TCM Bank, N.A. Cardholder Agreement - Effective:  December 10, 2014 

This Cardholder Agreement  (“Agreement”),  the card carrier we send with your credit card, the accompanying  sheet en- 
titled “Account Opening Disclosure” and the application you signed or otherwise submitted (collectively, the “Cardholder 
Documents”) govern the use of your TCM Bank, N.A. VISA® or MasterCard® credit card (“Card”) account (your “Ac- 
count”). All of the Cardholder Documents are part of and are incorporated into this Agreement. By signing (including by 
any electronic  or digital signature)  your Card, your Account application,  any accepted  sales slip, or any other document 
in connection with the use of your Card or your Account, or by using your Card or allowing someone else to use it, you 
agree to the terms and conditions  of this Agreement.   Please read this Agreement  thoroughly  and retain a copy for your 
records. As used in this Agreement:  we, us, our, and similar terms mean TCM Bank, N.A., and all of its respective  par- 
ents, wholly or majority owned subsidiaries,  affiliates, predecessors,  successors,  assigns, employees,  officers, and direc- 
tors (collectively,  “TCM”). The words you, yours, and Cardholder mean all persons responsible  for complying  with this 
Agreement,  including  the applicant  and any co-applicant  who applied  to open  the Account  and the person to whom  we 
address Account statements. Since you asked us to open the Account, you are the “Primary Cardholder,” and you will have 
an Account with us. You may request that we issue a Card to another person and, if we do, that person will be called an 
“Additional Cardholder” on your Account and the Card will be an “Additional Card.” 

This Agreement is governed by federal law and, to the extent not preempted by federal law, by Florida law. 

Use of the Card. You may use the Card to obtain legal goods and services from any person or establishment  accepting 
the Card (“Purchase(s)”), to obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to 
take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include Purchases and 
Balance Transfers, and the term “Cash Advances”  will include; a) Cash Advances, b) Convenience  Checks, c) obtaining 
funds through an automated  teller machine (ATM) or a financial institution,  d) purchasing  a wire transfer,  money order, 
foreign  currency,  travelers  cheques,  or  stored  value  load,  or  e)  engaging  in  another  similar  transaction. As  used  in  this 
Agreement, all amounts charged to an Account, which include the Annual Card fee, if any, or other fees, and any Finance 
Charges imposed under the Agreement,  will be called “Charges”.  Charges include (but are not limited to) any Purchase, 
Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless 
of whether you have signed a charge form. 

You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree 
to notify us at once if the Card or any Convenience  Checks  we may issue on your Account  are lost or stolen,  or if you 
suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and 
services. Cards may not be used for gambling purposes, whether online or otherwise. If you do use your Card for illegal 
purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will 
be liable to us for all Charges relating to such transactions and all other transactions on your Account.  You should not use 
the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and 
destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. 

Transfers:  You  may  not  transfer  your Account  or  any  of  your  rights  and  obligations  under  this Agreement. Any  such 
transfer will be void. 

Additional  Cards: You,  as  the  Primary  Cardholder,  are  responsible  for  all  Charges  on  your Account. Any Additional 
Cards may be canceled by you or by us. You  agree  to  make  sure  that  any Additional  Cards  issued  on  your Account 
are  used  in  a  manner  consistent  with  this Agreement. You  also  authorize  us to discuss  your Account with Additional 
Cardholders  in the course of maintaining  your Account. We may, in our sole discretion,  pursue Additional  Cardholders  for 
payment of their own Charges if you fail to pay those Charges. 

Credit Limit: We have provided you a separate written notice stating the credit limit for Purchases on your account.  In ad- 
dition, your monthly statements  will show  the amount  of credit available  to you for Purchases  and for Cash Advances 
and  the ANNUAL PERCENTAGE  RATES  (APRs)  for  Purchases  and  for  Cash Advances,  as of the monthly  state- 
ment  date. You  agree  not to use the Account in any way that would make the unpaid balance of your Account exceed the 
applicable credit limit. We will not honor any Card transaction that would cause the unpaid balance of your Account to exceed 
applicable credit limits (“Over Limit Transactions”). However, if we, in our discretion, honor any Over Limit Transaction, you 
agree to promptly pay the amount that is in excess of the applicable credit limit. At our discretion, and subject to applicable 
law, we may increase, reduce, or cancel your credit line or the balance transfer portion or cash advance portion of your credit 
line, at any time. A change to your credit line does not affect your obligation to pay us. 

Promotional Offers:  At our discretion, we may offer you a promotional ANNUAL PERCENTAGE RATE for all or a part of 

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Cardholder Agreement 

 
 
 
 
 
 
 
 
 
 
any  balances  or for  certain  types  of transactions.  The  period  of  time  for  which  the  promotional  rate  applies  may  be 
limited. Any applicable promotional rate, the corresponding periodic rates, and the period of time during which it will be in 
effect will appear on the Account Opening Disclosure  or be included on a promotional  letter. Any promotional rate offer 
will be subject to the terms of the offer and this Agreement. 

Renewal of Cards and Cancellation: The Card will be valid within the period embossed on the Card. We will issue you 
renewal or replacement Cards before the current Card expires unless your Account is cancelled by you or by us. 

Liability for Charges and Finance Charges: You may use the Card to obtain Purchase(s) and Cash Advance(s) from 
us up to the applicable  limits on your Account. You are liable to us for all Charges  you  make and all Charges  made by 
holders of any Cards and Additional Cards issued to you. Additional Cardholders using a Primary Cardholder’s Account 
are not liable for obligations incurred by the Primary Cardholder or by other Additional Cardholders.   However, by each 
use of the Additional Card, the Additional Cardholder will be indicating his or her agreement to pay us for that transaction 
and related Charges if you fail or refuse to pay that obligation. 

Payments:  Each month’s Total Minimum  Payment  for your Account is due by the Payment  Due Date on your monthly 
statement. The Total Minimum Payment will include any amount past due. You must pay us in U.S. currency, with a draft 
or a check  drawn  on a U.S.  bank  and payable  in U.S.  dollars,  with  a negotiable  instrument  payable  in U.S.  dollars  and 
clearable through the U.S. banking system, or with a telephonic or electronic payment authorization in U.S. Funds. If we 
decide to accept a payment made in some other form, your payment will not be credited until it is converted into one of 
the forms described in the previous sentence. We may charge you any costs we incur in converting your payment. If any 
payment  made  on your Account  is not  honored  for  its full  amount  or because  of an incorrect  account  number,  we  may 
charge your Account a Late Payment Fee or a Returned Check Fee to cover collection costs on that payment in addition 
to any other applicable fees. We may accept late payments, partial payments, or any payments marked as being payment 
in full or as being settlement of any dispute without losing any of our rights under this Agreement or under the law. Our 
acceptance  of such payments  does not mean we agree to change  this Agreement  in any way. You agree to pay all court 
costs plus all reasonable attorney’s fees if we must refer your Account to any attorney who is not our employee,  subject 
to the law of your jurisdiction. 

Monthly  Statement  – Total Minimum  Payment:  The Total Minimum  Payment  required  is the new balance  shown on 
your monthly billing statement if the amount is equal to or less than $15.00. Otherwise, it is the greater of: (A) 3.0% of 
the New Balance (rounded up to the nearest dollar), (B) $15.00, or (C) 1% of the New Balance (rounded up to the nearest 
dollar) plus any unpaid FINANCE CHARGES and unpaid fees. If applicable, the Total Minimum Payment will include 
any amount in excess of your credit limit and any amount past due. You may pay more than the Total Minimum Payment 
or  you  may  pay  the  total  New  Balance  at  any  time. Your  Total  Minimum  Payment  will  be  applied  in  any  order  at  our 
discretion. Payments in excess of the Total Minimum Payment will be applied to balances with the highest APR first and 
then to lower rate balances in descending order of APRs. 

How to Avoid Payment of Finance Charges for Purchases: 

Grace  Period  for  Purchases  (including  Balance  Transfers):   To  get  a  grace  period  on  purchases,  you  must  pay  the 
new balance in full by the due date each billing period.   If you do not, you will accrue INTEREST  CHARGES  on all 
Purchases from the date the Purchase is posted to your Account.  The grace period is not less than 25 days. 

Grace Period for Cash Advances  (including  Convenience  Checks  and other charges  defined on page  1): On Cash 
Advances  there is no grace period, and FINANCE  CHARGES  on Cash Advances are always assessed from the day of 
the Cash Advance transaction or the first day of the billing cycle in which it is posted to your account, whichever is later, 
until the day we receive payment in full of all outstanding Cash Advances. 

Calculation of Monthly Periodic Rate: 
A. The Monthly Periodic Rates for Purchases and Cash Advances are based on ANNUAL PERCENTAGE  RATES for 
Purchases  and Cash Advances,  respectively,  which  may  be adjusted  monthly.  The Monthly  Periodic  Rate for Purchases 
and Cash Advances for each billing period is 1/12th of the ANNUAL PERCENTAGE  RATE for Purchases and 1/12th 
of the ANNUAL PERCENTAGE RATE for Cash Advances respectively in effect for that billing period, rounded to the 
nearest ten thousandth of a percentage point. 

B. The Account Opening  Disclosure  states the ANNUAL PERCENTAGE  RATES applicable  to your Account,  subject 
to Paragraph C below. Please call us at (800) 883-0131 or write to us at TCM Bank, PO Box 31537, Tampa, FL 33633, 
if you did not receive the Account Opening Disclosure or to learn the most current ANNUAL PERCENTAGE RATES. 

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Cardholder Agreement 

 
 
 
 
 
 
 
 
 
 
 
C.  For  purposes  of  this Agreement,  the  Prime  Rate  used  to  determine  your  ANNUAL  PERCENTAGE  RATES  for  a 
billing period is the U.S. Prime Rate published in The Wall Street Journal on the 1st day (or if the 1st day is not a business 
day, the preceding business day) of the prior month. Your APR will increase if the Prime Rate increases. Your minimum 
payment and/or number of payments will increase if your APR increases. In the event that The Wall Street Journal ceases 
to be published or ceases to publish the Prime Rate, we may refer to the Prime Rate published in any other newspaper of 
general circulation in New York, New York, or we may substitute a similar reference rate at our sole discretion.  Subject 
to applicable law, any balances transferred from another account to this Account shall be governed by the terms 
and conditions of this Agreement. 

Finance Charge Calculation Method and Computation of Average Daily Balance Subject to Finance Charge. 

How Will We Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 

• We  calculate  periodic  rate  finance charges  separately  for  each  type  of  balance  (e.g.  Purchases  and  Cash Advances  as 
defined on Page 1). For a billing period, we figure a portion of the FINANCE CHARGE  on your Account by applying 
the monthly Periodic Rate to the respective  “average daily balances”  of the Purchases and/or Cash Advances  (including 
current transactions). There is a $1.00 minimum FINANCE CHARGE when a FINANCE CHARGE is assessed. 

• To get the average daily balance for Purchases, we take the beginning balance of Purchases on your Account each day, 
add  any  new  Purchases,  and  subtract  any  payments  or  credits,  non-accruing  fees,  and  unpaid  FINANCE  CHARGES. 
This gives us the daily balance for Purchases. Then, we add up all the daily balances of Purchases for the billing period 
and divide the total by the number of days in the billing period. This gives us the average daily balance of Purchases. 

•  To  get  the  average  daily  balance  for  Cash Advances,  we  take  the  beginning  balance  of  Cash Advances  on  your Ac- 
count each  day,  add  any  new  Cash Advances,  and subtract  any  payments  or, non-accruing  fees,  and  unpaid  FINANCE 
CHARGES. This gives us the daily balance for Cash Advances. Then, we add up all the daily balances of Cash Advances 
for the billing period and divide the total by the number of days in the billing period. This gives us the average daily bal- 
ance of Cash Advances. 

• Credits received from merchants are effective as of posting date. 

• For FINANCE  CHARGE  calculation  purposes, the billing period/billing  cycle begins on the day after the Statement/ 
Closing  Date  of the previous  billing  period,  and  includes  the  Statement/Closing  Date  of  the  current  billing  period. The 
number of days in the billing period may vary. 

Transaction Fee for Cash Advances: For each Cash Advance (as defined on Page 1), we add an additional Cash Advance 
Fee of either $5 or 3% of the U.S. dollar amount of the Cash Advance, whichever is greater.  There is no maximum Cash 
Advance  Fee.   The  Cash Advance  Fee  is  a FINANCE  CHARGE.   This  Cash Advance  Fee  may  cause  the  ANNUAL 
PERCENTAGE  RATE  on  the  billing  statement  on  which  the  Cash Advance  first appears  to  exceed  the  nominal  AN- 
NUAL PERCENTAGE RATE. 

Transaction Fee for Charges Made in Foreign Countries: If you incur a Charge in a foreign currency, it may be con- 
verted into U.S. dollars. If the foreign currency is converted into U.S. dollars, the exchange rate used to convert the cur- 
rency used in an international transaction into the billing currency shall, in each instance, be either a rate selected by Visa 
or MasterCard. The conversion  may occur after the transaction  date and the conversion  rate may differ from the rate of 
exchange in effect at the time of the transaction. You agree to pay the converted amount to us in U.S. dollars. In addition, 
if a currency conversion occurs, an International Transaction Fee of 1% of the U.S. dollar amount will be applied to those 
transactions. If the foreign transaction was transacted in U.S. dollars, an International Transaction Fee of 0.8% of the U.S. 
dollar amount will be applied to those transactions. The International Transaction  Fee is a FINANCE  CHARGE.   This 
International  Fee may cause the ANNUAL PERCENTAGE  RATE on the billing statement on which the Charge  made 
in a foreign currency first appears to exceed the nominal ANNUAL PERCENTAGE RATE. 

Transaction  Fee  for Balance  Transfers:  You  may  transfer  a  balance  from  another  account  to  this Account.   For  each 
Balance Transfer, we will add an additional Balance Transfer Fee of 3% of the U.S. dollar amount of the Balance Transfer. 
There is no maximum Balance Transfer Fee. There is no Balance Transfer Fee for balance transfers made at time of initial 
application for an Account.   The Balance Transfer Fee is a FINANCE CHARGE.  The Balance Transfer Fee may cause 
the ANNUAL PERCENTAGE RATE on the billing statement on which the Balance Transfer first appears to exceed the 
nominal ANNUAL PERCENTAGE RATE. 

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Cardholder Agreement 

 
 
 
 
 
 
 
 
 
 
 
 
Default: We may consider your Account to be in default at any time if you fail to pay us any payment when it is due, if you 
attempt to borrow more than the applicable limits on your Account, if your payment is returned by your bank or financial 
institution, or if you breach any other promise or obligation under this Agreement. Subject to applicable law, we also may 
consider your Account in default at any time if any statement made by you to us in connection  with this credit program 
was false or misleading, if you breach any other promise or obligation under this Agreement or any other agreement that 
you may have with us or with any of our affiliates, or if we have any reason to believe you may not be creditworthy. Upon 
your default and subject to any limitations or requirements of applicable law, you agree to pay all other reasonable costs, 
including reasonable attorney’s fees, incurred by us (1) in collecting the balance due, including FINANCE CHARGES, 
if any, whether or not suit is brought against you, and (2) in protecting ourselves from any harm that we may suffer as a 
result of your default. We may also, upon your default, subject to applicable law, declare the entire amount of your obliga- 
tions to us immediately due and payable and suspend or cancel your Account privileges. 

Delinquency Assessments: Your Account may be considered delinquent if you fail to pay us at least the Total Minimum 
Payment  by the Payment  Due Date shown  on each monthly  statement.  If your Account remains  delinquent  at the state- 
ment closing date, subject to applicable  law, we will add a Late Payment  Fee (see #4 in Fees, below). You will only be 
charged one Late Payment Fee for any monthly Total Minimum Payment which is not paid by the Payment Due Date. 

Suspension/Cancellation: In addition to any of the actions we may take under this Agreement, we may suspend or cancel 
your Account privileges at our sole option, subject to applicable law, at any time with or without cause and without giv- 
ing you notice, including but not limited to a situation in which (1) you cease to be an account holder in good standing 
with respect to any other accounts you may have with TCM Bank, N.A., or (2) you are in default. Any such action on our 
part will not cancel your obligations to pay us the outstanding balance, Finance Charges, and other charges due on your 
Account under the terms of the Agreement in effect at the time of the cancellation  or suspension  of your account or as 
subsequently amended. You agree to pay us all such obligations despite any suspension or cancellation of your account. 
Fees: We may charge the following fees, subject to applicable law: 

1. ANNUAL FEE: The Account Opening Disclosure accompanying this Agreement states whether an annual fee applies 
to your account and, if so, the amount of the fee. 
2. RETURNED CHECKS: A fee of up to $35 will be charged for checks returned for insufficient funds or for an incor- 
rect account number. 

3. STOP PAYMENT ORDERS: If you request us to stop payment on a Convenience Check drawn on your Account, we 
may charge your  Account a fee of $29. 

4. LATE PAYMENT FEE: We will charge a late fee of up to $35. 

5. RESEARCH FEE: You agree to pay $3 for each photocopy of a sales slip you request and $4 for each duplicate copy 
of a monthly statement you request. However, we will not impose these fees if you request such items in connection with 
a billing error dispute which you have notified us of in writing. 

Insurance:  If  you  use  the Account  to  buy  insurance,  you  give  us  permission  to  pay  premiums  for  you  when  due. You 
agree to repay us according to the terms of this Agreement. You must tell us in writing if you no longer wish us to pay 
premiums for you. If your Account is canceled, we will stop paying the premiums for you. 

Waiver: Our failure to exercise any of our rights under this Agreement, or our waiver of our rights on any one occasion, 
shall not constitute a waiver of such rights on any other occasion. 

Consumer Reports: You authorize us and our affiliates to make whatever credit investigations we deem appropriate and 
to obtain and exchange any information we may receive from consumer reports and other sources. We may ask consumer- 
reporting agencies for consumer reports of your credit history. Upon request, we will tell you whether a consumer report 
was requested and the name and address of the agency that furnished it. As permitted by law, we may furnish information 
concerning your Account to consumer reporting agencies. If we determine that your account is past due, adverse credit in- 
formation may appear on your consumer report and the consumer reports of any Additional Cardholders on your  Account. 

Telephone Monitoring: From time to time, we may monitor telephone calls between you or Additional Cardholders and 
us to assure the quality of our customer service. 

Benefits and Services: We reserve the right to add, modify, or delete any benefit or service offered with the Card at any 
time without notice to you. 

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Cardholder Agreement 

 
 
 
 
 
 
 
 
 
 
 
 
 
Change of Billing Address – Notices: You must notify us immediately of any change in your billing address. Any notice 
given by us shall be deemed to be given when deposited in the United States Mail, postage prepaid, addressed to you at 
the latest billing address shown on our records. 

Change of Rates, Fees, Terms – Assignment:  We may assign Card accounts to our affiliates or to some other financial 
institution at any time. We may also change the rates, fees, and terms of this Agreement at any time, in accordance with 
applicable law. We will notify you of changes if we are required to do so by law, and you may be given the opportunity to 
reject those changes to the extent required by law or otherwise in our discretion. If you choose not to accept those changes, 
you may terminate this Agreement by notifying us in writing. However, your Account will be closed and you will remain 
responsible for all Charges made before you terminated the Agreement. 

Revocation and Voluntary Cancellation: We can revoke your right to use the Card at any time. We can do this whether 
or not you have violated this Agreement and without giving you notice. If we revoke the Card, you must return the Card 
to us if we request. Also, if a merchant that accepts Cards asks you to surrender an expired or revoked Card, you must do 
so. You may not use the Card after it has expired or after it has been revoked. If you ask us to cancel your Account, but you 
continue to use your Account after the date of cancellation, we will consider such use as your request for reinstatement of 
your Account. We may then reinstate your Account and bill you accordingly. 

Severability:   If any part of this Agreement conflicts with applicable law, that law will control, and this Agreement will 
be considered changed to the extent necessary to comply with that law.  If any part of this Agreement is determined by a 
court of valid jurisdiction to be invalid, the remainder of this Agreement will remain in effect. 

To Cardholders  in the United  States. Your Billing  Rights  – Keep This  Notice  for Future  Use. This  notice  contains 
important information 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:  TCM 
Bank, N.A., Customer Service, P.O. Box 31481, Tampa, FL 33631-3481. 

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 automatic 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. 

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Cardholder Agreement 

 
 
 
 
 
 
 
 
 
 
 
 
 
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 ten (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 organiza- 
tions know when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your 
bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good 
faith to correct the problem with merchant, you may have the right not to pay the remaining amount due on the purchase. 

To use this right, all of the following must be true: 
1. The purchase  must  have  been  made  in your  home  state or within  100 miles of your current  mailing  address,  and the 
purchase  price  must  have  been  more  than  $50. (Note:  Neither  of these  are necessary  if your  purchase  was  based  on an 
advertisement we made to you, or if we own the company that sold you the goods or services.) 

2. You must have used you 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: TCM Bank, 
N.A., Customer Service, P.O. Box 31481, Tampa, FL 33631-3481. 
While we investigate, the same rules apply to the disputed amount as discussed above.  After we finish our investigation, 
we will tell you our decision.  At that point, if we think you owe an amount and do not pay, we may report you as delin- 
quent. 

State Laws Require the Following Notices:  California Residents: A married applicant may apply for a separate account. 
After approval, each applicant shall have the right to use this account to the extent of the credit limit set by the creditor 
and each applicant may be liable for the amount extended under this account to any joint applicant.  Delaware Residents: 
Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. 
New York  Residents:   New York  residents  may  contact  the  New York  State  Banking  Department  at 1-800-518-8866  to 
obtain  a  comparative  listing  of  credit  card  rates,  fees  and  grace  periods.   Ohio  Residents:   The  Ohio  laws  against  dis- 
crimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting 
agencies maintain separate credit histories on each individual upon request.  The Ohio Civil Rights Commission  admin- 
isters compliance with this law.  Married Wisconsin Residents:  Your signature confirms that this loan obligation is being 
incurred in the interest of your marriage or family. No provision of any marital property agreement,  unilateral statement 
or court decree adversely affects a creditor’s interest unless, prior to the time the credit is granted, the creditor is furnished 
a copy of the agreement, statement or decree or has actual knowledge of the adverse provision. 

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Cardholder Agreement