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:

Cardholder Services
PO Box 182477
Columbus, OH 43218-2477

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 the 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  or  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 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. 
(Note:  Neither  of  these  are  necessary  if  your  purchase 
was based on an advertisement we mailed to you, or if we 
own the company that sold you the goods or services.)
2.  You  must  have  used  your  credit  card  for  the  purchase. 
Purchases  made  with  cash  advances  from  an  ATM  or 
with a check that accesses your credit card account do 
not qualify.

3.  You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied 
with the purchase, contact us in writing at:

Cardholder Services
PO Box 182477
Columbus, OH 43218-2477

While  we  investigate,  the  same  rules  apply  to  the  disputed 
amount as discussed above. After we finish our investigation, 
we  will  tell  you  our  decision.  At  that  point,  if  we  think  you 
owe  an  amount  and  you  do  not  pay,  we  may  report  you  as 
delinquent.

3550616

CARDHOLDER AGREEMENT

Defined terms – The following terms have defined meanings 
in  this  agreement:  “Account”  means  the  credit  Account 
regulated by this agreement, “Card” means the plastic cards 
issued under this agreement, including the numbers printed 
on these plastic cards; “we,” “us” and “our” mean the financial 
institution appearing on the face of a Card; “you” and “your” 
mean anyone who signs an application for this Account or is 
a guarantor of this Account; and “Approval Letter” means our 
letter to you approving your application and describing some 
of  the  terms  of  the  Account  (the  “Approval  Letter”  which  is 
part of the agreement).

By  signing,  using  or  activating  a  Card,  you  accept  the 
terms and conditions of this agreement and of the Approval 
Letter. If any provision of this agreement is determined to be 
unlawful, the rest of the agreement will stand and the unlawful 
provision will be deemed amended to conform to applicable 
law.  All  Cards  are  our  property  and  must  be  returned  to  us 
immediately  according  to  our  instructions,  and  we  may 
repossess a Card at any time in our sole discretion.

1.  Promise  to  pay  – You  agree  to  pay  us  the  total  amount 
of purchases, cash advances, finance charges or other fees 
or  charges  which  arise  from  use  of  a  Card  by  you  or  any 
other person, unless the other person does not have actual, 
implied, or apparent authority for such use and you receive 
no personal benefit from the use. You agree to be jointly and 
severally  liable  with  anyone  else  who  has  made  the  same 
promise.

2. Credit Limit – Your credit limit is stated on the credit card 
carrier,  as  well  as  on  your  monthly  statement. You  promise 
to  make  purchases  and  cash  advances  only  up  to  your 
credit  limit. Your  promise  to  pay  continues  to  apply  even  if 
the amount due exceeds your credit limit. Obtaining credit in 
excess of your credit limit does not increase your credit limit. 
We  can  change  your  credit  limit  at  any  time  to  any  amount 
(including zero). We will state the new credit limit on your next 
monthly statement.

3. Purchases and cash advances – You may use your Card, 
up  to  your  credit  limit,  to  buy  or  lease  goods,  services  or 
insurance  wherever  the  Card  is  honored. You  may  also  use 
your Card to get a cash advance from participating financial 
institutions.  However,  you  agree  not  to  use  your  Card  for 
any transaction that is illegal under applicable federal, state 
or  local  law,  and  you  understand  that  any  such  use  will 
constitute an event of default under this agreement. We are 
not responsible for the refusal of anyone to honor your Card.

4. Monthly Statements – We will send you a statement at the 
end of each billing cycle in which the Account has a balance. 
The due date for your payment will be 25 days after the last 
day covered by the statement.

5.  Payments  –  You  agree  to  make  the  minimum  monthly 
payments  that  are  described  in  the  Approval  Letter,  and  to 
make all payments on this Account at the address specified 

on  your  monthly  statement. We  may  accept  late  payments, 
partial payments, post-dated checks, or any form of payment 
containing  a  restrictive  endorsement,  without  losing  any  of 
our rights under this agreement. Our acceptance of checks or 
money orders labeled “payment in full” or words to that effect, 
will not constitute an accord and satisfaction nor a waiver of 
any rights we have to receive full payment.

6.  Balance  Computation  Method  – We  figure  the  interest 
charge  on  your  account  by  applying  the  periodic  rate,  as 
stated in the enclosed disclosure table, to the “average daily 
balance” of your account. To get the “average daily balance” 
we  take  the  beginning  balance  of  your  account  each  day, 
add  any  new  purchases/advances/fees,  and  subtract  any 
unpaid interest or other finance charges and any payments 
or credits. This gives us the daily balance. Then, we add up 
all the daily balances for the billing cycle and divide the total 
by the number of days in the billing cycle. This gives us the 
“average daily balance.”

7.  Cash  advance  fee  –  Cash  advances  are  subject  to  the 
cash advance fee stated in the enclosed disclosure table. The 
cash advance fee is a finance charge and is imposed on the 
date  of  the  cash  advance.  Interest  does  not  accumulate  on 
this  fee.  The  following  transactions  will  be  treated  as  cash 
advances:

11. International Transactions – When you use your Card 
for a transaction denominated in a currency other than U.S. 
dollars,  the  transaction  amount  will  be  converted  into  U.S. 
dollars  by  applying  an  exchange  rate  selected  by  the  Card 
Association  from  among  the  range  of  rates  available  in 
wholesale  currency  markets  or  the  government-mandated 
rate on the date the transaction is processed. The rate chosen 
may vary from the rate the Card Association itself receives. 
When you use your Card in a transaction outside of the United 
States to make a purchase, obtain a cash advance, obtain a 
credit voucher, or reverse any of these transactions, a finance 
charge equal to one percent of the amount of the transaction 
(expressed  as  a  positive  number)  will  be  assessed  against 
your  Account.  The  foreign  transaction  Fee  is  imposed  on 
the date of the transaction. Interest does not accrue on the 
foreign transaction fee. “Card Association” means either VISA 
international or Mastercard International.

12.  Credit  Information  –  You  authorize  us  to  investigate 
your  credit  standing  when  opening,  renewing  or  reviewing 
your  Account,  and  you  authorize  us  to  disclose  information 
regarding your Account to credit bureaus and other creditors 
who may inquire of us about your credit standing.

13.  Other  fees  – The  following  charges  will  be  charged  to 
your Account as appropriate:

•   Using  your  Card  to  obtain  cash  from  a  participating 

A. Late and returned payment fees.

Automated Teller Machine (“ATM”);

•   Using  your  Card  to  obtain  cash  from  a  participating 

financial institution;

•   Using a convenience check drawn on the Account;
•   Obtaining  money  orders, 

foreign 
travelers  checks, 
tickets,  casino  chips,  vouchers 

currency, 
redeemable for cash or similar items.

lottery 

•   Balance transfers, if identified as cash advances on your 

Approval Letter

8.  Annual  Fee  –  The  annual  fee,  if  there  is  one,  on  the 
Account is stated in the enclosed disclosure table. The annual 
fee is payable whether or not you use the Card.

9.  Liability  for  unauthorized  use  – You  may  be  liable  for 
the  unauthorized  use  of  your  Card,  whether  due  to  loss 
or  theft  of  a  Card  or  another  reason. You  will  not  be  liable 
for  unauthorized  use  that  occurs  after  you  notify  us  orally 
by  calling  1-855-320-1462  or  you  notify  us  in  writing  by 
mailing the notice to Cardholder Services, P.O. Box 182477, 
Columbus, OH 43218-2477. In any case, your liability will not 
exceed $50.

10.  Default  – You  will  be  in  default  if  you  fail  to  make  any 
minimum payment or other required payment by the date that 
it  is  due. You  also  will  be  in  default  if  you  violate  any  other 
provision  of  this  agreement  and  such  violation  materially 
impairs  the  prospect  of  you  paying  the  amount  due  on  the 
Account. Upon default, we may demand immediate payment 
of the entire amount due on the Account and we may enforce 
our right to this payment as permitted by law.

The following charges may be imposed, if applicable:
•  Late  Payment  Fee:  A  late  payment  fee,  in  the  amount 
indicated  in  the  enclosed  disclosure  table,  may  be 
imposed  if  the  required  minimum  payment  due  is  not 
received by the due date listed on the monthly periodic 
statement.

•  Returned Payment Fee: A returned payment fee, in the 
amount indicated in the enclosed disclosure table, may 
be imposed if your payment is returned for any reason.

B. Replacement Cards, copies, and special services. 

issuing 
We  may  charge  you  a  reasonable 
replacement  cards,  expediting  delivery  of  your  card,  an 
expedited payment method using a service representative, 
providing  photocopies  and  reprints  that  you  request,  and 
other special services as allowed by law.

fee 

for 

14. Amendments – We may amend or cancel this agreement 
at any time by getting your consent as provided by law or by 
giving you a notice of the amendments. Cards are property of 
the Financial Institution and must be returned at our request.

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.