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
                                          10 
      
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22     D290 
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     Back to Top
      
     D221                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
                                           2 
      
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
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     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
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     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
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     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
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     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
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     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
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     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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.  
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     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
     Rewards Program Supplement 
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D221 
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     Back to Top
      
     D222                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
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     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
                                           3 
      
      
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount.  
     (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not 
     receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
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     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
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     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
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     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
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     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
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     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of 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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     Rewards Program Supplement 
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectivel y, by 
     federal, state or local law. 
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D222 
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      Back to Top
      
     D244                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $75 for the first year.  After that $99 annually ($8.25 per month). 
                            
      Transaction Fees      
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce 
     the amount of your available credit.  
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     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
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     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
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     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
                                           4 
      
      
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
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     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
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     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
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     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
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     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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.  
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     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
     Rewards Program Supplement 
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respective ly, by 
     federal, state or local law. 
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D244 
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      Back to Top
     D245                          CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
      Transaction Fees 
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
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     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
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     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
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     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
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     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
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     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
                                           6 
      
      
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
                                           7 
      
      
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
                                           8 
      
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
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     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
     Rewards Program Supplement 
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D245 
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      Back to Top
     D251                          CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  25.15% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
                           25.15%
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate. 
                           25.15%
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
      Transaction Fees 
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
                                           1 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This 
     corresponds to a monthly periodic rate of 2.09583%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
                                           2 
      
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
                                           3 
      
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount.  
     (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not 
     receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
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     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
                                           5 
      
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a co urt. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
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     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
                                           7 
      
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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.  
      
      
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     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
       
                                           9 
      
     Rewards Program Supplement 
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, r espectively, by 
     federal, state or local law. 
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D251 
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     Back to Top
     D247                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  25.15% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
                           25.15% 
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate. 
                           25.15% 
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This 
     corresponds to a monthly periodic rate of 2.09583%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
                                           2 
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount.  
     (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not 
     receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
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     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
                                           5 
      
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a co urt. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
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     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
                                           7 
      
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
       
                                           8 
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of 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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     Rewards Program Supplement 
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, res pectively, by 
     federal, state or local law. 
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D247 
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     Back to Top
     D252                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
                                           2 
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
                                           4 
      
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
                                           5 
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
                                           6 
      
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
                                           7 
      
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
       
                                           8 
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
                                           9 
      
     Rewards Program Supplement 
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D252 
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     D255                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $95 
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
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     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
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     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
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     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
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     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
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     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
                                           7 
      
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
      
                                           8 
      
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
       
                                           9 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus 
     returns, refunds, disputed charges and fraudulent transactions (�Net Eligible Purchases�), as follows: 
      
        �  5% cash back rewards on eligible gas, grocery, mobile phone service, and internet,  cable and satellite TV service purchases for the first 
           $5,000  per calendar year in eligible gas, grocery, mobile phone service, and internet, cable and satellite  TV service purchases,  and then 
           1% thereafter. 
      
           ?  Certain Non-Eligible Purchases.  You will only earn 1% cash back rewards, not 5%, for: 
                ?  Any purchase at a warehouse club (including but not limited to Sam�s Club and Costco); 
                ?  Groceries purchased at stores that sell groceries and other products like drugstores and convenience stores or at smaller 
                  stores like bakeries, candy, nut or confection stores; 
                ?  Purchases for oil or propane or at home heating companies; and 
                ?  Purchases made with PayPal or at a discount supercenter (including but not limited to Wal-Mart and Target). 
      
        �  1% cash back rewards on all other purchases, including, the non-eligible purchases listed above. 
      
     You do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other 
     charges.  We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with 
     your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at 
     the time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value. 
      
     Merchant Categories:  Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�  procedures  based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories.  However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, purchases with that merchant won�t qualify for cash back rewards on purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one 
           location may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases 
           from the same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of eligible and non-eligible purchase at any time without notice. We will give you prior notice to the extent required by law. Any revisions may affect 
     your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
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     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restr icted, respectively, 
     by federal, state or local law. 
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D255 
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     Back to Top
     D272                          CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  25.15% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
                           25.15%
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate.
                           25.15%
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
      How to Avoid Paying Interest on  Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Purchases            on Purchases if you pay your entire balance by the due date each month.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $95 
      Transaction Fees 
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late
                                           1 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This 
     corresponds to a monthly periodic rate of 2.09583%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
                                           2 
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
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     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
      
      
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
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     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
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     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
     In your letter, give us the following information:  
        �  Account information: Your name and Account number.  
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        �  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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Bank Wander Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your Wander credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to 
     participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this 
     Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this 
     Supplement controls.  
      
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     Earning Wander Rewards: You earn reward points for every dollar you spend for purchases using your Account minus returns, refunds, disputed 
     charges, and fraudulent transactions (�Net Eligible Purchases�) as follows:  
        �  5 points on eligible recreational and amusement park purchases (See Merchant Categories below)  
             o  Eligible purchases include purchases made at national parks, amusement parks, sports promoters (professional live events), 
                theatrical producers, tourist attractions, aquariums and zoos.  
             o  Non Eligible purchases where you earn 1 point include collegiate sporting events, golf courses, casinos, movie theaters, gyms 
                and non-industry entertainment merchant codes like cable, digital streaming and membership services. 
        �  3 points on eligible restaurant and lodging purchases (See Merchant Categories below) 
             o  Eligible purchases include purchases made at restaurants, cafes, bars, nightclubs, lounges, fast food chains, hotels, motels, 
                inns, bed and breakfasts, resorts, campgrounds and motor home/RV rentals. 
             o  Non-Eligible purchases where you earn 1 point include purchases made at grocery stores; discount supercenters (including but 
                not limited to Wal-Mart and Target); Warehouse clubs (including but not limited to Sam�s Club and Costco); small stores like 
                bakeries, candy, nut or confection stores; or stores that sell groceries and other products like drugstores and convenience stores; 
                cruise lines; timeshares; and hostels. 
        �  1 point on all other purchases, including the non-eligible purchases listed above. 
             o  Non-Eligible purchases where you earn no points include travelers checks, foreign currency purchases, money orders, wire 
                transfers, and similar cash-like transactions.  
      
     We round the Net Eligible Purchase amount to the nearest whole dollar and you must spend at least one dollar in Net Eligible Purchases with your 
     Account in order to earn points. For example, if you make an eligible purchase of $1.50, you are eligible to earn 2 points, if you make an eligible 
     purchase of $1.49, you are eligible to earn 1 point and if your purchase amount is $0.99 or less, you are not eligible to earn any points.  
      
     You do not earn reward points on Cash Advances, Balance Transfers, interest and account fees, unauthorized charges, items returned for credit and 
     other similar charges. Points are posted to your Account within seven days after an eligible transaction posts to your Account. If your Account is in 
     default, as defined in your Card Agreement, at the time the points are to be posted, you WILL NOT receive the points. Reward points have no cash 
     value until such time as they are redeemed in accordance with the Program. Points may not be transferred to any other person including through 
     such events as inheritance, bankruptcy or divorce. 
      
     Point accumulation is not capped and you may have a negative points balance (because of returns and other post transaction actions). If your 
     Account has a negative points balance, any newly earned points will be used to offset such negative points balance until such balance has been 
     brought to zero. As long as your Account is in good standing your points do not expire. Points are forfeited 30 days after your Account is closed by 
     you or us. If we find evidence of misuse, fraud or the Account is in default, as defined in your Card Agreement, you will not be able to redeem points. 
     Points from separate accounts cannot be combined. Authorized Users earn points on the Account, but only the primary Cardholder 
     may redeem points. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services primarily sold by the merchant. We 
     have no control over merchant codes. Please note: 
        o  We make every effort to include all relevant merchant codes in our reward point categories. However, even though a merchant or some of 
           the items that it sells may appear to fit within a reward points category, the merchant may not have a merchant code in that category. 
           When this occurs, purchases with that merchant won�t qualify for reward points in the category that they appear to fit, but instead will 
           qualify for the one point on all other purchases category. 
        o  Although a merchant or the items that it sells may appear to fit the reward point categories, the merchant may not have or use an eligible 
           merchant code. Purchases made without an eligible code WILL NOT qualify for reward points. A merchant with more than one location 
           may submit purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the 
           same merchant at a different location may result in no reward points. 
        o  Purchases submitted by you, an Authorized User, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a reward points category if the technology is not set up to process 
           the purchase in that reward points category. 
      
     Redeeming Wander Rewards: Points may be redeemed for cash back rewards, gift cards and other consumer goods and services. All point 
     redemptions are subject to terms and conditions set forth at www.creditonebank.com/WanderRewardsRedemptionTerms. Cash back rewards posted 
     to your Account as a statement credit may be requested in increments of 1,000 points. Each point redeemed is worth $0.01 (1,000 = $10) and may 
     change without notice. The number of points you need to redeem for other consumer goods and services will be determined at redemption and may 
     change without notice. The most up-to-date number of reward points you have available to redeem (which reflects any points adjustments, transfers, 
     or redemptions) is available online or at the customer service number and may differ from the available points shown on your last monthly billing 
     statement. 
      
     Feedback. If you send or transmit any communications, comments, questions, suggestions, or related materials, whether by letter, e-mail, 
     telephone, or otherwise (Feedback), suggesting or recommending changes to the Program or how rewards points are fulfilled, including, without 
     limitation, new features or functionality, you grant to us and any of our vendors a perpetual right to use the Feedback for our and their own, 
                                          10 
      
     respective internal business purposes. Further, we, our service providers, vendors and any subcontractors disclaim any liability to you for any such 
     use of Feedback for our or their own, respective internal business purposes. 
     Consumer Goods/Services Disclaimer. BY PARTICIPATING IN THE PROGRAM, YOU ACKNOWLEDGE AND AGREE THAT CREDIT ONE 
     BANK AND ITS VENDORS ARE ONLY PROVIDING THE PROGRAM TO EARN AND REDEEM POINTS AND NOT PROVIDING CONSUMER 
     GOODS OR SERVICES. CREDIT ONE BANK AND ITS VENDORS ARE NOT INVOLVED IN WARRANTING ANY CONSUMER GOODS OR 
     SERVICES WHICH YOU MAY AQUIRE UTILIZING THE PROGRAM AND REDEMPTION SERVICES. CREDIT ONE BANK AND ITS VENDORS 
     DO NOT MAKE, AND AFFIRMATIVELY DISCLAIM, ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO SUCH 
     CONSUMER GOODS OR SERVICES, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, SUITABILITY FOR A 
     PARTICULAR PURPOSE, OR AGAINST INFRINGMENT. WARRANTIES FOR CONSUMER GOODS AND SERVICES ARE LIMITED TO THE 
     APPLICABLE THIRD PARTY SUPPLIER�S WARRANTIES AND RETURN POLICIES. BY PARTICIPATING IN THE PROGRAM, YOU 
     ACKNOWLEDGE AND AGREE TO LOOK SOLELY TO THE APPLICABLE MERCHANT PROVIDING THE CONSUMER GOODS AND/OR 
     SERVICES REDEEMED OR PURCHASED BY YOU UTILIZING THE PROGRAM FOR ANY WARRANTY, REMEDY, OBLIGATION AND/OR 
     LIABILITY WITH RESPECT TO SUCH CONSUMER PRODUCTS AND/OR SERVICES. BY PARTICIPATING IN THE PROGRAM, YOU RELEASE 
     CREDIT ONE BANK AND ITS VENDORS FROM ANY AND ALL LIABILITY WITH RESPECT TO SUCH CONSUMER GOODS AND SERVICES. 
     Information Disclaimer. IN THE COURSE OF PROVIDING THE PROGRAM AND REDEMPTION SERVICE FOR CONSUMER GOODS AND/OR 
     SERVICES, CREDIT ONE BANK AND/ OR ITS VENDORS MAY INTEGRATE WITH THIRD PARTY SUPPLIERS SELECTED OR CHANGED BY 
     CREDIT ONE BANK AND/OR ITS VENDORS, IN THEIR SOLE DISCRETION, FOR THE FULFILLMENT OF SUCH CONSUMER GOODS AND/OR 
     SERVICES REEDEMED OR PURCHASED UTILIZING THE PROGRAM. IN ORDER TO FACILITATE FULFILLMENT OF THE CONSUMER 
     GOODS AND SERVICES WITH THE THIRD PARTY SUPPLIERS, CREDIT ONE BANK AND/OR ITS VENDORS MAY SEND YOUR REQUIRED 
     PERSONAL AND OTHER INFORMATION (WHICH CAN INCLUDE, BUT IS NOT LIMITED TO FIRST NAME, LAST NAME, SHIPPING ADDRESS, 
     PHONE NUMBER AND EMAIL ADDRESS) TO THIRD PARTY SUPPLIERS TO FACILITATE THE PURCHASE OR REDEMPTION. BY 
     PARTICIPATING IN THE PROGRAM AND REDEEMING POINTS FOR CONSUMER GOODS OR SERVICES, YOU THEREFORE AGREE THAT 
     CREDIT ONE BANK AND ITS VENDORS WILL NOT BE HELD RESPONSIBLE AND YOU HEREBY RELEASE CREDIT ONE BANK AND ITS 
     VENDORS FROM ANY LIABLITY FOR YOUR INFORMATION AFTER IT IS INPUT INTO THE REDEMPTION FULFILLMENT SERVICES, FOR 
     THE EXCLUSIVE BENEFIT OF, AND USE BY, THE THIRD PARTY SUPPLIER, BY YOU AND CORRECTLY TRANSMITTED TO THE THIRD 
     PARTY SUPPLIER FOR ORDER FULFILLMENT. AFTER YOUR INFORMATION IS PLACED INTO THE REDEMPTION FULFILLMENT SERVICE, 
     YOUR INFORMATION SHALL BE SUBJECT TO THE PRIVACY POLICY AND TERMS OF SUCH THIRD PARTY SUPPLIER. 
     Program Restrictions: If you choose to redeem points for cash back rewards, you will receive a credit on the applicable statement (subject to the 
     redemption terms and conditions, available at www.creditonebank.com/WanderRewardsRedemptionTerms). Statement credits for cash back 
     rewards will reduce the balance on your Account but will not count as a payment. You will still be required to pay at least the Minimum Payment Due 
     as shown on your billing statement each month. 
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of eligible and non-eligible purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn reward 
     points. 
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible reward points as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the reward points earned through the current billing period. Redemption of reward points 
     available upon Account closure is subject to the redemption terms and conditions available at 
     www.creditonebank.com/WanderRewardsRedemptionTerms. 
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving reward points, cash back rewards, merchandise and/or 
     services received through reward points redemption, payment of which taxes will be your responsibility; (4) any merchandise or services you 
     purchase and/or receive through reward points redemption, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any 
     reward points you have earned in this Program. The Program, reward points and cash back rewards are void or limited where prohibited or 
     restricted, respectively, by federal, state or local law. 
     2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D272 
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      Back to Top
     D273                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  25.15% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
                           25.15% 
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate. 
                           25.15% 
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
      How to Avoid Paying Interest on  Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Purchases            on Purchases if you pay your entire balance by the due date each month.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
                            
      Annual Fee           $0 
                            
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This 
     corresponds to a monthly periodic rate of 2.09583%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
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     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
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     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
      
      
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
                                           6 
      
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
                                           7 
      
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
     In your letter, give us the following information:  
        �  Account information: Your name and Account number.  
                                           8 
      
        �  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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
       
                                           9 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Bank Wander Rewards Program (�Program�) and 
     supplements the Card Agreement that governs your Wander credit card account issued by Credit One Bank, N.A. (the 
     �Account�). By using the Account, you agree to participate in the Program. Your participation is subject to the terms of the 
     Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of a conflict between the Card Agreement and 
     this Supplement, with respect to matters relating to the Program, this Supplement controls.  
      
     Earning Wander Rewards: You earn reward points for every dollar you spend for purchases using your Account minus returns, refunds, disputed 
     charges, and fraudulent transactions (�Net Eligible Purchases�) as follows: 
        �  3 points on eligible recreational and amusement park purchases (See Merchant Categories below) 
             o  Eligible purchases include purchases made at national parks, amusement parks, sports promoters (professional live events), 
                theatrical producers, tourist attractions, aquariums and zoos. 
             o  Non-Eligible purchases where you earn 1 point include collegiate sporting events, golf courses, casinos, movie theaters, gyms 
                and non-industry entertainment merchant codes like cable, digital streaming and membership services. 
        �  2 points on eligible restaurant and lodging purchases (See Merchant Categories below) 
             o  Eligible purchases include purchases made at restaurants, cafes, bars, nightclubs, lounges, fast food chains, hotels, motels, 
                inns, bed and breakfasts, resorts, campgrounds and motor home/RV rentals. 
             o  Non-Eligible purchases where you earn 1 point include purchases made at grocery stores; discount supercenters (including but 
                not limited to Wal-Mart and Target); Warehouse clubs (including but not limited to Sam�s Club and Costco); small stores like 
                bakeries, candy, nut or confection stores; or stores that sell groceries and other products like drugstores and convenience stores; 
                cruise lines; timeshares; and hostels. 
        �  1 point on all other purchases, including the non-eligible purchases listed above. 
             o  Non-Eligible purchases where you earn no points include travelers checks, foreign currency purchases, money orders, wire 
                transfers, and similar cash-like transactions.  
      
     We round the Net Eligible Purchase amount to the nearest whole dollar and you must spend at least one dollar in Net Eligible Purchases with your 
     Account in order to earn points. For example, if you make an eligible purchase of $1.50, you are eligible to earn 2 points, if you make an eligible 
     purchase of $1.49, you are eligible to earn 1 point and if your purchase amount is $0.99 or less, you are not eligible to earn any points. 
      
     You do not earn reward points on Cash Advances, Balance Transfers, interest and account fees, unauthorized charges, items returned for credit and 
     other similar charges. Points are posted to your Account within seven days after an eligible transaction posts to your Account. If your Account is in 
     default, as defined in your Card Agreement, at the time the points are to be posted, you WILL NOT receive the points. Reward points have no cash 
     value until such time as they are redeemed in accordance with the Program. Points may not be transferred to any other person including through 
     such events as inheritance, bankruptcy or divorce. 
      
     Point accumulation is not capped and you may have a negative points balance (because of returns and other post transaction actions). If your 
     Account has a negative points balance, any newly earned points will be used to offset such negative points balance until such balance has been 
     brought to zero. As long as your Account is in good standing your points do not expire. Points are forfeited 30 days after your Account is closed by 
     you or us. If we find evidence of misuse, fraud or the Account is in default, as defined in your Card Agreement, you will not be able to redeem points. 
     Points from separate accounts cannot be combined. Authorized Users earn points on the Account, but only the primary Cardholder 
     may redeem points. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services primarily sold by the merchant. We 
     have no control over merchant 
     codes. Please note: 
        �  We make every effort to include all relevant merchant codes in our reward point categories. However, even though a merchant or some of 
           the items that it sells may appear to fit within a reward points category, the merchant may not have a merchant code in that category. 
           When this occurs, purchases with that merchant won�t qualify for reward points in the category that they appear to fit, but instead will 
           qualify for the one point on all other purchases category. 
        �  Although a merchant or the items that it sells may appear to fit the reward point categories, the merchant may not have or use an eligible 
           merchant code. Purchases made without an eligible code WILL NOT qualify for reward points. A merchant with more than one location 
           may submit purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the 
           same merchant at a different location may result in no reward points. 
        �  Purchases submitted by you, an Authorized User, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a reward points category if the technology is not set up to process 
           the purchase in that reward points category. 
      
                                          10 
      
     Redeeming Wander Rewards: Points may be redeemed for cash back rewards, gift cards and other consumer goods and services. All point 
     redemptions are subject to terms and conditions set forth at www.creditonebank.com/WanderRewardsRedemptionTerms. Cash back rewards posted 
     to your Account as a statement credit may be requested in increments of 1,000 points. Each point redeemed is worth $0.01 (1,000 = $10) and may 
     change without notice. The number of points you need to redeem for other consumer goods and services will be determined at redemption and may 
     change without notice. The most up-to-date number of reward points you have available to redeem (which reflects any points adjustments, transfers, 
     or redemptions) is available online or at the customer service number and may differ from the available points shown on your last monthly billing 
     statement. 
      
     Feedback. If you send or transmit any communications, comments, questions, suggestions, or related materials, whether by letter, e-mail, 
     telephone, or otherwise (Feedback), suggesting or recommending changes to the Program or how rewards points are fulfilled, including, without 
     limitation, new features or functionality, you grant to us and any of our vendors a perpetual right to use the Feedback for our and their own, 
     respective internal business purposes. Further, we, our service providers, vendors and any subcontractors disclaim any liability to you for any such 
     use of Feedback for our or their own, respective internal business purposes. 
      
     Consumer Goods/Services Disclaimer. BY PARTICIPATING IN THE PROGRAM, YOU ACKNOWLEDGE AND AGREE THAT CREDIT ONE 
     BANK AND ITS VENDORS ARE ONLY PROVIDING THE PROGRAM TO EARN AND REDEEM POINTS AND NOT PROVIDING CONSUMER 
     GOODS OR SERVICES. CREDIT ONE BANK AND ITS VENDORS ARE NOT INVOLVED IN WARRANTING ANY CONSUMER GOODS OR 
     SERVICES WHICH YOU MAY AQUIRE UTILIZING THE PROGRAM AND REDEMPTION SERVICES. CREDIT ONE BANK AND ITS VENDORS 
     DO NOT MAKE, AND AFFIRMATIVELY DISCLAIM, ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, WITH 
     RESPECT TO SUCH CONSUMER GOODS OR SERVICES, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF 
     MERCHANTABILITY, SUITABILITY FOR A PARTICULAR PURPOSE, OR AGAINST INFRINGMENT. WARRANTIES FOR CONSUMER GOODS 
     AND SERVICES ARE LIMITED TO THE APPLICABLE THIRD PARTY SUPPLIER�S WARRANTIES AND RETURN POLICIES. BY 
     PARTICIPATING IN THE PROGRAM, YOU ACKNOWLEDGE AND AGREE TO LOOK SOLELY TO THE APPLICABLE MERCHANT PROVIDING 
     THE CONSUMER GOODS AND/OR SERVICES REDEEMED OR PURCHASED BY YOU UTILIZING THE PROGRAM FOR ANY WARRANTY, 
     REMEDY, OBLIGATION AND/OR LIABILITY WITH RESPECT TO SUCH CONSUMER PRODUCTS AND/OR SERVICES. BY PARTICIPATING IN 
     THE PROGRAM, YOU RELEASE CREDIT ONE BANK AND ITS VENDORS FROM ANY AND ALL 
     LIABILITY WITH RESPECT TO SUCH CONSUMER GOODS AND SERVICES. 
      
     Information Disclaimer. IN THE COURSE OF PROVIDING THE PROGRAM AND REDEMPTION SERVICE FOR CONSUMER GOODS AND/OR 
     SERVICES, CREDIT ONE BANK AND/OR ITS VENDORS MAY INTEGRATE WITH THIRD PARTY SUPPLIERS SELECTED OR CHANGED BY 
     CREDIT ONE BANK AND/OR ITS VENDORS, IN THEIR SOLE DISCRETION, FOR THE FULFILLMENT OF SUCH CONSUMER GOODS AND/OR 
     SERVICES REEDEMED OR PURCHASED UTILIZING THE PROGRAM. IN ORDER TO FACILITATE FULFILLMENT OF THE CONSUMER 
     GOODS AND SERVICES WITH THE THIRD PARTY SUPPLIERS, CREDIT ONE BANK AND/OR ITS VENDORS MAY SEND YOUR REQUIRED 
     PERSONAL AND OTHER INFORMATION (WHICH CAN INCLUDE, BUT IS NOT LIMITED TO FIRST NAME, LAST NAME, SHIPPING ADDRESS, 
     PHONE NUMBER AND EMAIL ADDRESS) TO THIRD PARTY SUPPLIERS TO FACILITATE THE PURCHASE OR REDEMPTION. BY 
     PARTICIPATING IN THE PROGRAM AND REDEEMING POINTS FOR CONSUMER GOODS OR SERVICES, YOU THEREFORE AGREE THAT 
     CREDIT ONE BANK AND ITS VENDORS WILL NOT BE HELD RESPONSIBLE AND YOU HEREBY RELEASE CREDIT ONE BANK AND ITS 
     VENDORS FROM ANY LIABLITY FOR YOUR INFORMATION AFTER IT IS INPUT INTO THE REDEMPTION FULFILLMENT SERVICES, FOR 
     THE EXCLUSIVE BENEFIT OF, AND USE BY, THE THIRD PARTY SUPPLIER, BY YOU AND CORRECTLY TRANSMITTED TO THE THIRD 
     PARTY SUPPLIER FOR ORDER FULFILLMENT. AFTER YOUR INFORMATION IS PLACED INTO THE REDEMPTION FULFILLMENT SERVICE, 
     YOUR INFORMATION SHALL BE SUBJECT TO THE PRIVACY POLICY AND TERMS OF SUCH THIRD PARTY SUPPLIER. 
      
     Program Restrictions: If you choose to redeem points for cash back rewards, you will receive a credit on the applicable statement (subject to the 
     redemption terms and conditions, available at www.creditonebank.com/WanderRewardsRedemptionTerms). Statement credits for cash back 
     rewards will reduce the balance on your Account but will not count as a payment. You will still be required to pay at least the Minimum Payment Due 
     as shown on your billing statement each month. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of eligible and non-eligible purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn reward 
     points. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible reward points as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the reward points earned through the current billing period. Redemption of reward points 
     available upon Account closure is subject to the redemption terms and conditions available at 
     www.creditonebank.com/WanderRewardsRedemptionTerms. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving reward points, cash back rewards, merchandise and/or 
     services received through reward points redemption, payment of which taxes will be your responsibility; (4) any merchandise or services you 
                                          11 
      
     purchase and/or receive through reward points redemption, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any 
     reward points you have earned in this Program. The Program, reward points and cash back rewards are void or limited where prohibited or 
     restricted, respectively, by federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D273 
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     D284 
                                   CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $75 for the first year.  After that $99 annually ($8.25 per month). 
      Transaction Fees 
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
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     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce 
     the amount of your available credit.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
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     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
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     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
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     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
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     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
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     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
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     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
                                           8 
      
      
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 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.  
      
       
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     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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable network�s procedures based on the kinds of products and services they primarily sell.We group similar merchant codes 
     into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
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     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.            06/22    D284 
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     Back to Top
     D285                     CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
      Transaction Fees 
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late
                                           1 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
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     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
                                           4 
      
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
                                           5 
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
                                           6 
      
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
                                           7 
      
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
        �  Account information: Your name and Account number.  
                                           8 
      
        �  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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of 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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     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable network�s procedures based on the kinds of products and services they primarily sell.We group similar merchant codes 
     into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
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     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D285 
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     Back to Top
     D292                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $95 
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
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     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
                                           4 
      
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
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     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
                                           7 
      
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
        �  Account information: Your name and Account number.  
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        �  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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
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     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus 
     returns, refunds, disputed charges and fraudulent transactions (�Net Eligible Purchases�), as follows: 
      
        �  5% cash back rewards on eligible gas, grocery, mobile phone service, and internet,  cable and satellite TV service purchases for the first 
           $5,000  per calendar year in eligible gas, grocery, mobile phone service, and internet, cable and satellite  TV service purchases,  and then 
           1% thereafter. 
      
           ?  Certain Non-Eligible Purchases.  You will only earn 1% cash back rewards, not 5%, for: 
                ?  Any purchase at a warehouse club (including but not limited to Sam�s Club and Costco); 
                ?  Groceries purchased at stores that sell groceries and other products like drugstores and convenience stores or at smaller 
                  stores like bakeries, candy, nut or confection stores; 
                ?  Purchases for oil or propane or at home heating companies; and 
                ?  Purchases made with PayPal or at a discount supercenter (including but not limited to Wal-Mart and Target). 
      
        �  1% cash back rewards on all other purchases, including, the non-eligible purchases listed above. 
      
     You do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other 
     charges.  We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with 
     your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at 
     the time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value. 
      
     Merchant Categories:  Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�  procedures  based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories.  However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, purchases with that merchant won�t qualify for cash back rewards on purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one 
           location may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases 
           from the same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of eligible and non-eligible purchase at any time without notice. We will give you prior notice to the extent required by law. Any revisions may affect 
     your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restr icted, respectively, 
     by federal, state or local law. 
      
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     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22  D292 
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     Back to Top
      
     D279                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
                           24.74% 
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate. 
                           24.74% 
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
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     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.   
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
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     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
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     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
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     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
                                           5 
      
      
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
                                           6 
      
      
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
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     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
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     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
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     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement 
      
     This document (�Supplement�) describes the terms and conditions of the Credit One Bank Best Friends� Cash Back Rewards Program (�Program�) 
     and supplements the Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, 
     you agree to participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, 
     and this Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this 
     Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus 
     returns, refunds, disputed charges and fraudulent transactions (�Net Eligible Purchases�), as follows: 
      
        �  5% cash back rewards on eligible pet shop and pet food and supply store purchases for the first $5,000 per calendar year in eligible pet shop 
           and pet food and supply store purchases, and then 1% thereafter. 
             o  Certain Non-Eligible Purchases.  The following types of purchases are not eligible for cash back rewards: 
                  o  Pet grooming, unless ancillary service at a pet shop or pet food and supplies store;   
                  o  Pet sitting and boarding, unless ancillary service at a pet shop or pet food and supplies store;  
                  o  Veterinary services; and 
                  o  Purchases made with PayPal, at a discount supercenter (including but not limited to Wal-Mart and Target), or at 
                     warehouse clubs (including but not limited to Sam�s Club and Costco).  
      
     You do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other 
     charges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made 
     with your Account from the 27th of the previous month to the 26th of the current month.  If your Account is in default, as defined in your Card 
     Agreement, at the time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes.  Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, purchases with that merchant won�t qualify for cash back rewards on purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one 
           location may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases 
           from the same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     Bank cash back rewards program. 
      
     Changes: The Program, including without limitation, eligible and non-eligible purchases, may be changed (added to, modified or deleted) by us at any 
     time without notice. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
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     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, 
     by federal, state or local law. 
     Best Friends Animal Society and any associated logos are trademarks of Best Friends Animal Society, and are used under license by Credit One 
     Bank. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22     D279 
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      Back to Top
     D280                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
                           24.74% 
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate. 
                           24.74% 
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
                            
      Annual Fee           $0 
                            
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
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     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
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     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
      
      
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
                                           6 
      
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
                                           7 
      
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
     In your letter, give us the following information:  
        �  Account information: Your name and Account number.  
                                           8 
      
        �  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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement 
      
     This document (�Supplement�) describes the terms and conditions of the Credit One Bank Best Friends� Cash Back Rewards Program (�Program�) 
     and supplements the Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, 
     you agree to participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, 
     and this Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this 
     Supplement controls. 
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     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus 
     returns, refunds, disputed charges and fraudulent transactions (�Net Eligible Purchases�), as follows: 
        �  5% cash back rewards on eligible pet shop and pet food and supply store purchases for the first $5,000 per calendar year in eligible pet shop
           and pet food and supply store purchases, and then 1% thereafter.
             o  Certain Non-Eligible Purchases.  The following types of purchases are not eligible for cash back rewards:
                  o  Pet grooming, unless ancillary service at a pet shop or pet food and supplies store;
                  o  Pet sitting and boarding, unless ancillary service at a pet shop or pet food and supplies store;
                  o  Veterinary services; and
                  o  Purchases made with PayPal, at a discount supercenter (including but not limited to Wal-Mart and Target), or at
                     warehouse clubs (including but not limited to Sam�s Club and Costco).
     You do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other 
     charges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made 
     with your Account from the 27th of the previous month to the 26th of the current month.  If your Account is in default, as defined in your Card 
     Agreement, at the time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value. 
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes.  Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that
           category. When this occurs, purchases with that merchant won�t qualify for cash back rewards on purchases in that category.
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an
           eligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one
           location may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases
           from the same merchant at a different location may result in no cash back rewards.
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process
           the purchase in that cash back rewards category.
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     Bank cash back rewards program. 
     Changes: The Program, including without limitation, eligible and non-eligible purchases, may be changed (added to, modified or deleted) by us at any 
     time without notice. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, 
     by federal, state or local law. 
     Best Friends Animal Society and any associated logos are trademarks of Best Friends Animal Society, and are used under license by Credit One 
     Bank. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D280 
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      Back to Top
     D281                          CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
                           24.74%
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate. 
                           24.74%
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $49 
      Transaction Fees 
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
                                           1 
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.   
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
     1.  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
     2.  any Late Payment Fee for the current billing cycle; 
     3.  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
                                           2 
      
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
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     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
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     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        1.  include your name, mailing address, and the last four digits of your Account number;  
        2.  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        3.  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        4.  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
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     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a co urt. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
                                           6 
      
      
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
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     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
       
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     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 Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
        1.  Account information: Your name and Account number.  
        2.  Dollar amount: The dollar amount of the suspected error.  
        3.  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:  
     1.  Within 60 days after the error appeared on your statement.  
     2.  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:  
     1.  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     2.  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     3.  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     4.  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     1.  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.  
     2.  
     3.  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you 
           a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we 
           think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
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     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement 
      
     This document (�Supplement�) describes the terms and conditions of the Credit One Bank WWE �  Cash Back Rewards Program (�Program�) and 
     supplements the Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you 
     agree to participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, 
     and this Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, 
     this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus 
     returns, refunds, disputed charges and fraudulent transactions (�Net Eligible Purchases�), as follows: 
        �  3% cash back rewards on eligible internet, cable and satellite TV service, and mobile phone service purchases. Certain purchases in these 
           merchant categories may only qualify for 1% cash back rewards. See information on 1% cash back rewards and Merchant Categories. 
        �  2% cash back rewards on eligible restaurant purchases Certain purchases in these merchant categories may only qualify for 1% cash back 
           rewards. See information on 1% cash back rewards and Merchant Categories. 
        �  1% cash back rewards on all other purchases, including the purchases listed below: 
             o  purchases made with Paypal 
             o  grocery stores,  
             o  discount supercenters (including but not limited to Wal-Mart and Target), 
             o  warehouse clubs (including but not limited to Sam�s Club and Costco), 
             o  small stores like bakeries, candy, nut, or confection stores, or 
             o  stores that sell groceries and other products like drugstores and convenience stores. 
         
     You do not earn cash back rewards on the following types of transactions: 
        �  Cash Advances,  
        �  Balance Transfers, 
        �  travelers checks, foreign currency, money orders, wire transfers, or similar cash-like transactions, 
        �  unauthorized charges,  
        �  items returned for credit,  
        �  interest, fees, and other charges.  
      
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time any statement credit is to be posted, you WILL NOT receive the applicable statement credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, purchases with that merchant won�t qualify for cash back rewards on purchases in that category, but will 
           instead qualify for the 1% cash back rewards on all other purchases category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one 
           location may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases 
           from the same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user through third-party payment accounts, mobile or wireless card readers, online or mobile 
           digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process the purchase 
           in that cash back rewards category. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement with at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for purchases 
     made while your Account is in default as defined in your Card Agreement. This Program does not apply to Accounts already enrolled in a different 
     Credit One Bank rewards program. 
      
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     Changes: The Program, including without limitation, eligible purchases, may be changed (added to, modified or deleted) by us at any time without 
     notice. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, 
     by federal, state or local law. 
     All WWE trademarks, logos and copyrights are the exclusive property of WWE and its subsidiaries. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22     D281 
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     Back to Top
     D282                          CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $75 for the first year.  After that $99 annually ($8.25 per month). 
      Transaction Fees 
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce 
     the amount of your available credit.  
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
                                           1 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
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     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
                                           3 
      
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
                                           4 
      
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
                                           6 
      
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
                                           7 
      
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
      
                                           8 
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
      
       
                                           9 
      
     Rewards Program Supplement 
      
     This document (�Supplement�) describes the terms and conditions of the Credit One Bank WWE �  Cash Back Rewards Program (�Program�) and 
     supplements the Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you 
     agree to participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, 
     and this Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, 
     this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of eligible purchases using 
     your Account minus returns, refunds, disputed charges and fraudulent transactions (�Net Eligible Purchases�) as follows: 
        �  Eligible Purchases: Eligible purchases are purchases from merchants in the following categories (see Merchant Categories below): 
             o  internet, cable and satellite TV service, 
             o  mobile phone service, and 
             o  restaurants. 
        �  Non-eligible Purchases and Transactions: You do not earn cash back rewards on the following transactions and types of merchants: 
             o  Paypal, 
             o  grocery stores,  
             o  discount supercenters (including but not limited to Wal-Mart and Target), 
             o  warehouse clubs (including but not limited to Sam�s Club and Costco), 
             o  small stores like bakeries, candy, nut, or confection stores,  
             o  stores that sell groceries and other products like drugstores and convenience stores, 
             o  Cash Advances,  
             o  Balance Transfers, 
             o  travelers checks, foreign currency, money orders, wire transfers, or similar cash-like transactions, 
             o  unauthorized charges,  
             o  items returned for credit, or 
             o  interest, fees, and other charges.  
              
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the statement credit is to be posted, you WILL NOT receive the applicable statement credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, purchases with that merchant won�t qualify for cash back rewards on purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible merchant code. purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one 
           location may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases 
           from the same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user through third-party payment accounts, mobile or wireless card readers, online or mobile 
           digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process the purchase 
           in that cash back rewards category. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement with at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for purchases 
     made while your Account is in default as defined in your Card Agreement. This Program does not apply to Accounts already enrolled in a different 
     Credit One Bank rewards program. 
      
     Changes: The Program, including without limitation, eligible and non-eligible purchases and transactions, may be changed (added to, modified or 
     deleted) by us at any time without notice. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn 
     cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
                                          10 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, 
     by federal, state or local law. 
     All WWE trademarks, logos and copyrights are the exclusive property of WWE and its subsidiaries. 
     � 2022 Credit One Bank, N.A. All Rights Reserved. 
     Credit One�, Credit One Bank� and corresponding logos are federally registered trademarks.  06/22    D282 
                                          11 
     Back to Top
     D253                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
                           24.74% 
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate. 
                           24.74% 
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
                            
      Annual Fee           $95 
                            
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
                                           2 
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
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     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
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     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
      
      
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
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     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
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     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
     In your letter, give us the following information:  
        �  Account information: Your name and Account number.  
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        �  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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Bank Wander Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your Wander credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to 
     participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this 
     Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this 
     Supplement controls.  
      
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     Earning Wander Rewards: You earn reward points for every dollar you spend for purchases using your Account minus returns, refunds, disputed 
     charges, and fraudulent transactions (�Net Eligible Purchases�) as follows:  
        �  5 points on eligible recreational and amusement park purchases (See Merchant Categories below)  
             o  Eligible purchases include purchases made at national parks, amusement parks, sports promoters (professional live events), 
                theatrical producers, tourist attractions, aquariums and zoos.  
             o  Non Eligible purchases where you earn 1 point include collegiate sporting events, golf courses, casinos, movie theaters, gyms 
                and non-industry entertainment merchant codes like cable, digital streaming and membership services. 
        �  3 points on eligible restaurant and lodging purchases (See Merchant Categories below) 
             o  Eligible purchases include purchases made at restaurants, cafes, bars, nightclubs, lounges, fast food chains, hotels, motels, 
                inns, bed and breakfasts, resorts, campgrounds and motor home/RV rentals. 
             o  Non-Eligible purchases where you earn 1 point include purchases made at grocery stores; discount supercenters (including but 
                not limited to Wal-Mart and Target); Warehouse clubs (including but not limited to Sam�s Club and Costco); small stores like 
                bakeries, candy, nut or confection stores; or stores that sell groceries and other products like drugstores and convenience stores; 
                cruise lines; timeshares; and hostels. 
        �  1 point on all other purchases, including the non-eligible purchases listed above. 
             o  Non-Eligible purchases where you earn no points include travelers checks, foreign currency purchases, money orders, wire 
                transfers, and similar cash-like transactions.  
      
     We round the Net Eligible Purchase amount to the nearest whole dollar and you must spend at least one dollar in Net Eligible Purchases with your 
     Account in order to earn points. For example, if you make an eligible purchase of $1.50, you are eligible to earn 2 points, if you make an eligible 
     purchase of $1.49, you are eligible to earn 1 point and if your purchase amount is $0.99 or less, you are not eligible to earn any points.  
      
     You do not earn reward points on Cash Advances, Balance Transfers, interest and account fees, unauthorized charges, items returned for credit and 
     other similar charges. Points are posted to your Account within seven days after an eligible transaction posts to your Account. If your Account is in 
     default, as defined in your Card Agreement, at the time the points are to be posted, you WILL NOT receive the points. Reward points have no cash 
     value until such time as they are redeemed in accordance with the Program. Points may not be transferred to any other person including through 
     such events as inheritance, bankruptcy or divorce. 
      
     Point accumulation is not capped and you may have a negative points balance (because of returns and other post transaction actions). If your 
     Account has a negative points balance, any newly earned points will be used to offset such negative points balance until such balance has been 
     brought to zero. As long as your Account is in good standing your points do not expire. Points are forfeited 30 days after your Account is closed by 
     you or us. If we find evidence of misuse, fraud or the Account is in default, as defined in your Card Agreement, you will not be able to redeem points. 
     Points from separate accounts cannot be combined. Authorized Users earn points on the Account, but only the primary Cardholder 
     may redeem points. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services primarily sold by the merchant. We 
     have no control over merchant codes. Please note: 
        o  We make every effort to include all relevant merchant codes in our reward point categories. However, even though a merchant or some of 
           the items that it sells may appear to fit within a reward points category, the merchant may not have a merchant code in that category. 
           When this occurs, purchases with that merchant won�t qualify for reward points in the category that they appear to fit, but instead will 
           qualify for the one point on all other purchases category. 
        o  Although a merchant or the items that it sells may appear to fit the reward point categories, the merchant may not have or use an eligible 
           merchant code. Purchases made without an eligible code WILL NOT qualify for reward points. A merchant with more than one location 
           may submit purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the 
           same merchant at a different location may result in no reward points. 
        o  Purchases submitted by you, an Authorized User, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a reward points category if the technology is not set up to process 
           the purchase in that reward points category. 
      
     Redeeming Wander Rewards: Points may be redeemed for cash back rewards, gift cards and other consumer goods and services. All point 
     redemptions are subject to terms and conditions set forth at www.creditonebank.com/WanderRewardsRedemptionTerms. Cash back rewards posted 
     to your Account as a statement credit may be requested in increments of 1,000 points. Each point redeemed is worth $0.01 (1,000 = $10) and may 
     change without notice. The number of points you need to redeem for other consumer goods and services will be determined at redemption and may 
     change without notice. The most up-to-date number of reward points you have available to redeem (which reflects any points adjustments, transfers, 
     or redemptions) is available online or at the customer service number and may differ from the available points shown on your last monthly billing 
     statement. 
      
     Feedback. If you send or transmit any communications, comments, questions, suggestions, or related materials, whether by letter, e-mail, 
     telephone, or otherwise (Feedback), suggesting or recommending changes to the Program or how rewards points are fulfilled, including, without 
     limitation, new features or functionality, you grant to us and any of our vendors a perpetual right to use the Feedback for our and their own, 
                                          10 
      
     respective internal business purposes. Further, we, our service providers, vendors and any subcontractors disclaim any liability to you for any such 
     use of Feedback for our or their own, respective internal business purposes. 
     Consumer Goods/Services Disclaimer. BY PARTICIPATING IN THE PROGRAM, YOU ACKNOWLEDGE AND AGREE THAT CREDIT ONE 
     BANK AND ITS VENDORS ARE ONLY PROVIDING THE PROGRAM TO EARN AND REDEEM POINTS AND NOT PROVIDING CONSUMER 
     GOODS OR SERVICES. CREDIT ONE BANK AND ITS VENDORS ARE NOT INVOLVED IN WARRANTING ANY CONSUMER GOODS OR 
     SERVICES WHICH YOU MAY AQUIRE UTILIZING THE PROGRAM AND REDEMPTION SERVICES. CREDIT ONE BANK AND ITS VENDORS 
     DO NOT MAKE, AND AFFIRMATIVELY DISCLAIM, ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO SUCH 
     CONSUMER GOODS OR SERVICES, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, SUITABILITY FOR A 
     PARTICULAR PURPOSE, OR AGAINST INFRINGMENT. WARRANTIES FOR CONSUMER GOODS AND SERVICES ARE LIMITED TO THE 
     APPLICABLE THIRD PARTY SUPPLIER�S WARRANTIES AND RETURN POLICIES. BY PARTICIPATING IN THE PROGRAM, YOU 
     ACKNOWLEDGE AND AGREE TO LOOK SOLELY TO THE APPLICABLE MERCHANT PROVIDING THE CONSUMER GOODS AND/OR 
     SERVICES REDEEMED OR PURCHASED BY YOU UTILIZING THE PROGRAM FOR ANY WARRANTY, REMEDY, OBLIGATION AND/OR 
     LIABILITY WITH RESPECT TO SUCH CONSUMER PRODUCTS AND/OR SERVICES. BY PARTICIPATING IN THE PROGRAM, YOU RELEASE 
     CREDIT ONE BANK AND ITS VENDORS FROM ANY AND ALL LIABILITY WITH RESPECT TO SUCH CONSUMER GOODS AND SERVICES. 
     Information Disclaimer. IN THE COURSE OF PROVIDING THE PROGRAM AND REDEMPTION SERVICE FOR CONSUMER GOODS AND/OR 
     SERVICES, CREDIT ONE BANK AND/ OR ITS VENDORS MAY INTEGRATE WITH THIRD PARTY SUPPLIERS SELECTED OR CHANGED BY 
     CREDIT ONE BANK AND/OR ITS VENDORS, IN THEIR SOLE DISCRETION, FOR THE FULFILLMENT OF SUCH CONSUMER GOODS AND/OR 
     SERVICES REEDEMED OR PURCHASED UTILIZING THE PROGRAM. IN ORDER TO FACILITATE FULFILLMENT OF THE CONSUMER 
     GOODS AND SERVICES WITH THE THIRD PARTY SUPPLIERS, CREDIT ONE BANK AND/OR ITS VENDORS MAY SEND YOUR REQUIRED 
     PERSONAL AND OTHER INFORMATION (WHICH CAN INCLUDE, BUT IS NOT LIMITED TO FIRST NAME, LAST NAME, SHIPPING ADDRESS, 
     PHONE NUMBER AND EMAIL ADDRESS) TO THIRD PARTY SUPPLIERS TO FACILITATE THE PURCHASE OR REDEMPTION. BY 
     PARTICIPATING IN THE PROGRAM AND REDEEMING POINTS FOR CONSUMER GOODS OR SERVICES, YOU THEREFORE AGREE THAT 
     CREDIT ONE BANK AND ITS VENDORS WILL NOT BE HELD RESPONSIBLE AND YOU HEREBY RELEASE CREDIT ONE BANK AND ITS 
     VENDORS FROM ANY LIABLITY FOR YOUR INFORMATION AFTER IT IS INPUT INTO THE REDEMPTION FULFILLMENT SERVICES, FOR 
     THE EXCLUSIVE BENEFIT OF, AND USE BY, THE THIRD PARTY SUPPLIER, BY YOU AND CORRECTLY TRANSMITTED TO THE THIRD 
     PARTY SUPPLIER FOR ORDER FULFILLMENT. AFTER YOUR INFORMATION IS PLACED INTO THE REDEMPTION FULFILLMENT SERVICE, 
     YOUR INFORMATION SHALL BE SUBJECT TO THE PRIVACY POLICY AND TERMS OF SUCH THIRD PARTY SUPPLIER. 
     Program Restrictions: If you choose to redeem points for cash back rewards, you will receive a credit on the applicable statement (subject to the 
     redemption terms and conditions, available at www.creditonebank.com/WanderRewardsRedemptionTerms). Statement credits for cash back 
     rewards will reduce the balance on your Account but will not count as a payment. You will still be required to pay at least the Minimum Payment Due 
     as shown on your billing statement each month. 
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of eligible and non-eligible purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn reward 
     points. 
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible reward points as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the reward points earned through the current billing period. Redemption of reward points 
     available upon Account closure is subject to the redemption terms and conditions available at 
     www.creditonebank.com/WanderRewardsRedemptionTerms. 
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving reward points, cash back rewards, merchandise and/or 
     services received through reward points redemption, payment of which taxes will be your responsibility; (4) any merchandise or services you 
     purchase and/or receive through reward points redemption, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any 
     reward points you have earned in this Program. The Program, reward points and cash back rewards are void or limited where prohibited or 
     restricted, respectively, by federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D253 
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     Back to Top
     D254                          CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
                           24.74%
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate.
                           24.74%
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
      Transaction Fees 
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late
                                           1 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
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     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
                                           4 
      
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
      
      
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
                                           6 
      
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
                                           7 
      
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
     In your letter, give us the following information:  
        �  Account information: Your name and Account number.  
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        �  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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Bank Wander Rewards Program (�Program�) and 
     supplements the Card Agreement that governs your Wander credit card account issued by Credit One Bank, N.A. (the 
     �Account�). By using the Account, you agree to participate in the Program. Your participation is subject to the terms of the 
     Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of a conflict between 
     the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
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     Earning Wander Rewards: You earn reward points for every dollar you spend for purchases using your Account minus 
     returns, refunds, disputed charges, and fraudulent transactions (�Net Eligible Purchases�) as follows: 
        �  3 points on eligible recreational and amusement park purchases (See Merchant Categories below) 
             o  Eligible purchases include purchases made at national parks, amusement parks, sports promoters 
                (professional live events), theatrical producers, tourist attractions, aquariums and zoos. 
             o  Non-Eligible purchases where you earn 1 point include collegiate sporting events, golf courses, casinos, 
                movie theaters, gyms and non-industry entertainment merchant codes like cable, digital streaming and 
                membership services. 
        �  2 points on eligible restaurant and lodging purchases (See Merchant Categories below) 
             o  Eligible purchases include purchases made at restaurants, cafes, bars, nightclubs, lounges, fast food 
                chains, hotels, motels, inns, bed and breakfasts, resorts, campgrounds and motor home/RV rentals. 
             o  Non-Eligible purchases where you earn 1 point include purchases made at grocery stores; discount 
                supercenters (including but not limited to Wal-Mart and Target); Warehouse clubs (including but not 
                limited to Sam�s Club and Costco); small stores like bakeries, candy, nut or confection stores; or stores 
                that sell groceries and other products like drugstores and convenience stores; cruise lines; timeshares; 
                and hostels. 
        �  1 point on all other purchases, including the non-eligible purchases listed above. 
             o  Non-Eligible purchases where you earn no points include travelers checks, foreign currency purchases, 
                money orders, wire transfers, and similar cash-like transactions.  
      
     We round the Net Eligible Purchase amount to the nearest whole dollar and you must spend at least one dollar in Net 
     Eligible Purchases with your Account in order to earn points. For example, if you make an eligible purchase of $1.50, you 
     are eligible to earn 2 points, if you make an eligible purchase of $1.49, you are eligible to earn 1 point and if your 
     purchase amount is $0.99 or less, you are not eligible to earn any points. 
      
     You do not earn reward points on Cash Advances, Balance Transfers, interest and account fees, unauthorized charges, 
     items returned for credit and other similar charges. Points are posted to your Account within seven days after an eligible 
     transaction posts to your Account. If your Account is in default, as defined in your Card Agreement, at the time the points 
     are to be posted, you WILL NOT receive the points. Reward points have no cash value until such time as they are 
     redeemed in accordance with the Program. Points may not be transferred to any other person including through such 
     events as inheritance, bankruptcy or divorce. 
      
     Point accumulation is not capped and you may have a negative points balance (because of returns and other post 
     transaction actions). If your Account has a negative points balance, any newly earned points will be used to offset such 
     negative points balance until such balance has been brought to zero. As long as your Account is in good standing your 
     points do not expire. Points are forfeited 30 days after your Account is closed by you or us. If we find evidence of misuse, 
     fraud or the Account is in default, as defined in your Card Agreement, you will not be able to redeem points. Points from 
     separate accounts cannot be combined. Authorized Users earn points on the Account, but only the primary Cardholder 
     may redeem points. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the 
     merchant or its processor in accordance with the applicable credit card network�s procedures based on the kinds of 
     products and services primarily sold by the merchant. We have no control over merchant 
     codes. Please note: 
        �  We make every effort to include all relevant merchant codes in our reward point categories. However, even 
           though a merchant or some of the items that it sells may appear to fit within a reward points category, the 
           merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won�t 
           qualify for reward points in the category that they appear to fit, but instead will qualify for the one point on all other 
           purchases category. 
        �  Although a merchant or the items that it sells may appear to fit the reward point categories, the merchant may not 
           have or use an eligible merchant code. Purchases made without an eligible code WILL NOT qualify for reward 
           points. A merchant with more than one location may submit purchases using different codes, including codes that 
           are not eligible under this Program. This means that Purchases from the same merchant at a different location 
           may result in no reward points. 
        �  Purchases submitted by you, an Authorized User, or the merchant through third-party payment accounts, mobile 
           or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a reward points 
           category if the technology is not set up to process the purchase in that reward points category. 
      
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     Redeeming Wander Rewards: Points may be redeemed for cash back rewards, gift cards and other consumer goods 
     and services. All point redemptions are subject to terms and conditions set forth at 
     www.creditonebank.com/WanderRewardsRedemptionTerms. Cash back rewards posted to your Account as a statement 
     credit may be requested in increments of 1,000 points. Each point redeemed is worth $0.01 (1,000 = $10) and may 
     change without notice. The number of points you need to redeem for other consumer goods and services will be 
     determined at redemption and may change without notice. The most up-to-date number of reward points you have 
     available to redeem (which reflects any points adjustments, transfers, or redemptions) is available online or at the 
     customer service number and may differ from the available points shown on your last monthly billing statement. 
      
     Feedback. If you send or transmit any communications, comments, questions, suggestions, or related materials, whether 
     by letter, e-mail, telephone, or otherwise (Feedback), suggesting or recommending changes to the Program or how 
     rewards points are fulfilled, including, without limitation, new features or functionality, you grant to us and any of our 
     vendors a perpetual right to use the Feedback for our and their own, respective internal business purposes. Further, we, 
     our service providers, vendors and any subcontractors disclaim any liability to you for any such use of Feedback for our or 
     their own, respective internal business purposes. 
      
     Consumer Goods/Services Disclaimer. BY PARTICIPATING IN THE PROGRAM, YOU ACKNOWLEDGE AND 
     AGREE THAT CREDIT ONE BANK AND ITS VENDORS ARE ONLY PROVIDING THE PROGRAM TO EARN AND 
     REDEEM POINTS AND NOT PROVIDING CONSUMER GOODS OR SERVICES. CREDIT ONE BANK AND ITS 
     VENDORS ARE NOT INVOLVED IN WARRANTING ANY CONSUMER GOODS OR SERVICES WHICH YOU MAY 
     AQUIRE UTILIZING THE PROGRAM AND REDEMPTION SERVICES. CREDIT ONE BANK AND ITS VENDORS DO 
     NOT MAKE, AND AFFIRMATIVELY DISCLAIM, ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, WITH 
     RESPECT TO SUCH CONSUMER GOODS OR SERVICES, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF 
     MERCHANTABILITY, SUITABILITY FOR A PARTICULAR PURPOSE, OR AGAINST INFRINGMENT. WARRANTIES 
     FOR CONSUMER GOODS AND SERVICES ARE LIMITED TO THE APPLICABLE THIRD PARTY SUPPLIER�S 
     WARRANTIES AND RETURN POLICIES. BY PARTICIPATING IN THE PROGRAM, YOU ACKNOWLEDGE AND 
     AGREE TO LOOK SOLELY TO THE APPLICABLE MERCHANT PROVIDING THE CONSUMER GOODS AND/OR 
     SERVICES REDEEMED OR PURCHASED BY YOU UTILIZING THE PROGRAM FOR ANY WARRANTY, REMEDY, 
     OBLIGATION AND/OR LIABILITY WITH RESPECT TO SUCH CONSUMER PRODUCTS AND/OR SERVICES. BY 
     PARTICIPATING IN THE PROGRAM, YOU RELEASE CREDIT ONE BANK AND ITS VENDORS FROM ANY AND ALL 
     LIABILITY WITH RESPECT TO SUCH CONSUMER GOODS AND SERVICES. 
      
     Information Disclaimer. IN THE COURSE OF PROVIDING THE PROGRAM AND REDEMPTION SERVICE FOR 
     CONSUMER GOODS AND/OR SERVICES, CREDIT ONE BANK AND/OR ITS VENDORS MAY INTEGRATE WITH 
     THIRD PARTY SUPPLIERS SELECTED OR CHANGED BY CREDIT ONE BANK AND/OR ITS VENDORS, IN THEIR 
     SOLE DISCRETION, FOR THE FULFILLMENT OF SUCH CONSUMER GOODS AND/OR SERVICES REEDEMED OR 
     PURCHASED UTILIZING THE PROGRAM. IN ORDER TO FACILITATE FULFILLMENT OF THE CONSUMER GOODS 
     AND SERVICES WITH THE THIRD PARTY SUPPLIERS, CREDIT ONE BANK AND/OR ITS VENDORS MAY SEND 
     YOUR REQUIRED PERSONAL AND OTHER INFORMATION (WHICH CAN INCLUDE, BUT IS NOT LIMITED TO FIRST 
     NAME, LAST NAME, SHIPPING ADDRESS, PHONE NUMBER AND EMAIL ADDRESS) TO THIRD PARTY SUPPLIERS 
     TO FACILITATE THE PURCHASE OR REDEMPTION. BY PARTICIPATING IN THE PROGRAM AND REDEEMING 
     POINTS FOR CONSUMER GOODS OR SERVICES, YOU THEREFORE AGREE THAT CREDIT ONE BANK AND ITS 
     VENDORS WILL NOT BE HELD RESPONSIBLE AND YOU HEREBY RELEASE CREDIT ONE BANK AND ITS 
     VENDORS FROM ANY LIABLITY FOR YOUR INFORMATION AFTER IT IS INPUT INTO THE REDEMPTION 
     FULFILLMENT SERVICES, FOR THE EXCLUSIVE BENEFIT OF, AND USE BY, THE THIRD PARTY SUPPLIER, BY 
     YOU AND CORRECTLY TRANSMITTED TO THE THIRD PARTY SUPPLIER FOR ORDER FULFILLMENT. AFTER 
     YOUR INFORMATION IS PLACED INTO THE REDEMPTION FULFILLMENT SERVICE, YOUR INFORMATION SHALL 
     BE SUBJECT TO THE PRIVACY POLICY AND TERMS OF SUCH THIRD PARTY SUPPLIER. 
      
     Program Restrictions: If you choose to redeem points for cash back rewards, you will receive a credit on the applicable 
     statement (subject to the redemption terms and conditions, available at 
     www.creditonebank.com/WanderRewardsRedemptionTerms). Statement credits for cash back rewards will reduce the 
     balance on your Account but will not count as a payment. You will still be required to pay at least the Minimum Payment 
     Due as shown on your billing statement each month. 
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation 
     amendments to the definition of eligible and non-eligible purchases. We will give you prior notice to the extent required by 
     law. Any revisions may affect your ability to earn reward points. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior 
     notice. In such event, we will evaluate your Account for any eligible reward points as of the Program termination date. 
     Provided that you meet all of the other Program Restrictions listed above at that time, you will receive a distribution of the 
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     reward points earned through the current billing period. Redemption of reward points available upon Account closure is 
     subject to the redemption terms and conditions available at www.creditonebank.com/WanderRewardsRedemptionTerms. 
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable 
     to you or anyone making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any 
     loss, damage, expense or inconvenience caused by any occurrence outside of our control; (3) any taxes that you incur as 
     a result of receiving reward points, cash back rewards, merchandise and/or services received through reward points 
     redemption, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase and/or 
     receive through reward points redemption, or for any direct, indirect or consequential damages with respect to the use of 
     your Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be 
     limited to the amount of any reward points you have earned in this Program. The Program, reward points and cash back 
     rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D254 
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      Back to Top
     D258            
                          CARD AGREEMENT (FOR SECURED CARD) 
       
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce 
     the amount of your available credit. 
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     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Card Agreement and Agreement  
     This Card Agreement, together with the �Deposit Agreement�, �Security Agreement for Deposit Account�, and �Pricing Summary� (collectively 
     �Agreement�), is your contract with Credit One Bank and governs the terms of your savings deposit account and the credit card it secures (�Secured 
     Card�) with us. Please read it carefully. You should save a copy of this Agreement.  
      
     Accepting this Agreement: By submitting your application, opening an Account with us, or continuing to use your Account, you acknowledge that 
     you have read, understand, and agree to be bound by the terms of this Agreement and all applicable disclosures. You may still reject this Agreement 
     if you have not yet used the Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 
     or write us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or 
     charges.  
      
     Arbitration: This Agreement includes an arbitration provision with class action and jury trial waivers. You can reject the arbitration provision. 
     See �How to REJECT this Agreement to Arbitrate� in the Arbitration Agreement section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates.  A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Deposit Account has the meaning given to it in the Deposit Agreement. 
      
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     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index. 
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your in this Card Agreement refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request. We may allow you to increase the credit limit on your Account by depositing additional funds to your Deposit Account in the amount of the 
     requested increase.  See the �Secured Credit Limit Increases� section in the �Deposit Agreement� for additional information.   
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card or Account number and can be used to 
     get credit under this Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if 
     you violate those terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
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     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We then subtract any unpaid 
     interest. This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. 
     We add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the New Balance on your next statement in full by the Payment Due Date, in that billing cycle we will start 
     charging interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a credit limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
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     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease; and 
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
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     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us (and 
     our servicers, agents and contractors).  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this section shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us and you have a balance, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a co urt. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents, independent contractors or representatives 
     of us in connection with the subject matter of the claim or dispute at issue.  
      
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     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, we no longer own your Account or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, 
     coverage, meaning, or scope of this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any 
     questions about what Claims are subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will 
     allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (c) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
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     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below section entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
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     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate the company that sold you the goods or services.)  
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     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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
                                            
                                  DEPOSIT AGREEMENT 
      
     Definitions 
      
     Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of interest paid on the Account, based on the applicable interest 
     rate and frequency of compounding.  
      
     Business Day means Monday through Friday, not including Saturday or Sunday, or a bank holiday. 
      
     Deposit Account means the Credit One Bank savings deposit account governed by this Deposit Agreement.  
      
     Electronic Fund Transfer or EFT is any transfer of funds that is initiated through an electronic terminal, telephone, computer, or magnetic tape for 
     the purpose of ordering, instructing, or authorizing a financial institution to debit or credit a consumer's account. 
      
     We, us, our, and Credit One Bank in this Deposit Agreement refer to Credit One Bank, N.A. 
      
     You and your in this Deposit Agreement refer to each person who owns a Deposit Account and, where appropriate, each person with authority to 
     deposit or withdraw funds from the Deposit Account or manage the Deposit Account.  
      
     Capitalized terms used in this Deposit Agreement and not defined shall have the meaning given to them in the Card Agreement. 
      
     Opening Your Deposit Account 
      
     Opening a Deposit Account: Deposit accounts with Credit One Bank may be opened on our website. You can access information about your Deposit 
     Account through various methods, including by telephone, our Mobile App, and through Online Banking at CreditOneBank.com.  
      
     Account Funding: After your Deposit Account is opened, your Deposit Account must properly fund and meet the minimum balance requirement 
     described in the �Minimum Balance� section below. If, for any reason, your Deposit Account does not properly fund and meet the minimum balance 
     requirement within thirty (30) calendar days, your Deposit Account will be closed and you will forfeit any interest, earnings or bonuses that may have 
     been accrued. We will not be responsible for any fees or charges incurred by you for the Deposit Account failing to fund properly.  
      
     You can make your Deposit Account-opening deposit by ACH or debit card from another bank deposit account. We will not accept cash or mailed 
     deposits and are not responsible for any items sent to us via mail. For additional information regarding how we accept deposits see the �Deposits� 
     section below. 
      
     Identification: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to 
     obtain, verify and record information that identifies each person who opens a Deposit Account. What this means for you: When you open a Deposit 
     Account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver�s 
     license or other identifying documents.  
      
     Deposit Account Ownership: We offer the Deposit Account described in this Deposit Agreement only to consumers for personal, family, or household 
     use. Your Deposit Account is non-transferrable and non-negotiable. 
      
     Truth in Savings & Related Disclosures  
      
     The interest rate paid on your Account:  .1000% 
      
     The Annual Percentage Yield (APY) for your Account:  .10% 
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     The interest rate and annual percentage yield for your Deposit Account are variable and set at our discretion, and subject to change at any time. 
      
     Interest Calculation: Interest begins to accrue on the Business Day in which we have received your initial deposit. We use the daily balance method 
     to calculate interest on your Deposit Account. This method applies a daily periodic rate to the principal amount in the Deposit Account each day. The 
     daily periodic rate is calculated by dividing the interest rate by 365 days for each day in the year, even in a leap year. Interest is credited to your Deposit 
     Account and compounded quarterly at each calendar quarter-end, however you will forfeit any accrued interest if your Deposit Account is closed before 
     it is credited. Fees may reduce your earnings.  
      
     Minimum Balance: You must deposit a minimum of at least $200.00 to establish your Deposit Account and maintain a minimum balance of at least 
     $200.00 in your Deposit Account each day to receive the interest rate and APY noted above. The minimum balance for your Deposit Account will be 
     based on the Account credit limit amount for which you applied and are approved, but no less than $200.00.   
      
     Transaction Limitations: No withdrawals from your Deposit Account will be permitted at any time. Additional deposits will only be allowed in 
     connection with an approved credit limit increase as outlined in the Secured Credit Limit Increases section below, and the balance must remain in the 
     Deposit Account until the Deposit Account is closed (see Security Agreement section below).  
     Secured Credit Limit Increases: We may allow you to increase the credit limit on your Account by depositing additional funds to your Deposit Account 
     in the amount of the requested increase.  The minimum deposit for a credit limit increase will be provided to you at the time the credit limit increase is 
     requested. We may delay increasing your available credit by the amount of the deposit for up to seven (7) days. Any accrued interest added to your 
     Deposit Account balance does not increase your Account credit limit, and does not reduce the amount of deposit required for a requested credit limit 
     increase. Credit limit increase requests must be made in accordance with procedures established from time to time by Credit One Bank. Deposits may 
     not be included with Account payments. The acceptance of additional deposits to your Deposit Account does not imply that your credit limit is increased. 
     We reserve the right to refuse any item for deposit. Approval of your deposit will be indicated in the form of a credit limit increase on your Account. For 
     information on Credit One Bank�s procedure for applying for a credit limit increase, contact us at the number on the back of your credit card.  
     Termination of Deposit Account: You may close your Deposit Account at any time. However, please review your �Security Agreement for Deposit 
     Account� for additional terms. We may require that you provide written notice seven days in advance of your requested Deposit Account closure. We 
     may cancel, suspend, or not renew your Deposit Account at any time and for any reason without notice. You will remain responsible for any amount 
     you owe us under this or any other agreement you have with us.   
      
     Deposits: We DO NOT ACCEPT CASH, CHECKS or WIRES for deposit. You can make deposits to your Deposit Account(s) with an EFT. Additionally, 
     you may NOT make a deposit or transfer funds via an ATM, and you may NOT make a deposit at any Credit One Bank office location. We have the 
     right to reject any item submitted for deposit and the right to return a deposit already made. See the Electronic Fund Transfer Disclosure and Terms 
     section below for additional information governing EFTs.  
      
     Automated Clearing House (ACH) Debits and Credits: You may authorize originators to send ACH credits to your Account. Each ACH transfer will 
     be processed under the Operating Rules of the National Automated Clearing House Association (NACHA) and you agree that each transaction is 
     subject to compliance with the NACHA rules. For more details on conducting ACH transfers, see the �Funds Transfers and Cutoff Times� section 
     below.  
      
     Funds Availability and Cutoff Times: We have established cutoff times for deposits to ensure we have time to accurately process transactions. If we 
     receive a deposit before 11:59 p.m. Pacific Time (PT) on a Business Day, we will consider that Business Day to be the day of your deposit. However, 
     if we receive a deposit after 11:59 p.m. PT or on a non-Business Day, we will consider the deposit as having been made the next Business Day.  
      
     Requests for ACH Transfers at the Bank made before 2:00 p.m. PT on a Business Day, shall be considered received on the Business Day the request 
     is made. Requests for ACH Transfers at the Bank made after 2:00 p.m. PT on a Business Day or on a non-Business Day, shall be considered received 
     the next Business Day.  
      
     Other Rules Governing Your Deposit Account 
      
     Changes to Your Deposit Account: You agree to promptly notify us of any change to your name, residential mailing address or email address. Failure 
     to do so may result in notices, statements and other correspondence being provided to the address maintained on our records for your Deposit Account. 
     You agree to indemnify and hold us harmless for doing so.  
      
     Power of Attorney: You may appoint someone (called an �attorney in fact�) with authority to conduct transactions on your Deposit Account by giving 
     a power of attorney. You must contact us directly to add an attorney in fact. In order to add an attorney in fact to your Deposit Account, the power of 
     attorney document must meet our requirements. Once a power of attorney is accepted, we may continue to allow your attorney in fact to make deposits, 
     withdrawals or other transactions until we receive actual notice of the death of the Deposit Account owner or until we receive written notification that 
     the power of attorney has been revoked or terminated.  
      
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     Dormant Deposit Accounts and Escheat: If your Deposit Account or any check we send you is considered dormant or abandoned under applicable 
     laws, we may be required to transfer (or �escheat�) the funds in your Deposit Account to the state. After your funds are escheated, we are not legally 
     responsible for the funds, and have no obligation to accrue interest. You must apply to the appropriate state agency to reclaim those funds. 
      
     Right to Setoff: Subject to applicable law, we may exercise our right of setoff or security interest against any and all of your deposit accounts with us 
     without notice, for any liability or debt of any of you, whether joint or individual, whether direct or contingent, whether now or hereafter existing, and 
     whether arising from overdrafts, endorsements, guarantees, loans, attachments, garnishments, levies, attorney fees, or other obligations. If the deposit 
     account is a joint or multiple-party account, each joint or multiple-party account holder authorizes us to exercise our right of setoff against any and all 
     deposit accounts of each account holder. If we receive a levy, attachment or other court process against you or another owner of the Deposit Account, 
     we may refuse to permit withdrawals or transfers from your Deposit Account until the legal action is dismissed or satisfied. Any levy, attachment or 
     other court process will be subject to our right of setoff or security interest. You are responsible for any losses, costs, or expenses we incur as a result 
     of any dispute or legal proceeding involving your Deposit Account. 
      
     Tax Information: The Internal Revenue Service (IRS) requires us to report interest payments that total $10 or more during the year on your Deposit 
     Account with us. When you open your Deposit Account, we are required to have a certified Social Security Number or Taxpayer Identification Number 
     for each Deposit Account owner. To meet federal requirements, you certify that you have provided your correct Social Security Number or Taxpayer 
     Identification Number for each Deposit Account owner during the online Deposit Account opening process. If you do not provide a certified SSN, if the 
     IRS notifies us that the name and corresponding SSN are incorrect, or if the IRS notifies that you failed to report all of your interest and dividends on 
     your tax return, we will withhold a specified percentage of the taxable interest that we pay you in accordance with IRS requirements.  
      
     For additional information on the above and how this applies to you, please consult your tax advisor.  
      
     Right to Require Notice of Withdrawal: We may require you to notify us in writing at least seven (7) days before you withdraw funds from your 
     Deposit Account. We are required to reserve this right under federal regulations. If we require this notice, the seven (7) day period starts on the day 
     we receive your written notice. 
      
     Electronic Communications: When you opened your Deposit Account, you consented to receive written communications and Deposit Account 
     disclosures electronically. We deliver written communications and Deposit Account disclosures by placing them in the Document Center located in 
     your online Deposit Account and Mobile App. We may provide you with an online notification and/or send you an electronic notice (Email/Text/SMS) 
     regarding the availability of a document ready to be viewed. However, from time to time, this service may not be available. Therefore, you are 
     responsible for checking the Document Center for Communications. 
      
     In the event Credit One is unable to notify you electronically, you agree that we may, in our sole and absolute discretion, discontinue electronic 
     Communications and send future Communications to you in paper form. 
      
     If you withdraw your consent to receive Deposit Account Communications electronically, you will no longer be able to receive electronic 
     Communications about your Deposit Account, and your Deposit Account and the Account it secures will be subsequently closed and any funds 
     in your Deposit Account will be applied to the Account it secures. 
      
     Agreement, Arbitration, and Attorney Fees. The Deposit Agreement is subject to the Security Agreement for Deposit Account and Card Agreement. 
     If any term conflicts with this Deposit Agreement, this Deposit Agreement will prevail. The Card Agreement governing the Account contains an 
     arbitration provision that applies to all claims relating to the Account.  Disputes regarding this Deposit Agreement are subject to the Arbitration 
     Agreement as set forth in the Card Agreement. If we use an attorney to defend or enforce our rights under this Deposit Agreement or to perform any 
     legal services in connection with this Deposit Agreement, we may charge you our legal costs as permitted by law. 
      
     Waiver, Conformance with Law; Severability: We will not lose any rights under this Deposit Agreement because we delay or do not enforce them. 
     If any part of this Deposit Agreement conflicts with applicable law, that provision will be considered modified to conform to applicable law. If any part 
     of this Deposit Agreement is determined to be invalid or unenforceable, the rest of the Deposit Agreement shall remain in effect, except as otherwise 
     noted in the Arbitration Agreement. 
      
     ELECTRONIC FUND TRANSFER DISCLOSURE AND TERMS 
      
     This section of the Deposit Agreement applies to payment orders and funds transfers governed by the Electronic Fund Transfer Act.  
      
     Type of Transfers: You may authorize the following Electronic Fund Transfers (EFT) to your Deposit Account: 
        �  One-time ACHs or debit card deposits at Deposit Account opening and in connection with any Secured Credit Limit Increase, from an account 
           the Account owner owns; no transfers are allowed to or from third parties or accounts the Account owner does not own. 
      
     Periodic Statements: You will receive a monthly Deposit Account statement unless there have been no transfers during that month, in which case 
     you will receive a statement at least quarterly. 
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     Online Banking: You may view your Deposit Account activity by computer online by logging into your online account through our website at 
     www.CreditOneBank.com.  
      
     Financial Institution�s Liability: If we do not complete a transfer to or from your Deposit Account on time or in the correct amount according to our 
     agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: 
        �  If, through no fault of ours, you do not have enough money in your account to make the transfer. 
        �  If there was a website malfunction and you knew about the breakdown when you started the transfer. 
        �  If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. 
        �  If you did not provide us with the correct information to make the transfer. 
        �  If your Deposit Account has been closed.  
     If you think there is an error on your Deposit Account statement, please see the �Your Billing Rights� section previously addressed in this Agreement. 
     The sections below provide your liabilities and responsibilities for identifying and reporting any potential errors on your Deposit Account.  
      
     Liability for Unauthorized Electronic Fund Transfers From Your Deposit Account: Tell us immediately if you believe that an Electronic Fund 
     Transfer has been made from your Deposit Account without your permission. Contacting us by telephone is the best way to minimize your possible 
     losses. If you tell us within two (2) Business Days after you learn that your Deposit Account access credentials have been lost or stolen or of the 
     unauthorized transfer of funds, your liability will be no more than $50. If you DO NOT tell us within two (2) Business Days after you learn that your 
     Deposit Account access credentials have been lost or stolen or that an unauthorized transfer of funds has occurred, and we can prove that we could 
     have stopped the unauthorized transfer if you told us, you could lose as much as $500. If your statement shows Electronic Fund Transfers that you 
     did not make, you need to notify us at once. If you do not notify us within sixty (60) days after the Deposit Account statement was sent or made available 
     to you, you may not get back the money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money 
     if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from notifying us, we will extend the time periods.  
      
     If you believe your Deposit Account access credentials have been lost or stolen, or learned by an unauthorized person, or that someone has transferred 
     or may transfer money from your Deposit Account without your permission, notify us immediately by calling us at 1-877-825-3242 or write to us at 
     Credit One Bank, P.O. Box 98873, Las Vegas, NV 89113-8873. 
      
     Error Resolution Notice on Periodic Statements: In case of errors or questions about your electronic transfers, please call us at 1-877-825-3242 or 
     write us at the address listed below as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on 
     the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. 
        (1)  Tell us your name and Deposit Account number (if any). 
        (2)  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need 
           more information. 
        (3)  Tell us the dollar amount of the suspected error. 
     If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days. We will determine whether an error 
     occurred within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 
     days to investigate your complaint or question. If we decide to do this, we will credit your Deposit Account within 10 Business Days for the amount you 
     think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint 
     or question in writing and we do not receive it within 10 Business Days, we may not provisionally credit your Deposit Account. 
      
     For errors involving new Deposit Accounts or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For 
     new Deposit Accounts, we may take up to 20 Business Days to credit your Deposit Account for the amount you think is in error. 
      
     We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written 
     explanation. You may ask for copies of the documents that we used in our investigation. Please write us at: 
      
                                       Credit One Bank 
                                       P. O. Box 98873 
                                    Las Vegas, NV 89113-8873 
      
      
      
      
      
       
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                        SECURITY AGREEMENT FOR DEPOSIT ACCOUNT 
      
     Definitions 
      
     Deposit Account means the Credit One Bank savings deposit account governed by this Security Agreement for Deposit Account 
      
     We, us, our, and Credit One Bank in this Security Agreement for Deposit Account refer to Credit One Bank, N.A. 
      
     You and your in this Security Agreement refer to each person who owns a Deposit Account and, where appropriate, each person with authority to 
     deposit or withdraw funds from the Deposit Account or manage the Deposit Account.  
      
     Capitalized terms used in this Security Agreement for Deposit Account and not defined shall have the meaning given to them in the Card Agreement. 
      
     Deposit Account: You agree to establish and maintain a Deposit Account as security for the Account with an amount of Funds at least equal to the 
     credit line, but no less than $200.00. �Funds� means the total amount you deposited and maintain in the Deposit Account. Depositing funds greater 
     than the Credit Line will not increase the Credit Line and you may not have access to those funds. You cannot use the Deposit Account to secure other 
     loans and must keep the Deposit Account free of encumbrances other than the security interest you grant us. You cannot make withdrawals from the 
     Deposit Account while those Funds are being used to secure your Debt.  If you attempt to do so, we may consider you in default. 
      
     Pledge and Assignment of Security Interest. As security for the payment of your obligations under the Account (�Debt�), you grant us a security 
     interest in all Funds, including all proceeds of the Funds. You agree to take any actions needed for us to perfect or protect our lien position of our 
     security interest. You represent that there are no lawsuits or bankruptcy proceedings that may affect our interest in the Funds. We may, in our sole 
     discretion, assign the Deposit Account and our rights and obligations under this Security Agreement. 
      
     Applying Funds to the Debt.  If you default under the Agreement or the Account is closed for any reason, we may at any time and without notice 
     apply the Funds to any outstanding Debt. Such use of Funds will not constitute a required payment under the Agreement. You continue to be 
     responsible for making payments and repaying any outstanding Debt.  We may retain the Funds for 60 days after you no longer have any right to use 
     the Account, to cover any transactions, fees or charges relating to use of the Account.   
      
     Agreement, Arbitration, and Attorney Fees. The Security Agreement for Deposit Account is subject to the Deposit Agreement and Card Agreement. 
     If any term conflicts with this Security Agreement for Deposit Account, this Security Agreement for Deposit Account will prevail. The Card Agreement 
     governing the Account contains an arbitration provision that applies to all claims relating to the Account.  Disputes regarding this Security Agreement 
     for Deposit Account are subject to the Arbitration Agreement as set forth in the Card Agreement. If we use an attorney to defend or enforce our rights 
     under this Security Agreement for Deposit Account or to perform any legal services in connection with this Security Agreement for Deposit Account, 
     we may charge you our legal costs as permitted by law. 
      
     Governing Law, Severability.  This Security Agreement for Deposit Account and our security interest are governed by Nevada Law. If any part of the 
     Security Agreement for Deposit Account is invalid, the rest shall remain in effect.   
      
     Consent.  You consent to this Security Agreement for Deposit Account and grant us a security interest in the Deposit Account as well as any renewals, 
     proceeds, and additions to it.  
      
      
       
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     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no cash back reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     Bank cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
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     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
     Credit One Bank More Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Bank, N.A. (�Credit One Bank�) More Cash Back Rewards Program (�More 
     Program�) and supplements the Card Agreement that governs your credit card account issued by Credit One Bank (the �Account�). By using the 
     Account, you agree to participate in the More Program. Your participation is subject to the terms of the Card Agreement, including the arbitration 
     provision, if applicable, and this More Supplement. In the event of a conflict between the Card Agreement and this More Supplement, with respect to 
     matters relating to the More Program, this More Supplement controls. Capitalized terms used but not defined herein shall have the meaning ascribed 
     to them in the Card Agreement.  
      
     More Program: The More Program is a cash back rewards program operated and managed by Figg, Inc. (�Figg�) (formerly known as Augeo CLO, 
     Inc.) and provided to you by Credit  One  Bank as a complimentary benefit of your Account. The More Program is separate from any other 
     Credit  One  Bank rewards program. The More Program will make certain cash back rewards (collectively, �Offers�) from participating merchants (each 
     a  �Merchant�)  available  to  Cardholders.  You  can  find  information  about  current  Offers  on  the  More  Program  website  (currently  located  at 
     https://morerewards.creditonebank.com/ and operated by Figg). You may also receive information about current Offers via email. In order to use an 
     Offer and receive its associated benefit, you must complete a purchase transaction with your Card that meets the particular terms and conditions of 
     the Offer (�Qualifying Purchase�).  
      
     Earning More Cash Back Rewards: You earn cash back rewards in the form of a statement credit equal to the amount of the discount or other benefit 
     provided in the applicable Offer of the Net Purchase (defined below) for each Qualifying Purchase. We will post a statement credit to your Account 
     within 90 days after the date of the Qualifying Purchase associated with each Offer. If your Account is in default, as defined in your Card Agreement, 
     at the time the credit is to be posted, you WILL NOT receive the credit. All disputes related to the More Program statement credits must be reported to 
     Credit  One  Bank customer service within 180 days of the Qualifying Purchase. We reserve the right to finally determine all disputes and you 
     acknowledge that all such determinations are final and binding. �Net Purchases� are Qualifying Purchases minus any returns, disputed charges, 
     unauthorized charges, illegal or fraudulent charges, or other credits for such Qualifying Purchases.  
      
     More Program Restrictions: Statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be 
     required to pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for otherwise 
     Qualifying Purchases made while your Account is in default as defined in your Card Agreement. The More Program excludes Accounts already enrolled 
     in another card-linked rewards program. If you have more than one Card, each Qualifying Purchase will only be applied to the Card Account used to 
     complete each applicable Qualifying Purchase. Merchants may have agreed to pay the More Program certain operating or marketing fees when 
     Cardholders purchase goods or services using their Card from such Merchants through the More Program.  
      
     Notifications and Other Communications: We may from time to time send automatic notifications and other communications to Cardholders relating 
     to the More Program as provided in the Card Agreement. Cardholders are responsible for any service provider charges that may result from such 
     notifications and other communications.  
      
     Changes: The More Program may be changed (added to, modified,  or deleted) by us at any time. We will give you prior notice to the extent required 
     by  law.  The  current  version  of  the  Credit   One   Bank  More  Cash  Back  Rewards  Program  Supplement  may  be  found  at 
     www.CreditOneBank.com/assets/pdf/moreterms.pdf. Any revisions may affect your ability to earn rewards. Each Merchant reserves the right to change, 
     at any time and without notice, the amount or percentage of any cash back rewards Offer as well as the terms and conditions of any Qualifying 
     Purchase.  
      
     Termination: We may suspend or terminate the More Program or your participation in the More Program at any time without prior notice. In such 
     event, we will evaluate your Account for any eligible rewards as of the More Program termination date. Provided that you meet all of the More Program 
     requirements listed above as well as all requirements in each applicable Offer, you will receive a distribution of the rewards earned during the current 
     billing period in the form of a statement credit.  
      
     Limited Liability: Unless otherwise required by law, the More Program, or our Card Agreement with you, we will not be liable to you or anyone making 
     a claim on your behalf, in connection to: (1) any change or termination of the More Program; (2) any loss, damage, expense, or inconvenience caused 
     by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; 
     (4) any merchandise or services you purchase; (5) the business practices and policies of Merchants; or (6) for any direct, indirect, or consequential 
     damages with respect to the use of your Account. In any event, any liability that Credit One Bank and Figg may have to you in connection with the 
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     More Program shall be limited to the amount of any rewards you have earned in the More Program. The More Program and rewards are void or limited 
     where prohibited or restricted, respectively, by federal, state, or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D258 
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     Back to Top
     D260                 CARD AGREEMENT (FOR SECURED CARD) 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE 
      (APR) for Purchases   24.40% 
      ANNUAL PERCENTAGE RATE 
                           24.40% 
      (APR) for Balance Transfers 
      ANNUAL PERCENTAGE RATE 
                           24.40% 
      (APR) for Cash Advances 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
      Transaction Fees 
      � Balance Transfer   Either $7 or 4% of the amount of each Balance Transfer, whichever is greater. 
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late
                                           1 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR corresponds to a monthly periodic rate of 2.03333%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     Military Lending Act Protections 
      
     Covered Borrower: A Covered Borrower is a consumer who is entitled to the Limitations on Terms of Consumer Credit Extended to Service 
     Members and Dependents pursuant to a determination made in accordance with 32 C.F.R. 232.5(b). 
        
     Compliance with the Military Lending Act: This Agreement shall be interpreted to comply with the Military Lending Act, including its restrictions on 
     permissible loan terms and limitations on interest and fees. As a Covered Borrower: (a) the arbitration provision shall not apply to you, (b) the Duplicate 
     Statement Fee, the Sales Slip Request Fee, and the Replacement Card Fee shall not apply to you, and (c) any other provision of this Agreement that 
     is inconsistent with the Military Lending Act shall not apply to you. 
      
     The Card Agreement and Agreement  
     This Card Agreement, together with the �Deposit Agreement�, �Security Agreement for Deposit Account�, and �Pricing Summary� (collectively 
     �Agreement�), is your contract with Credit One Bank and governs the terms of your savings deposit account and the credit card it secures (�Secured 
     Card�) with us. Please read it carefully. You should save a copy of this Agreement.  
      
     Accepting this Agreement: By submitting your application, opening an Account with us, or continuing to use your Account, you acknowledge that 
     you have read, understand, and agree to be bound by the terms of this Agreement and all applicable disclosures. You may still reject this Agreement 
     if you have not yet used the Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 
     or write us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or 
     charges.  
      
     Arbitration: This Agreement includes an arbitration provision with class action and jury trial waivers. You can reject the arbitration provision. 
     See �How to REJECT this Agreement to Arbitrate� in the Arbitration Agreement section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates.  A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
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     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Deposit Account has the meaning given to it in the Deposit Agreement. 
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index. 
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your in this Card Agreement refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request. We may allow you to increase the credit limit on your Account by depositing additional funds to your Deposit Account in the amount of the 
     requested increase.  See the �Secured Credit Limit Increases� section in the �Deposit Agreement� for additional information.   
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card or Account number and can be used to 
     get credit under this Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if 
     you violate those terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
                                           3 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We then subtract any unpaid 
     interest. This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. 
     We add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the New Balance on your next statement in full by the Payment Due Date, in that billing cycle we will start 
     charging interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a credit limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
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     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease; and 
                                           5 
      
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us (and 
     our servicers, agents and contractors).  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this section shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us and you have a balance, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
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     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents, independent contractors or representatives 
     of us in connection with the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, we no longer own your Account or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, 
     coverage, meaning, or scope of this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any 
     questions about what Claims are subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will 
     allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (c) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
                                           7 
      
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below section entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
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     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 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:  
                                           9 
      
     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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
      
                                  DEPOSIT AGREEMENT 
      
     Definitions 
      
     Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of interest paid on the Account, based on the applicable interest 
     rate and frequency of compounding.  
      
     Business Day means Monday through Friday, not including Saturday or Sunday, or a bank holiday. 
      
     Deposit Account means the Credit One Bank savings deposit account governed by this Deposit Agreement.  
      
     Electronic Fund Transfer or EFT is any transfer of funds that is initiated through an electronic terminal, telephone, computer, or magnetic tape for 
     the purpose of ordering, instructing, or authorizing a financial institution to debit or credit a consumer's account. 
      
     We, us, our, and Credit One Bank in this Deposit Agreement refer to Credit One Bank, N.A. 
      
     You and your in this Deposit Agreement refer to each person who owns a Deposit Account and, where appropriate, each person with authority to 
     deposit or withdraw funds from the Deposit Account or manage the Deposit Account.  
      
     Capitalized terms used in this Deposit Agreement and not defined shall have the meaning given to them in the Card Agreement. 
      
     Opening Your Deposit Account 
      
     Opening a Deposit Account: Deposit accounts with Credit One Bank may be opened on our website. You can access information about your Deposit 
     Account through various methods, including by telephone, our Mobile App, and through Online Banking at CreditOneBank.com.  
      
     Account Funding: After your Deposit Account is opened, your Deposit Account must properly fund and meet the minimum balance requirement 
     described in the �Minimum Balance� section below. If, for any reason, your Deposit Account does not properly fund and meet the minimum balance 
     requirement within thirty (30) calendar days, your Deposit Account will be closed and you will forfeit any interest, earnings or bonuses that may have 
     been accrued. We will not be responsible for any fees or charges incurred by you for the Deposit Account failing to fund properly.  
      
     You can make your Deposit Account-opening deposit by ACH or debit card from another bank deposit account. We will not accept cash or mailed 
     deposits and are not responsible for any items sent to us via mail. For additional information regarding how we accept deposits see the �Deposits� 
     section below. 
      
     Identification: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to 
     obtain, verify and record information that identifies each person who opens a Deposit Account. What this means for you: When you open a Deposit 
     Account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver�s 
     license or other identifying documents.  
      
     Deposit Account Ownership: We offer the Deposit Account described in this Deposit Agreement only to consumers for personal, family, or household 
     use. Your Deposit Account is non-transferrable and non-negotiable. 
      
      
      
      
                                          10 
      
     Truth in Savings & Related Disclosures  
      
     The interest rate paid on your Account:  .1000% 
      
     The Annual Percentage Yield (APY) for your Account:  .10% 
      
     The interest rate and annual percentage yield for your Deposit Account are variable and set at our discretion, and subject to change at any time. 
      
     Interest Calculation: Interest begins to accrue on the Business Day in which we have received your initial deposit. We use the daily balance method 
     to calculate interest on your Deposit Account. This method applies a daily periodic rate to the principal amount in the Deposit Account each day. The 
     daily periodic rate is calculated by dividing the interest rate by 365 days for each day in the year, even in a leap year. Interest is credited to your Deposit 
     Account and compounded quarterly at each calendar quarter-end, however you will forfeit any accrued interest if your Deposit Account is closed before 
     it is credited. Fees may reduce your earnings.  
      
     Minimum Balance: You must deposit a minimum of at least $200.00 to establish your Deposit Account and maintain a minimum balance of at least 
     $200.00 in your Deposit Account each day to receive the interest rate and APY noted above. The minimum balance for your Deposit Account will be 
     based on the Account credit limit amount for which you applied and are approved, but no less than $200.00.   
      
     Transaction Limitations: No withdrawals from your Deposit Account will be permitted at any time. Additional deposits will only be allowed in 
     connection with an approved credit limit increase as outlined in the Secured Credit Limit Increases section below, and the balance must remain in the 
     Deposit Account until the Deposit Account is closed (see Security Agreement section below).  
     Secured Credit Limit Increases: We may allow you to increase the credit limit on your Account by depositing additional funds to your Deposit Account 
     in the amount of the requested increase.  The minimum deposit for a credit limit increase will be provided to you at the time the credit limit increase is 
     requested. We may delay increasing your available credit by the amount of the deposit for up to seven (7) days. Any accrued interest added to your 
     Deposit Account balance does not increase your Account credit limit, and does not reduce the amount of deposit required for a requested credit limit 
     increase. Credit limit increase requests must be made in accordance with procedures established from time to time by Credit One Bank. Deposits may 
     not be included with Account payments. The acceptance of additional deposits to your Deposit Account does not imply that your credit limit is increased. 
     We reserve the right to refuse any item for deposit. Approval of your deposit will be indicated in the form of a credit limit increase on your Account. For 
     information on Credit One Bank�s procedure for applying for a credit limit increase, contact us at the number on the back of your credit card.  
     Termination of Deposit Account: You may close your Deposit Account at any time. However, please review your �Security Agreement for Deposit 
     Account� for additional terms. We may require that you provide written notice seven days in advance of your requested Deposit Account closure. We 
     may cancel, suspend, or not renew your Deposit Account at any time and for any reason without notice. You will remain responsible for any amount 
     you owe us under this or any other agreement you have with us.   
      
     Deposits: We DO NOT ACCEPT CASH, CHECKS or WIRES for deposit. You can make deposits to your Deposit Account(s) with an EFT. Additionally, 
     you may NOT make a deposit or transfer funds via an ATM, and you may NOT make a deposit at any Credit One Bank office locatio n. We have the 
     right to reject any item submitted for deposit and the right to return a deposit already made. See the Electronic Fund Transfer Disclosure and Terms 
     section below for additional information governing EFTs.  
      
     Automated Clearing House (ACH) Debits and Credits: You may authorize originators to send ACH credits to your Account. Each ACH transfer will 
     be processed under the Operating Rules of the National Automated Clearing House Association (NACHA) and you agree that each transaction is 
     subject to compliance with the NACHA rules. For more details on conducting ACH transfers, see the �Funds Transfers and Cutoff Times� section 
     below.  
      
     Funds Availability and Cutoff Times: We have established cutoff times for deposits to ensure we have time to accurately process transactions. If we 
     receive a deposit before 11:59 p.m. Pacific Time (PT) on a Business Day, we will consider that Business Day to be the day of your deposit. However, 
     if we receive a deposit after 11:59 p.m. PT or on a non-Business Day, we will consider the deposit as having been made the next Business Day.  
      
     Requests for ACH Transfers at the Bank made before 2:00 p.m. PT on a Business Day, shall be considered received on the Business Day the request 
     is made. Requests for ACH Transfers at the Bank made after 2:00 p.m. PT on a Business Day or on a non-Business Day, shall be considered received 
     the next Business Day.  
      
     Other Rules Governing Your Deposit Account 
      
     Changes to Your Deposit Account: You agree to promptly notify us of any change to your name, residential mailing address or email address. Failure 
     to do so may result in notices, statements and other correspondence being provided to the address maintained on our records for your Deposit Account. 
     You agree to indemnify and hold us harmless for doing so.  
      
                                          11 
      
     Power of Attorney: You may appoint someone (called an �attorney in fact�) with authority to conduct transactions on your Deposit Account by giving 
     a power of attorney. You must contact us directly to add an attorney in fact. In order to add an attorney in fact to your Deposit Account, the power of 
     attorney document must meet our requirements. Once a power of attorney is accepted, we may continue to allow your attorney in fact to make deposits, 
     withdrawals or other transactions until we receive actual notice of the death of the Deposit Account owner or until we receive written notification that 
     the power of attorney has been revoked or terminated.  
      
     Dormant Deposit Accounts and Escheat: If your Deposit Account or any check we send you is considered dormant or abandoned under applicable 
     laws, we may be required to transfer (or �escheat�) the funds in your Deposit Account to the state. After your funds are escheated, we are not legally 
     responsible for the funds, and have no obligation to accrue interest. You must apply to the appropriate state agency to reclaim those funds. 
      
     Right to Setoff: Subject to applicable law, we may exercise our right of setoff or security interest against any and all of your deposit accounts with us 
     without notice, for any liability or debt of any of you, whether joint or individual, whether direct or contingent, whether now or hereafter existing, and 
     whether arising from overdrafts, endorsements, guarantees, loans, attachments, garnishments, levies, attorney fees, or other obligations. If the deposit 
     account is a joint or multiple-party account, each joint or multiple-party account holder authorizes us to exercise our right of setoff against any and all 
     deposit accounts of each account holder. If we receive a levy, attachment or other court process against you or another owner of the Deposit Account, 
     we may refuse to permit withdrawals or transfers from your Deposit Account until the legal action is dismissed or satisfied. Any levy, attachment or 
     other court process will be subject to our right of setoff or security interest. You are responsible for any losses, costs, or expenses we incur as a result 
     of any dispute or legal proceeding involving your Deposit Account. 
      
     Tax Information: The Internal Revenue Service (IRS) requires us to report interest payments that total $10 or more during the year on your Deposit 
     Account with us. When you open your Deposit Account, we are required to have a certified Social Security Number or Taxpayer Identification Number 
     for each Deposit Account owner. To meet federal requirements, you certify that you have provided your correct Social Security Number or Taxpayer 
     Identification Number for each Deposit Account owner during the online Deposit Account opening process. If you do not provide a certified SSN, if the 
     IRS notifies us that the name and corresponding SSN are incorrect, or if the IRS notifies that you failed to report all of your interest and dividends on 
     your tax return, we will withhold a specified percentage of the taxable interest that we pay you in accordance with IRS requirements.  
      
     For additional information on the above and how this applies to you, please consult your tax advisor.  
      
     Right to Require Notice of Withdrawal: We may require you to notify us in writing at least seven (7) days before you withdraw funds from your 
     Deposit Account. We are required to reserve this right under federal regulations. If we require this notice, the seven (7) day period starts on the day 
     we receive your written notice. 
      
     Electronic Communications: When you opened your Deposit Account, you consented to receive written communications and Deposit Account 
     disclosures electronically. We deliver written communications and Deposit Account disclosures by placing them in the Document Center located in 
     your online Deposit Account and Mobile App. We may provide you with an online notification and/or send you an electronic notice (Email/Text/SMS) 
     regarding the availability of a document ready to be viewed. However, from time to time, this service may not be available. Therefore, you are 
     responsible for checking the Document Center for Communications. 
      
     In the event Credit One is unable to notify you electronically, you agree that we may, in our sole and absolute discretion, discontinue electronic 
     Communications and send future Communications to you in paper form. 
      
     If you withdraw your consent to receive Deposit Account Communications electronically, you will no longer be able to receive electronic 
     Communications about your Deposit Account, and your Deposit Account and the Account it secures will be subsequently closed and any funds 
     in your Deposit Account will be applied to the Account it secures. 
      
     Agreement, Arbitration, and Attorney Fees. The Deposit Agreement is subject to the Security Agreement for Deposit Account and Card Agreement. 
     If any term conflicts with this Deposit Agreement, this Deposit Agreement will prevail. The Card Agreement governing the Account contains an 
     arbitration provision that applies to all claims relating to the Account.  Disputes regarding this Deposit Agreement are subject to the Arbitration 
     Agreement as set forth in the Card Agreement. If we use an attorney to defend or enforce our rights under this Deposit Agreement or to perform any 
     legal services in connection with this Deposit Agreement, we may charge you our legal costs as permitted by law. 
      
     Waiver, Conformance with Law; Severability: We will not lose any rights under this Deposit Agreement because we delay or do not enforce them. 
     If any part of this Deposit Agreement conflicts with applicable law, that provision will be considered modified to conform to applicable law. If any part 
     of this Deposit Agreement is determined to be invalid or unenforceable, the rest of the Deposit Agreement shall remain in effect, except as otherwise 
     noted in the Arbitration Agreement. 
      
       
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     ELECTRONIC FUND TRANSFER DISCLOSURE AND TERMS 
      
     This section of the Deposit Agreement applies to payment orders and funds transfers governed by the Electronic Fund Transfer Act.  
      
     Type of Transfers: You may authorize the following Electronic Fund Transfers (EFT) to your Deposit Account: 
        �  One-time ACHs or debit card deposits at Deposit Account opening and in connection with any Secured Credit Limit Increase, from an account 
           the Account owner owns; no transfers are allowed to or from third parties or accounts the Account owner does not own. 
      
     Periodic Statements: You will receive a monthly Deposit Account statement unless there have been no transfers during that month, in which case 
     you will receive a statement at least quarterly. 
      
     Online Banking: You may view your Deposit Account activity by computer online by logging into your online account through our website at 
     www.CreditOneBank.com.  
      
     Financial Institution�s Liability: If we do not complete a transfer to or from your Deposit Account on time or in the correct amount according to our 
     agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: 
        �  If, through no fault of ours, you do not have enough money in your account to make the transfer. 
        �  If there was a website malfunction and you knew about the breakdown when you started the transfer. 
        �  If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. 
        �  If you did not provide us with the correct information to make the transfer. 
        �  If your Deposit Account has been closed.  
     If you think there is an error on your Deposit Account statement, please see the �Your Billing Rights� section previously addressed in this Agreement. 
     The sections below provide your liabilities and responsibilities for identifying and reporting any potential errors on your Deposit Account.  
      
     Liability for Unauthorized Electronic Fund Transfers From Your Deposit Account: Tell us immediately if you believe that an Electronic Fund 
     Transfer has been made from your Deposit Account without your permission. Contacting us by telephone is the best way to minimize your possible 
     losses. If you tell us within two (2) Business Days after you learn that your Deposit Account access credentials have been lost or stolen or of the 
     unauthorized transfer of funds, your liability will be no more than $50. If you DO NOT tell us within two (2) Business Days after you learn that your 
     Deposit Account access credentials have been lost or stolen or that an unauthorized transfer of funds has occurred, and we can prove that we could 
     have stopped the unauthorized transfer if you told us, you could lose as much as $500. If your statement shows Electronic Fund Transfers that you 
     did not make, you need to notify us at once. If you do not notify us within sixty (60) days after the Deposit Account statement was sent or made available 
     to you, you may not get back the money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money 
     if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from notifying us, we will extend the time periods.  
      
     If you believe your Deposit Account access credentials have been lost or stolen, or learned by an unauthorized person, or that someone has transferred 
     or may transfer money from your Deposit Account without your permission, notify us immediately by calling us at 1-877-825-3242 or write to us at 
     Credit One Bank, P.O. Box 98873, Las Vegas, NV 89113-8873. 
      
     Error Resolution Notice on Periodic Statements: In case of errors or questions about your electronic transfers, please call us at 1-877-825-3242 or 
     write us at the address listed below as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on 
     the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. 
        (1)  Tell us your name and Deposit Account number (if any). 
        (2)  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need 
           more information. 
        (3)  Tell us the dollar amount of the suspected error. 
     If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days. We will determine whether an error 
     occurred within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 
     days to investigate your complaint or question. If we decide to do this, we will credit your Deposit Account within 10 Business Days for the amount you 
     think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint 
     or question in writing and we do not receive it within 10 Business Days, we may not provisionally credit your Deposit Account. 
      
     For errors involving new Deposit Accounts or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For 
     new Deposit Accounts, we may take up to 20 Business Days to credit your Deposit Account for the amount you think is in error. 
      
     We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written 
     explanation. You may ask for copies of the documents that we used in our investigation. Please write us at: 
      
                                       Credit One Bank 
                                       P. O. Box 98873 
                                    Las Vegas, NV 89113-8873 
                                          13 
      
                        SECURITY AGREEMENT FOR DEPOSIT ACCOUNT 
      
     Definitions 
      
     Deposit Account means the Credit One Bank savings deposit account governed by this Security Agreement for Deposit Account 
      
     We, us, our, and Credit One Bank in this Security Agreement for Deposit Account refer to Credit One Bank, N.A. 
      
     You and your in this Security Agreement refer to each person who owns a Deposit Account and, where appropriate, each person with authority to 
     deposit or withdraw funds from the Deposit Account or manage the Deposit Account.  
      
     Capitalized terms used in this Security Agreement for Deposit Account and not defined shall have the meaning given to them in the Card Agreement. 
      
     Deposit Account: You agree to establish and maintain a Deposit Account as security for the Account with an amount of Funds at least equal to the 
     credit line, but no less than $200.00. �Funds� means the total amount you deposited and maintain in the Deposit Account. Depositing funds greater 
     than the Credit Line will not increase the Credit Line and you may not have access to those funds. You cannot use the Deposit Account to secure other 
     loans and must keep the Deposit Account free of encumbrances other than the security interest you grant us. You cannot make withdrawals from the 
     Deposit Account while those Funds are being used to secure your Debt.  If you attempt to do so, we may consider you in default. 
      
     Pledge and Assignment of Security Interest. As security for the payment of your obligations under the Account (�Debt�), you grant us a security 
     interest in all Funds, including all proceeds of the Funds. You agree to take any actions needed for us to perfect or protect our lien position of our 
     security interest. You represent that there are no lawsuits or bankruptcy proceedings that may affect our interest in the Funds. We may, in our sole 
     discretion, assign the Deposit Account and our rights and obligations under this Security Agreement. 
      
     Applying Funds to the Debt.  If you default under the Agreement or the Account is closed for any reason, we may at any time and without notice 
     apply the Funds to any outstanding Debt. Such use of Funds will not constitute a required payment under the Agreement. You continue to be 
     responsible for making payments and repaying any outstanding Debt.  We may retain the Funds for 60 days after you no longer have any right to use 
     the Account, to cover any transactions, fees or charges relating to use of the Account.   
      
     Agreement, Arbitration, and Attorney Fees. The Security Agreement for Deposit Account is subject to the Deposit Agreement and Card Agreement. 
     If any term conflicts with this Security Agreement for Deposit Account, this Security Agreement for Deposit Account will prevail. The Card Agreement 
     governing the Account contains an arbitration provision that applies to all claims relating to the Account.  Disputes regarding this Security Agreement 
     for Deposit Account are subject to the Arbitration Agreement as set forth in the Card Agreement. If we use an attorney to defend or enforce our rights 
     under this Security Agreement for Deposit Account or to perform any legal services in connection with this Security Agreement for Deposit Account, 
     we may charge you our legal costs as permitted by law. 
      
     Governing Law, Severability.  This Security Agreement for Deposit Account and our security interest are governed by Nevada Law. If any part of the 
     Security Agreement for Deposit Account is invalid, the rest shall remain in effect.   
      
     Consent.  You consent to this Security Agreement for Deposit Account and grant us a security interest in the Deposit Account as well as any renewals, 
     proceeds, and additions to it.  
      
      
       
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     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     Bank cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
                                          15 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Bank, N.A. (�Credit One Bank�) More Cash Back Rewards Program (�More 
     Program�) and supplements the Card Agreement that governs your credit card account issued by Credit One Bank (the �Account�). By using the 
     Account, you agree to participate in the More Program. Your participation is subject to the terms of the Card Agreement, including the arbitration 
     provision, if applicable, and this More Supplement. In the event of a conflict between the Card Agreement and this More Supplement, with respect to 
     matters relating to the More Program, this More Supplement controls. Capitalized terms used but not defined herein shall have the meaning ascribed 
     to them in the Card Agreement.  
      
     More Program: The More Program is a cash back rewards program operated and managed by Figg, Inc. (�Figg�) (formerly known as Augeo CLO, 
     Inc.) and provided to you by Credit  One  Bank as a complimentary benefit of your Account. The More Program is separate from any other 
     Credit  One  Bank rewards program. The More Program will make certain cash back rewards (collectively, �Offers�) from participating merchants (each 
     a  �Merchant�)  available  to  Cardholders.  You  can  find  information  about  current  Offers  on  the  More  Program  website  (currently  located  at 
     https://morerewards.creditonebank.com/ and operated by Figg). You may also receive information about current Offers via email. In order to use an 
     Offer and receive its associated benefit, you must complete a purchase transaction with your Card that meets the particular terms and conditions of 
     the Offer (�Qualifying Purchase�).  
      
     Earning More Cash Back Rewards: You earn cash back rewards in the form of a statement credit equal to the amount of the discount or other benefit 
     provided in the applicable Offer of the Net Purchase (defined below) for each Qualifying Purchase. We will post a statement credit to your Account 
     within 90 days after the date of the Qualifying Purchase associated with each Offer. If your Account is in default, as defined in your Card Agreement, 
     at the time the credit is to be posted, you WILL NOT receive the credit. All disputes related to the More Program statement credits must be reported to 
     Credit  One  Bank customer service within 180 days of the Qualifying Purchase. We reserve the right to finally determine all disputes and you 
     acknowledge that all such determinations are final and binding. �Net Purchases� are Qualifying Purchases minus any returns, disputed charges, 
     unauthorized charges, illegal or fraudulent charges, or other credits for such Qualifying Purchases.  
      
     More Program Restrictions: Statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be 
     required to pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for otherwise 
     Qualifying Purchases made while your Account is in default as defined in your Card Agreement. The More Program excludes Accounts already enrolled 
     in another card-linked rewards program. If you have more than one Card, each Qualifying Purchase will only be applied to the Card Account used to 
     complete each applicable Qualifying Purchase. Merchants may have agreed to pay the More Program certain operating or marketing fees when 
     Cardholders purchase goods or services using their Card from such Merchants through the More Program.  
      
     Notifications and Other Communications: We may from time to time send automatic notifications and other communications to Cardholders relating 
     to the More Program as provided in the Card Agreement. Cardholders are responsible for any service provider charges that may resu lt from such 
     notifications and other communications.  
      
     Changes: The More Program may be changed (added to, modified,  or deleted) by us at any time. We will give you prior notice to the extent required 
     by  law.  The  current  version  of  the  Credit   One   Bank  More  Cash  Back  Rewards  Program  Supplement  may  be  found  at 
     www.CreditOneBank.com/assets/pdf/moreterms.pdf. Any revisions may affect your ability to earn rewards. Each Merchant reserves the right to change, 
     at any time and without notice, the amount or percentage of any cash back rewards Offer as well as the terms and conditions of any Qualifying 
     Purchase.  
      
     Termination: We may suspend or terminate the More Program or your participation in the More Program at any time without prior notice. In such 
     event, we will evaluate your Account for any eligible rewards as of the More Program termination date. Provided that you meet all of the More Program 
     requirements listed above as well as all requirements in each applicable Offer, you will receive a distribution of the rewards earned during the current 
     billing period in the form of a statement credit.  
      
     Limited Liability: Unless otherwise required by law, the More Program, or our Card Agreement with you, we will not be liable to you or anyone making 
     a claim on your behalf, in connection to: (1) any change or termination of the More Program; (2) any loss, damage, expense, or inconvenience caused 
     by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; 
     (4) any merchandise or services you purchase; (5) the business practices and policies of Merchants; or (6) for any direct, indirect, or consequential 
     damages with respect to the use of your Account. In any event, any liability that Credit One Bank and Figg may have to you in connection with the 
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     More Program shall be limited to the amount of any rewards you have earned in the More Program. The More Program and rewards are void or limited 
     where prohibited or restricted, respectively, by federal, state, or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  04/22       D260 
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      Back to Top
     D291                          CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $95 
      Transaction Fees 
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late
                                           1 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
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     Features and Use of Your Account  
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
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     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
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     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
       
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
                                           6 
      
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
                                           7 
      
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
      
                                           8 
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of 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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     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplemen ts the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus 
     returns, refunds, disputed charges and fraudulent transactions (�Net Eligible Purchases�), as follows: 
      
        �  5% cash back rewards on eligible gas, grocery, mobile phone service, and internet,  cable and satellite TV service purchases for the first 
           $5,000  per calendar year in eligible gas, grocery, mobile phone service, and internet, cable and satellite  TV service purchases,  and then 
           1% thereafter. 
      
           ?  Certain Non-Eligible Purchases.  You will only earn 1% cash back rewards, not 5%, for: 
                ?  Any purchase at a warehouse club (including but not limited to Sam�s Club and Costco); 
                ?  Groceries purchased at stores that sell groceries and other products like drugstores and convenience stores or at smaller 
                  stores like bakeries, candy, nut or confection stores; 
                ?  Purchases for oil or propane or at home heating companies; and 
                ?  Purchases made with PayPal or at a discount supercenter (including but not limited to Wal-Mart and Target). 
      
        �  1% cash back rewards on all other purchases, including, the non-eligible purchases listed above. 
      
     You do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other 
     charges.  We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with 
     your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at 
     the time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value. 
      
     Merchant Categories:  Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�  procedures  based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories.  However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, purchases with that merchant won�t qualify for cash back rewards on purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one 
           location may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases 
           from the same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of eligible and non-eligible purchase at any time without notice. We will give you prior notice to the extent required by law. Any revisions may affect 
     your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
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     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, 
     by federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D291 
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     Back to Top
     D299                          CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
                           24.74%
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate.
                           24.74%
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
      Transaction Fees 
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late
                                           1 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
                                           2 
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
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     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
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     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
      
      
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
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     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
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     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
     In your letter, give us the following information:  
        �  Account information: Your name and Account number.  
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        �  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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of 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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     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 2% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible Code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location 
           may submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the 
           same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline, 
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores), 
        �  mobile phone service, and 
        �  internet, cable and satellite TV service. 
      
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies, 
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required 
     to pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases 
     made while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit 
     One Bank cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of 
     a statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making 
     a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused 
                                          10 
      
     by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be 
     your responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of 
     your Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any 
     cash back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, 
     respectively, by federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D299 
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     Back to Top
      
     D300                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE 
      (APR) for Purchases   23.99% 
      ANNUAL PERCENTAGE RATE 
                           23.99% 
      (APR) for Balance Transfers 
      ANNUAL PERCENTAGE RATE 
                           23.99% 
      (APR) for Cash Advances 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $75 for the first year. After that $75 annually ($6.25 per month). 
                            
      Transaction Fees      
      � Balance Transfer   Either $7 or 4% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
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     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR corresponds to a monthly periodic rate of 1.99917%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     Military Lending Act Protections 
      
     Covered Borrower: A Covered Borrower is a consumer who is entitled to the Limitations on Terms of Consumer Credit Extended to Service 
     Members and Dependents pursuant to a determination made in accordance with 32 C.F.R. 232.5(b). 
        
     Compliance with the Military Lending Act: This Agreement shall be interpreted to comply with the Military Lending Act, including its restrictions on 
     permissible loan terms and limitations on interest and fees. As a Covered Borrower: (a) the arbitration provision shall not apply to you, (b) the Duplicate 
     Statement Fee, the Sales Slip Request Fee, and the Replacement Card Fee shall not apply to you, and (c) any other provision of this Agreement that 
     is inconsistent with the Military Lending Act shall not apply to you. 
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
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     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
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     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of $0 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $0 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of $0 may be charged to your Account.  
      
      
       
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     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
                                           5 
      
      
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
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     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
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     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
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     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
       
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     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
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     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     Bank cash back rewards program. 
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  04/22      D300 
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     Back to Top
     D301                          CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
      Transaction Fees 
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late
                                           1 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
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     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
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     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
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     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
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     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
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     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
        �  Account information: Your name and Account number.  
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        �  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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
      
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     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     Any revisions may affect your ability to earn cash back rewards.  
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D301 
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     D302 
                                   CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $75 for the first year.  After that $99 annually ($8.25 per month). 
      Transaction Fees 
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
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     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce 
     the amount of your available credit.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
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     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
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     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
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     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
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     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
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     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
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     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
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     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate the company that sold you the goods or services.)  
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     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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable network�s procedures based on the kinds of products and services they primarily sell. We group similar merchant codes 
     into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
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     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.            06/22    D302 
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      Back to Top
     D303                          CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
      Transaction Fees 
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
                                           1 
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
                                           2 
      
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
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     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
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     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
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     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
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     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
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     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
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     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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.  
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     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
     Rewards Program Supplement 
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law.  
     Any revisions may affect your ability to earn cash back rewards.  
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D303 
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     D304                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE 
      (APR) for Purchases   23.99% 
      ANNUAL PERCENTAGE RATE 
                           23.99% 
      (APR) for Balance Transfers 
      ANNUAL PERCENTAGE RATE 
                           23.99% 
      (APR) for Cash Advances 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $7 or 4% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
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     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR corresponds to a monthly periodic rate of 1.99917%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     Military Lending Act Protections 
      
     Covered Borrower: A Covered Borrower is a consumer who is entitled to the Limitations on Terms of Consumer Credit Extended to Service 
     Members and Dependents pursuant to a determination made in accordance with 32 C.F.R. 232.5(b). 
        
     Compliance with the Military Lending Act: This Agreement shall be interpreted to comply with the Military Lending Act, including its restrictions on 
     permissible loan terms and limitations on interest and fees. As a Covered Borrower: (a) the arbitration provision shall not apply to you, (b) the Duplicate 
     Statement Fee, the Sales Slip Request Fee, and the Replacement Card Fee shall not apply to you, and (c) any other provision of this Agreement that 
     is inconsistent with the Military Lending Act shall not apply to you. 
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
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     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
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     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
       
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     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
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        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a co urt. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
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     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
                                           7 
      
      
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
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     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
       
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     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
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     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     Bank cash back rewards program. 
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  04/22      D304 
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     Back to Top
     D305                          CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE 
      (APR) for Purchases   23.99% 
      ANNUAL PERCENTAGE RATE 
                           23.99%
      (APR) for Balance Transfers 
      ANNUAL PERCENTAGE RATE 
                           23.99%
      (APR) for Cash Advances 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
      Transaction Fees 
      � Balance Transfer   Either $7 or 4% of the amount of each Balance Transfer, whichever is greater. 
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late
                                           1 
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR corresponds to a monthly periodic rate of 1.99917%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     Military Lending Act Protections 
      
     Covered Borrower: A Covered Borrower is a consumer who is entitled to the Limitations on Terms of Consumer Credit Extended to Service 
     Members and Dependents pursuant to a determination made in accordance with 32 C.F.R. 232.5(b). 
        
     Compliance with the Military Lending Act: This Agreement shall be interpreted to comply with the Military Lending Act, including its restrictions on 
     permissible loan terms and limitations on interest and fees. As a Covered Borrower: (a) the arbitration provision shall not apply to you, (b) the Duplicate 
     Statement Fee, the Sales Slip Request Fee, and the Replacement Card Fee shall not apply to you, and (c) any other provision of this Agreement that 
     is inconsistent with the Military Lending Act shall not apply to you. 
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
                                           2 
      
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
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     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
      
       
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     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
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        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a co urt. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
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     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
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     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
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     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 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.  
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     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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own
        or operate 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 Billing Inquiries address shown on your 
     statement.  
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
     Rewards Program Supplement 
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     Any revisions may affect your ability to earn cash back rewards.  
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or re stricted, respectively, by 
     federal, state or local law. 
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  04/22      D305 
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     Back to Top
     D306                          CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE 
      (APR) for Purchases   23.99% 
      ANNUAL PERCENTAGE RATE 
                           23.99%
      (APR) for Balance Transfers 
      ANNUAL PERCENTAGE RATE 
                           23.99%
      (APR) for Cash Advances 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $75 for the first year. After that $75 annually ($6.25 per month). 
      Transaction Fees 
      � Balance Transfer   Either $7 or 4% of the amount of each Balance Transfer, whichever is greater. 
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
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     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR corresponds to a monthly periodic rate of 1.99917%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     Military Lending Act Protections 
      
     Covered Borrower: A Covered Borrower is a consumer who is entitled to the Limitations on Terms of Consumer Credit Extended to Service 
     Members and Dependents pursuant to a determination made in accordance with 32 C.F.R. 232.5(b). 
        
     Compliance with the Military Lending Act: This Agreement shall be interpreted to comply with the Military Lending Act, including its restrictions on 
     permissible loan terms and limitations on interest and fees. As a Covered Borrower: (a) the arbitration provision shall not apply to you, (b) the Duplicate 
     Statement Fee, the Sales Slip Request Fee, and the Replacement Card Fee shall not apply to you, and (c) any other provision of this Agreement that 
     is inconsistent with the Military Lending Act shall not apply to you. 
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
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     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
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     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
       
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     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
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        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
                                           6 
      
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
                                           7 
      
      
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
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     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
       
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     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     Any revisions may affect your ability to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
       
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     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  04/22      D306 
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     Back to Top
      
     D307                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
                            
      Transaction Fees      
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
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     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
                                           2 
      
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
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     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
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     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
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     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
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     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
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     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
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     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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.  
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     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
     Rewards Program Supplement 
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law.  
     Any revisions may affect your ability to earn cash back rewards.  
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D307 
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     Back to Top
     D308                          CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
      Transaction Fees 
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
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     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
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     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
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     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
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     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
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     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
                                           6 
      
      
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
                                           7 
      
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
                                           8 
      
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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.  
                                           9 
      
     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
     Rewards Program Supplement 
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law.  
     Any revisions may affect your ability to earn cash back rewards.  
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D308 
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     Back to Top
     D309                          CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74%
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $49 for the first year.  After that, $99 annually ($8.25 per month). 
      Transaction Fees 
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce 
     the amount of your available credit.  
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
                                           1 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
                                           2 
      
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
                                           3 
      
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
                                           4 
      
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
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     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
                                           7 
      
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
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        �  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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
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     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services they primarily sell.  We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
      
      
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     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22    D309 
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     Back to Top
     D310                          CARD AGREEMENT 
     Pricing Summary 
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
                           24.74%
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate.
                           24.74%
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $95 
      Transaction Fees 
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
      � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      Penalty Fees 
      � Late Payment       Up to $39* 
      � Returned Payment   Up to $39** 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. 
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late
                                           1 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
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     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
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     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
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     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
      
      
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     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
                                           6 
      
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
                                           7 
      
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 Billing Inquiries address on the statement.  
     In your letter, give us the following information:  
        �  Account information: Your name and Account number.  
                                           8 
      
        �  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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement 
      
     This document (�Supplement�) describes the terms and conditions of the Credit One Bank Best Friends�  Cash Back Rewards Program (�Program�) 
     and supplements the Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, 
     you agree to participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, 
     and this Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this 
     Supplement controls. 
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     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus 
     returns, refunds, disputed charges and fraudulent transactions (�Net Eligible Purchases�), as follows: 
      
        �  5% cash back rewards on eligible pet shop and pet food and supply store purchases for the first $5,000 per calendar year in eligible pet shop 
           and pet food and supply store purchases, and then 1% thereafter. 
      
        �  1% Cash Back rewards on all other purchases, including the following: 
             o  Pet grooming, unless an ancillary service at a pet shop or pet food and supplies store;   
             o  Pet sitting and boarding, unless an ancillary service at a pet shop or pet food and supplies store;  
             o  Veterinary services; and 
             o  Purchases made with PayPal, purchases at a discount supercenter (including but not limited to Wal-Mart and Target), or purchases 
                at warehouse clubs (including but not limited to Sam�s Club and Costco).  
         
     You do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other 
     charges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made 
     with your Account from the 27th of the previous month to the 26th of the current month.  If your Account is in default, as defined in your Card 
     Agreement, at the time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes.  Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, purchases with that merchant won�t qualify for cash back rewards on purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one 
           location may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases 
           from the same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     Bank cash back rewards program. 
      
     Changes: The Program, including without limitation, eligible purchases, may be changed (added to, modified or deleted) by us at any time without 
     notice. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, 
     by federal, state or local law. 
      
       
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     Best Friends Animal Society and any associated logos are trademarks of Best Friends Animal Society, and are used under license by Credit One 
     Bank. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  06/22       D310 
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      Back to Top
      
     D312                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.74% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 2.06167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates.  A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
                                           2 
      
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
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     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
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     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
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     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
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     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
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     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
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     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 Billing Inquiries address on the statement.  
      
     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 the amount in question, or report you as delinquent on that amount.  
        �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        �  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 Billing Inquiries address shown on your 
     statement.  
      
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     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Rewards Program Supplement  
     This Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible Code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location 
           may submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the 
           same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category. 
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline, 
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores), 
        �  dining (dining Purchases do not include Purchases at stores like bakeries, candy, nut of confections stores), 
        �  mobile phone service, and 
        �  internet, cable and satellite TV service. 
      
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies, 
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     Bank cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
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     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, 
     by federal, state or local law. 
     � 2022 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank� and corresponding logos are federally registered trademarks.  06/22      D312 
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