These documents are being provided to you for informational purposes only. There are two parts to our Cardholder 
Agreement: The Pricing Information Addendum and the Cardholder Agreement. The Pricing Information Addendum 
shows a range of terms that may be offered on new accounts. The terms that apply to you will differ depending on 
your specific card offer. The Cardholder Agreement contains important information related to consumer credit cards 
issued by The Bank of Missouri. Pricing is accurate as of March 2020. 

PRICING INFORMATION ADDENDUM 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) for 
Purchases 

22.74% - 36%, based on your creditworthiness. 

APR tor Cash Advances 

25.74% - 36%, based on your creditworthiness. 

APR for Balance Transfers 

25.74% - 36%, based on your creditworthiness. 

Penalty APR 

Paying Interest 

None 

Your due date is at least 25 days after the close of each billing cycle. We will 
not charge you 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 on the transaction date. 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

To learn more about factors to consider when applying for or using a 
credit card, visit the website of the Consumer Financial Protection 
Bureau at www.consumerfinance.gov/learnmore. 

Fees 

. Annual Fee 
. Account Maintenance Fee 

Transaction Fees 

. Balance Transfer 
. Cash Advance 

. Foreign Transaction 

Penalty Fees 

. Late Payment 
. Returned Payment 

$49.00 to $175.00; after that $0 to $49.00 annually. 

$60 to $159 annually billed at $5.00 to $12.50 per month after the first year. 

3.0% of the amount of each transfer after the first year. 

Either $5.00 or 5.0% of the amount of each cash advance, whichever is 
greater. 

3.00% of each transaction amount in U.S. dollars. 

Up to the maximum fee permitted under Section 12 C. F. R. 1026.52(b)(1)(ii) ($40 as of 
January 1, 2020). See monthly statement for current fee. 

Up to the maximum fee permitted under Section 12 C. F. R. 1026.52(b)(1)(ii) ($40 as of 
January 1, 2020). See monthly statement for current fee. 

How We Will Calculate Your Balance: We use a method called "average daily balance (including 
current transactions)." See the additional terms and conditions in your Cardholder Agreement for more 
details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in 
the additional terms and conditions in your Cardholder Agreement. 

Variable Rate: If you have a variable rate APR, your APR will be calculated by adding a Margin of 
17.49% to 30.75% to the Prime Rate (the index rate). Variable rate APRs will vary with the market 
based on the Prime Rate. As of August 2019, the Prime Rate (as defined in your Cardholder 
Agreement) was 5.25%. 

Fixed Rate: If you have a fixed rate APR, your APR will not vary with the  market. 

Authorized User Fee: Will impose a fee of $25 for each Authorized User that you name. The fee will be 
imposed annually for each authorized user. 

Required Minimum Payment Calculation: (a) Greater of (i) 1% of your outstanding balance at the 
end of a billing cycle or (ii) $25.00, plus (b) current interest and fees, plus (c) the greater of (i) any 
past due or (ii) any amount by which your balance at the end of a billing cycle exceeds your credit 
limit (see Cardholder Agreement for more information on your minimum payment). 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CARDHOLDER AGREEMENT 
NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT 

U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The provisions titled “Using Your Account,” “Disputed Payments-Postdated 
Checks,  Restrictive  Endorsement  Checks  and  Other  Disputed  or  Qualified  Payments,”  “Changes  in  Terms,”  “Assignment;  Transfer,” 
“Arbitration Provision” and “Billing Rights Notice” restrict or reduce your rights. 

MILITARY LENDING ACT DISCLOSURE: Federal law provides important protections to members of the Armed Forces and their dependents 
relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may 
not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated 
with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than 
certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a 
credit card account). To hear disclosures related to the Military Lending Act, please call this toll-free number: 1-866-816-6994. 

COVERED MILITARY BORROWERS: If you are a “covered borrower,” as defined under the Military Lending Act, 10 U.S.C. § 987, as amended, (i) 
the “Arbitration Provision,” (ii) any waiver of right to legal recourse under any state or federal law and (iii) any other provision in this Agreement that is 
not enforceable against you under the Military Lending Act does not apply to you so long as you are a “covered borrower.” 

GENERAL This Cardholder Agreement (“Agreement”) governs the use of your revolving credit account (your “Account”). In this Agreement and in 
your monthly billing statement (“Statement”), “we,” “us,” “our” and “Bank” refer to The Bank of Missouri, including, as applicable,  our successors, 
assignees  and  representatives.  “You,”  “your”  and  “Cardholder”  refer  to  the  person  who  applied  and  was  approved  for  the  Account  and,  as 
appropriate, all persons authorized to use the Account. “Application” refers to any (i) written or electronic application or acceptance that you signed  
or otherwise submitted for this Account or (ii) oral request for credit and a Card, resulting in this Account. “Card” refers to any credit card, Account 
number or other credit access device (including any convenience check) that we issue to you. Your Application, any Card carrier that we send with 
your  Card  and  the  accompanying  Pricing  Disclosure,  any  automatic  payment  plan  form,  any  other  written  documents  (including  any  electronic 
record)  evidencing  any  transactions  made  under  your  Account,  any  notices  that  we  send  to  you  with  your  Agreement,  any  special  credit  terms 
disclosures in the initial solicitation letter that we sent you including initial credit limit terms and any special credit terms or rewards terms separately 
or  subsequently  disclosed  to  you  in  writing,  are  part  of  and  incorporated  into  this  Agreement.  Please  read  and  keep  these  documents  for  your 
records. This Agreement begins on the earlier of (a) the date we finally approve your Application for credit or (b) the first date that we extend credit to 
you or someone authorized by you on your Account. This Agreement includes an Agreement to Arbitrate Claims (see “Arbitration Provision” 
below). Where the terms of this Agreement differ from any special terms that we offer to you in writing, the special terms offered will control, but all 
other terms of this Agreement will remain unchanged. 

ACCEPTANCE  OF  THIS  AGREEMENT  Your activation of your Card, your use of the Account, or any payment made on the Account, evidences 
your acceptance of the terms of this Agreement. In New York, this Agreement begins on the first date that you sign a sales slip or memorandum 
evidencing the purchase of goods or services. 

USING  YOUR  ACCOUNT  You  can use your Card to purchase or lease goods or services (including mail, telephone and electronic orders) from 
participating establishments (each a “Purchase”) up to any credit limit we may establish for you (your “Credit Limit”). You can also use your Card to 
obtain a cash loan (“Cash Advance”) by presenting your Card to any institution that accepts the Card for that purpose or by making a withdrawal of 
cash  at  an  ATM.    Transactions  made  with  your  Account  for  things  like  money  orders,  deposits,  wire  transfer  money  orders,  travelers  cheques,  
foreign currency and other similar transactions, will be treated as Cash Advances. From time to time, we may also permit you to obtain credit from  
us  by  making  a  payment  to  another  creditor  of  yours  (“Balance  Transfer”)  using  forms  or  other  means  provided  by  us.  Except  as  otherwise 
specifically provided in this Agreement, a Balance Transfer generally is treated as a Cash Advance, but the fees that may be imposed at the time of 
transfer may differ from those applicable to Cash Advances. You may use your Account only for personal, family, or household purposes. You may 
not use your Card or your Account for any illegal transaction or any gambling transaction. We may decline transactions for any reason, including,  
but not limited to, operational matters, default, or suspected fraudulent or unlawful activity. Transactions above a certain dollar amount may require 
authorization by us before the transaction can be approved. We will not be liable for the failure to authorize credit because of operational difficulties 
or mistakes. We may limit the number and amount of transactions approved in one day for security reasons, without any liability to you. We are not 
responsible for any losses associated with a declined transaction. 

AUTHORIZED USERS If you ask us to issue a Card to any other person and we agree to issue them a Card, they are an “Authorized User” of your 
Account and will be bound by the terms of this Agreement. We may impose a fee to issue a Card to an Authorized User as described below. See 
“FEES”  section  below.  We  may  require  certain  information  about  them  before  issuing  a  Card.  We  may  limit  their  ability  to  use  their  Card.  You 
authorize them to have access to important information about your Account including available credit so that they can use their card responsibly.  
You will be responsible for use of the Account by them and by anyone they allow to use your Account, even if you did not want, or did not agree to, 
that use. If you want to remove an Authorized User from your Account, you must contact Customer Service and request their removal. You also  
must immediately destroy all Cards in their possession and cancel any transactions that they may have set up on your Account before their removal. 
You will be responsible for transactions that they set up before they were removed even if these amounts do not appear on your Account until later. 
Authorized Users may remove themselves from your Account upon request. We reserve the right to remove them from your Account for any reason. 
To remove them from your Account, we may choose to close your existing Account and issue you a new Account and replacement Card with a new 
number. 

REWARDS Your Account may provide you with the opportunity to earn rewards. If it does, we will separately provide you with information and terms 
about the rewards. 

HONORING YOUR CARD We are not liable if a merchant, ATM or other institution does not honor your Card, or if your Card malfunctions. 

PROMISE TO PAY You agree to be bound by the terms and conditions of this Agreement. You promise to pay for all Purchases, Cash Advances, 
Balance Transfers and all other amounts owed to us under the terms of this Agreement. You promise to make all payments in U.S. dollars and to 
submit for payment of your Account only checks or other items drawn on U.S. financial institutions. 

YOUR CREDIT LIMIT You agree not to use and not to allow any Authorized User to use your Account in any way that would cause you to go over 
your Credit Limit. We may refuse to authorize or accept any transaction on your Account that would cause you to exceed your Credit Limit. We may 
establish different Credit Limits for different features of your Account in addition to a general (total) Credit Limit. If you exceed your Credit Limit, you 
must pay us the excess amount promptly. We reserve the right not to increase your available credit by the amount of any payment received, for a 

 
 
 
 
 
 
 
 
 
 
period of up to four (4) business days from the date of receipt to provide for processing and verification. Processing speeds can vary depending on 
how your payment is cleared. 

Your Account represents a continuing offer to extend further credit to you which may be withdrawn at any time. We reserve the right to change (to 
set,  increase,  decrease  or  remove)  the  Credit  Limit  for  your  Account  from  time  to  time  in  accordance  with  this  Agreement  and    applicable  law.  
Certain changes in your Credit Limit may occur without prior written notice to you and may be based upon factors including, but not limited to, anti- 
fraud  policies  and  procedures,  your  record  of  making  timely  payments  and  staying  within  your  established  Credit  Limit,  your  credit  score  and 
information contained in your credit report and your proper maintenance of any checking account used to make automatic payments, if applicable. 

If approved for an Account, your initial Credit Limit(s) will appear on your Card carrier. Your current Credit Limit(s) can be found on your Statement  
or provided upon request. We do not accept Credit Limit increase requests. 

You have the right to receive an answer to a written inquiry concerning the status of your Account. 

SPECIAL TERMS When we solicit you for an account or from time to time thereafter we may offer special terms in connection with your Account. 
These  special  terms  may  be  limited  to  certain  qualifying  transactions.  The  period  of  time  that  special  terms  may  be  available  may  be  limited. 
Information specific to any special terms will be provided at the time of offer. If you accept a qualified solicitation offer or use your Account to enter 
into a qualifying transaction, you will be deemed to have acknowledged and agreed to the special terms disclosed at the time of the offer, which 
terms may be modified or differ from the regular terms of this Agreement. No formal amendment of this Agreement will be necessary and all terms of 
this Agreement will remain applicable except those inconsistent with the disclosed special terms of the offer. If at any time you fail to comply with the 
terms of this Agreement as modified by the special terms of an offer or are otherwise in default of any obligation you owe us, then we may, in our 
sole discretion, immediately terminate any special offer terms. We will notify you of the termination of any special terms if (and as) expressly required 
by law. 

DEFAULT  Unless prohibited by applicable law, you will be in default under this Agreement if you: (i) do not make at least the Minimum Payment 
required from time to time on or before its Payment Due Date; (ii) exceed your Credit Limit without permission; (iii) tender a payment on your Account 
and your payment is returned to us unpaid or otherwise rejected for any reason; (iv) become subject to bankruptcy or insolvency proceedings; 
(v) become  subject  to  attachment  or  garnishment  proceedings;  (vi)  give  us  any  misleading,  false,  incomplete  or  incorrect  information  or  false  or 
fraudulent signature; (vii) die; or (viii) fail to comply with any term of this Agreement or any other agreement that you have with us. Subject to any 
notice of default and right to cure or other limitation of applicable law, if you are in default, we may, in addition to any other rights that we may have 
under this Agreement: (i) reduce your Credit Limit or cancel your Account; (ii) require you to pay your entire Account balance (including accrued but 
unpaid interest and any other fees and charges provided for in this Agreement) immediately; and/or (iii) bring an action to collect all amounts owed. 

You agree to pay, to the greatest extent not prohibited by law, our reasonable attorneys’ fees and any collection costs and disbursements and court 
fees related to the collection of your Account. 

CANCELLATION  We may cancel your Account, refuse to allow further transactions, offer credit on different terms or adjust the amount of credit 
available to you at any time, with or without cause, subject to applicable limitations of law. We may terminate further transactions on your Account 
without notice if you change your address to a jurisdiction in which we do not make credit available at that time. You may close your Account by 
writing to us at Account Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of this Agreement will continue to apply to any balance that 
you owe us until you have paid everything you owe, including any interest and fees due. Account cancellation may adversely affect your credit 
history. 

STATEMENTS We will send you a Statement for each monthly billing cycle in which (i) the balance of your Account (including unpaid Purchases, 
Cash Advances and any Balance Transfers, interest and other fees and charges) on the last day of that billing cycle (the “New Balance”) is greater 
than $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any other activity on your Account; or (iv) as otherwise required by applicable 
law. Your Statement will show, among other things, the total minimum payment you must make during the billing cycle (the “Minimum Payment”)  
and the date that the Minimum Payment is due (the “Payment Due Date”). 

PAYMENT REQUIREMENTS AND CREDITING 

Minimum Payment You agree to pay at least the Minimum Payment shown on your Statement by the Payment Due Date shown on the Statement. 
You may at any time pay off your entire balance in full or more than the Minimum Payment due without incurring any additional charge. 
We reserve the right to change your Minimum Payment requirement from time to time. The Minimum Payment due each month will be an amount 
equal  to  the  Required  Minimum  Payment  Calculation  disclosed  in  the  accompanying  Pricing  Disclosure.  If  your  New  Balance  is  less  than  your 
Minimum Payment, your New Balance is due in full. You may at any time make additional payments without penalty. 

Authorization Agreement for Automatic Payments If you enrolled in the Automatic Payment Plan, you acknowledge and agree to the following: 
(1) You authorize us to initiate electronic funds transfers (EFTs) by debit entries drawn on the bank account, debit or credit card you have identified 
to  us  in  your  application  for  this  Account  or  any  other  account  that  you  identify  to  us  from  time  to  time  (“Bank  Account”)  in  the  amount  of  your 
required  Minimum  Payments  or  in  any  fixed  amount  that  you  specify,  as  modified  by  you  from  time  to  time.  To  avoid  additional  charges,  in  any  
month in which any designated fixed payment amount is less than your Minimum Payment due, you understand and agree that we may deduct or 
withdraw your entire Minimum Payment rather than the designated fixed payment amount. If your New Balance is less than the fixed amount you 
designate, only the New Balance will be deducted. If you have a Deferred Interest Plan and you enroll in our Automatic Payment Plan, you  
will need to make one or more additional payments by mail or by phone to avoid interest. See Deferred Interest Balances below. You have 
the right to receive notice of all electronic fund transfers from your Bank Account that vary in amount, and by enrolling, you agree that your monthly 
statement will serve as your notice of the amount of your monthly payment. You may change the amount to be deducted or withdrawn at any time. 
Your new monthly payment will be effective within 3 business days of our receipt of your instruction. (2) We will initiate authorized EFTs each month 
on or after the Payment Due Date shown on your monthly statement. (3) You agree that in the event any debit is rejected or dishonored we may 
reinitiate  the  debit  once.  (4)  You  have  provided  us  with  all  necessary  information  for  the  Bank  Account  that  you  wish  us  to  debit  and  the  Bank 
Account  on  which  the  Automated  Clearing  House  (ACH)  debit  is  authorized,  is  a  legitimate,  open  and  active  account.  You  agree  to  notify  us  
promptly  if  this  information  changes.  (5)  The  origination  of  ACH  transactions  must  comply  with  the  provisions  of  U.S.  law.  (6)  Once  enrolled, 
automatic payments will continue until you notify us that you wish to terminate your enrollment in the Automatic Payment Plan, or until we terminate 
your enrollment. You may terminate your enrollment by calling Customer Service at the telephone number shown on your monthly statement. You 
must give any notice of termination in such a manner and sufficiently in advance to allow us and your financial institution a reasonable opportunity to 
act. We may terminate your enrollment if you fail to keep your Account or your Bank Account in  good standing. Delinquency or closure of either 
account, for any reason, may result in immediate termination of your enrollment in the Automatic Payment Plan. Also, if there are insufficient funds  
in  your  Bank  Account  to  process  any  payment,  your  enrollment  in  the  Automatic  Payment  Plan  may  be  terminated  immediately.  (7)  We  are  not 
responsible for any fees that may be charged by your depository institution as the result of your participation in the Automatic Payment Plan. (8) You 
have the right to review your accounts and to withdraw any privileges previously granted. (9) Participation in the Automatic Payment Plan is not a 
requirement of continuing credit under your Account. Enrollment in the Automatic Payment Plan is optional. 

 
 
 
 
 
 
 
 
 
 
 
Right to Stop Payment and Procedure For Doing So: If you have scheduled monthly payments through the Automatic Payment Plan, you can tell 
us to stop any of these payments by calling Customer Service at the telephone number shown on your monthly statement, by sending an e-mail to 
service@myfortiva.com or by writing to us at Customer Service--Automatic Payment Plan Department, P.O. Box 105555, Atlanta, GA 30348-5555. If 
you send us an email or write to us, your request must reach us at least 5 business days before the scheduled Payment Due Date. If you call us, we 
may require you to put your request in writing and to deliver your request to us within 14 days after you call. We may charge you a fee for each stop 
payment request that you give us. If you tell us to stop a payment at least 5 business days before the Payment Due Date and we do not stop 
payment, we will be liable for your losses or damages. 

Alternative Payment Methods If you know that we will be unable to process a scheduled automatic payment for any reason, then to avoid a late 
payment charge, you must promptly send a certified check or money order to the “Payment Address” shown on the front of your monthly statement, 
or, if offered, you may take advantage of any pay-by-phone or online payment service that we may make available to you from time to time. If you 
make an alternative payment by postal mail or by pay-by-phone or online service while you are enrolled in an Automatic Payment Plan, we may treat 
such payment as an additional payment and process your next Automatic Payment Plan payment as scheduled or may reduce your next Automatic 
Payment Plan payment by the amount of any such additional payment received 

Instructions  for  Mailed  Payments  If  you  pay  by  check  or  other  written  instrument,  all  payments,  except  disputed  amounts,  must  be  mailed  or 
delivered to us at the address for payments shown on your monthly statement. Payments received at the address on the payment coupon by 5:00 
p.m.  Central  Time,  Monday  through  Friday  (except  legal  holidays)  will  be  credited  to  your  Account  as  of  the  date  received.  Payments  must  be 
received with the payment coupon (bottom portion) of your statement in the enclosed return envelope. If payments are received at any other location 
or without your payment coupon, crediting of those payments to your Account may be delayed. 

Notice  About  Electronic  Check  Conversion.  By  providing  a  paper  check  as  payment,  you  authorize  us  to  use  information  from  your  check  to  
make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use the information from 
your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and 
you will not receive your check back from your financial institution. 

Application of Payments Subject to the requirements of applicable law, we will apply payments first to unpaid interest, fees and other charges, then 
to Cash Advance transactions in the order in which they are posted to your Account and finally to Purchase transactions in the order in which they 
are posted to your Account. We may apply payments to balances subject to special terms (including Balance Transfers, convenience checks and 
other promotions) prior to non-promotional balances. 

Disputed Payments‒Postdated Checks, Restrictive Endorsement Checks and Other Disputed or Qualified Payments You agree not to send 
us partial payments marked “paid in full,” “without recourse,” or similar language. If you send such a payment, we may accept it without losing any of 
our  rights  under  this  Agreement.  All  notices  and  written  communications  concerning  postdated  checks,  restrictive  endorsement  checks 
(including any check or other payment instrument that indicates that the payment constitutes “payment in full” of the amount owed or that 
is  tendered  with other  conditions  or  limitations  or  as  full  satisfaction of  a disputed  amount)  or  any other  disputed,  nonconf  orming  or 
qualified payments, must be mailed or delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may also accept late, 
postdated or partial payments without losing any of our rights under the credit agreement governing your Account. (A postdated check is a check 
dated later than the day it was actually presented for payment.) We are under no obligation to hold a postdated check and we reserve the right to 
process every item presented as if dated the same date received by us or our check processor unless you give us adequate notice and a reasonable 
opportunity to act on it. Except where such notice and opportunity is given, you may not hold us liable for depositing any postdated check. 

INTEREST 

Interest  When  your  Account  has  an  outstanding  balance,  we  will  assess  periodic  interest  using  a  monthly  periodic  rate  of  interest.  The  monthly 
periodic rate is determined by dividing the annual percentage rate (“APR”) by 12. Unless otherwise stated in your Pricing Disclosure, your APRs,  
and corresponding monthly periodic rates, will vary with the market based on the Prime Rate, but no APR will exceed an annual percentage rate of 
36%. See the accompanying Pricing Disclosure for the APRs and any “per transaction” interest charges applicable to your Account. Interest will be 
imposed in amounts or at rates not in excess of those permitted by law. 

Balances Subject To Interest We figure the interest charge on your Account by applying the applicable monthly periodic rate to the “average daily 
balance”  of  your  Account.  We  calculate  the  average  daily  balance  separately  for  each  type  of  balance  (e.g.,  separately  for  Purchases,  for  Cash 
Advances and for each balance subject to special terms such as Balance Transfers). For each type of balance, we take the beginning balance each 
day  (including  accrued  but  unpaid  interest  charges),  add  new  transactions  (including  purchases,  cash  advances  and  balance  transfers)  and  any 
applicable fees, and subtract the applicable portion of any payments or credits. This gives us the daily balance for each type of balance. Then, we 
add up all the daily balances for a particular type of balance for the billing cycle and divide the total by the number of days in the billing cycle. This 
gives us the “average daily balance” for that type of balance. 

When Interest Begins To Accrue, Grace Period Except as provided below, Purchases, Cash Advances and Balance Transfers begin to accrue 
interest from the date of the transaction (or, at our option, from the date they are posted to your Account) and continue to accrue interest until the 
charge is paid in full. You will have at least a 25 day grace period (“Grace Period”) on Purchases. This means you have at least 25 days from the 
closing date on your monthly statement to pay for new Purchases before we charge interest on them. However, the Grace Period will apply only in 
billing periods when (1) you paid the previous balance in full or (2) you had a previous balance of $0.00 or a credit balance. (The previous balance is 
the balance identified as the New Balance on the monthly statement for the previous billing period, subject to subsequent adjustment, as 
appropriate.) When the Grace Period applies, we will not impose interest on (1) any new Purchases if we receive payment of the appropriate full 
New Balance on the monthly statement for that billing period by the due date shown on that statement or (2) the portion of the Purchase balance 
repaid if we receive payment of only part of the New Balance by the due date. There is no time period within which you can avoid interest on 
Cash Advances or Balance Transfers. 

Deferred Interest Balances If you make a purchase under a special Deferred Interest Plan promotion, we will calculate interest for each cycle as 
described above. To avoid such interest you must pay the total purchase amount and accrued fees and charges that are subject to deferred interest 
(“Promotional Balance”) in full by the last day of the promotional period as shown in the Deferred Interest Charge Calculation notice on the front of 
your monthly statement. Making only minimum monthly payments during the promotional period will not pay off your Promotional Balance by the last 
day of the promotional period. If you do not pay your Promotional Balance in full by such date, then the interest that has accrued from the date of 
purchase through and including the last day of the promotional period (Deferred Interest Charge) will be added to your regular Purchase balance. 

 
 
 
 
 
 
 
 
 
FEES 

The following fees may be added to your Account (as a Purchase unless otherwise stated): 

Annual  Fee  If  your  Account  is  subject  to  an  Annual  Fee,  the  amount  of  the  fee  is  shown  in  the  accompanying  Pricing  Disclosure.  Annual  fees  
appear on your first monthly statement and thereafter on the anniversary date of your Account as long as your  Account is open or you have an 
outstanding balance. Annual Fees are not refundable, except as provided below or as otherwise required by applicable law.  Annual Fees reduce  
the amount of credit you have available for use. 

Account Maintenance Fee If your Account is subject an Account Maintenance Fee, the amount of the fee is disclosed in the accompanying Pricing 
Disclosure. Account Maintenance Fees are billed each month as long as your Account is open or you have an outstanding balance. Your payment  
of an Account Maintenance Fee does not affect our right to close your Account or our ability to limit transactions on your Account. 

Balance  Transfer  Fee  If  your  Account  is  subject  to  a  Balance  Transfer  Fee,  the  amount  of  the  fee  is  disclosed  in  the  accompanying  Pricing 
Disclosure. Balance Transfer Fees are charged on each Balance Transfer. This fee is deemed additional interest and will be added to your Balance 
Transfer balance. 

Cash Advance Fee If your Account is subject to a Cash Advance Fee, the amount of the fee is disclosed in the accompanying Pricing Disclosure. 
Cash Advance Fees are charged each time  you obtain a Cash  Advance. This fee is deemed additional interest and will be added to your Cash 
Advance balance. 

Foreign Transaction Fee If your Account is subject to a Foreign Transaction Fee, the amount of the fee is disclosed in the accompanying Pricing 
Disclosure.  Foreign  Transaction  Fees  are  charged  on  any  transaction  made  in  a  foreign  currency  that  is  converted  to  U.S.  Dollars.  This  fee  is 
deemed additional interest and will be added to the appropriate Purchase, Cash Advance or Balance Transfer balance 

Late Payment Fee If you fail to make a timely payment, you agree to pay a Late Payment Fee in the amount disclosed in the accompanying Pricing 
Disclosure. For PR residents, you agree to pay the lesser of $15 or 5% of the payment due for payments that are over 15 days late. No Late 
Payment Fee will exceed the amount of the related missed payment. 

Returned  Payment  Fee  To  the  greatest  extent  not  prohibited  by  law,  if  any  payment  is  dishonored  or  returned,  you  agree  to  pay  a  Returned 
Payment Fee in the amount disclosed in the accompanying Pricing Disclosure. No Returned Payment Fee will exceed the amount of the refused or 
returned payment. 

Authorized  User  Fee  We will impose a fee for allowing access to another person who is not responsible for the repayment of the Account. The 
amount of the Authorized User Fee is disclosed with the accompanying Pricing Disclosure. The Authorized User Fee will be imposed annually for 
each Authorized User. Upon request, we may issue a separate Card to an Authorized User. 

REFUND OF INTEREST AND FEES We will credit all interest and fees to your Account if you close your account within 30 days of receiving your 
initial  Agreement  and  you  make  no  charges  to  your  Account.  After  such  30-day  period,  interest  and  fees  generally  are  no  longer  avoidable  or 
refundable and you will be responsible for paying all interest and fees charged to your Account. 

CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when you applied for your Account or accepted an offer and verified your eligibility for 
an Account, you agreed to receive electronic notices and disclosures in connection with your Account (whether at an electronic mail address that you 
provided in your Application, at a website that we designate or otherwise), then, to the extent not prohibited by law, we may send notices concerning 
the  availability  of  Statements  and  other  notices  and  disclosures  to  you  at  the  electronic  mail  address  that  you  provided  in  your  Application,  any 
updated  electronic  mail  address  that  you  provide  to  us  in  writing,  or  on  a  website  that  we  designate  or  otherwise,  as  mutually  agreed.  If  you 
subsequently choose to receive notices and disclosures by postal mail rather than electronically, then you agree to provide us with an updated postal 
address in a timely manner to allow us to comply with any applicable requirements of law. 

MONITORING AND RECORDING To ensure that you receive quality service, you agree that we may record all phone calls. These calls, between 
you and our representatives, are evaluated by supervisors. It is our goal to provide prompt, consistent assistance and deliver accurate information in 
a professional manner. 

COMMUNICATING  WITH YOU;  CONSENT TO  CONTACT  BY  ELECTRONIC AND OTHER MEANS  We may contact you for any lawful reason, 
including for the collection of amounts owed to us and for the offering of products or services in compliance with our Privacy Notice in effect from 
time to time. No such contact will be deemed unsolicited. To the greatest extent not prohibited by applicable law, we may (i)  contact you at any 
address or telephone number (including wireless cellular telephone, VoIP or ported landline telephone number) that you may provide to us from time 
to time; (ii) use any means of communication, including, but not limited to, postal mail, electronic mail, telephone or other technology, to reach you; 
(iii) use automatic dialing and announcing devices which may play recorded messages; and (iv) send text messages to your telephone. 

NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, TELEPHONE NUMBER OR OTHER INFORMATION You agree to notify us promptly of 
any change in your electronic mail address, your postal address, your home telephone number, place of employment or other information provided in 
your Application or otherwise provided to us from time to time, including porting a landline telephone number to a cellular number or VoIP, by writing 
to us at Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by calling us at 1-877-785-7908. 

CHANGES  IN  TERMS    We  may,  at  any  time  in  accordance  with  this  Agreement  and  subject  to  the  requirements  of  applicable  law: 
(i) terminate  this  Agreement;  (ii) terminate  your  right  to  make  future  Purchases  or  take  future  Cash  Advances  or  Balance  Transfers; 
(iii)  change  your  Credit  Limit;  or  (iv)  add  new  terms  or  delete  or  change  any  terms  and  conditions  of  this  Agreement  relating  to  your 
Account (including changing from a non-variable to a variable periodic rate, increasing any rate of interest, increasing or adding fees or 
charges, changing the method of computing the balance upon which interest is assessed or changing the date upon which interest begin 
to  accrue).  Changes  that  are  favorable  to  you  may  be  made  at  any  time  without  prior  notice.    Changes  in  terms  may  be  based  upon  
factors including, but not limited to, anti-fraud policies and procedures, your record of making timely payments and staying within your 
established  Credit  Limit  on  your  Account  with  us,  your  credit  score  and  information  contained  in  your  credit  report  and  your  proper 
maintenance of any checking account used to make your automatic payments, if applicable. 

When required by applicable law, we will provide you with written notice of a new or deleted term or change in terms and offer you the 
right to reject terms in the manner specified at the time of notice. No new term or change in the terms of this Agreement will affect your 
obligation to pay all amounts owing under this Agreement. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ASSIGNMENT; TRANSFER We may sell, assign or transfer all or any portion of your Account and all or any portion of our rights under this 
Agreement to any other person without prior notice to you. You may not sell, assign or transfer any of your rights under this Agreement. 

LOST CARDS AND UNAUTHORIZED USE Contact us immediately if you believe your Card has been lost or stolen. Telephoning is the best way to 
minimize your possible losses. If you believe that your Card has been lost or stolen, or that someone has made a Purchase on or transferred or may 
transfer money from your Account without your permission, call us at 1-877-785-7908. You will not be liable for any such unauthorized use that 
occurs after you notify us.  You may, however, be liable for such unauthorized use that occurs before you notify us.  In any case, your liability for 
such unauthorized use will not exceed $50.  Under MasterCard Rules, your liability for unauthorized MasterCard transactions on your Account is $0 
if you notify us within two (2) business days and you exercise reasonable care in safeguarding your Card from loss, theft or unauthorized use. This 
reduced liability does not apply if a PIN is used as the method of verification for a disputed transaction or you have reported two (2) or more incidents 
of unauthorized use in the immediately preceding twelve (12) month period. 

CREDIT REPORTS AND INFORMATION 

Credit  Reports  You  authorize  us  to  make  or  have  made  any  credit,  employment  or  other  investigative  inquiries  we  deem  appropriate  to  renew, 
review or collect amounts owed to us on your Account. We also may obtain follow-up credit reports on you for any lawful purpose as long as you 
have an outstanding balance. 

Notice of Information Reporting We may report information about your Account to credit bureaus. Late payments, missed payments, or other 
defaults on your Account may be reflected in your credit report. 

Information Sharing You acknowledge and agree that we may share information about you with others in accordance with our Privacy Notice (a 
copy of which we will provide to you and may be obtained from www.myfortiva.com/my-account as it is in effect from time to time). 

Notice of Inaccurate Information If you believe that we have information about you that is inaccurate or that we have reported or may report to a 
credit reporting agency information about you that is inaccurate, please notify us of the specific information that you believe is inaccurate by writing to 
us at Account Services, P.O. Box 105555, Atlanta, GA 30348-5555. 

ARBITRATION PROVISION (AGREEMENT TO ARBITRATE CLAIMS) 

Unless you are a “covered borrower,” as defined under the Military Lending Act, 10 U.S. C. § 987, as amended, and except as otherwise stated 
below, any Claim (as defined below) will be resolved by binding arbitration pursuant to (a) this Arbitration Provision and (b) the Code of Procedure of 
the  national  arbitration  organization  to  which  the  Claim  is  referred  (as  in  effect  when  the  Claim  is  filed).  Claims  will  be  referred  to  either  Judicial 
Arbitration  and  Mediation  Services  (“JAMS”)  or  the  American  Arbitration  Association  (“AAA”),  as  selected  by  the  party  electing  to  use  arbitration. 
Streamlined arbitration procedures will be used if available.  If a selection by us of one of these organizations is unacceptable to you, you have the right, 
within 30 days after you receive notice of our election, to select the other organization listed to serve as arbitration administrator. For purposes of this 
Arbitration Provision, “Claim” means any claim, dispute or controversy (whether in contract, tort, or otherwise), past, present or future, (collectively, 
"Claims") as further described below. (If for any reason a selected organization cannot, will not or ceases to serve as an arbitration administrator,  
you or we may substitute another widely recognized arbitration organization that uses a similar code of procedure and is mutually acceptable to the 
parties.) 

Right To Reject Arbitration. You may reject this Arbitration Provision. If you do so, neither you nor we will have the right to engage in 
arbitration.  Rejecting  this  Arbitration  Provision  will  have  no  effect  on  any  of  the  other  provisions  in  this  Agreement.  To  reject  this  Arbitration 
Provision, you must send us your written rejection within 60 days after we open your Account, or 60 days after any change in terms that affects this 
Arbitration Provision, to  Account  Services Dispute Resolution,  P.O. Box 105096, Atlanta, GA 30348-5096; ATTN: Consumer Credit Arbitration. In 
your letter, you must give us the following information: Name, Address and Account number. The right to reject granted here applies solely to this 
Arbitration Provision, and not to any other provision of this Agreement, or to any other agreement with us. In the event of a dispute over whether you 
have provided a timely rejection notice, you must provide proof of delivery. Neither party may elect to arbitrate an individual Claim brought in small 
claims court (or your state’s equivalent court, if any). However, if a Claim that is brought in small claims court is transferred or appealed to a different 
court, either party may elect arbitration. 

Significance  of  Arbitration;  Limitations  and  Restrictions.  IF  YOU  OR  WE  CHOOSE  TO  RESOLVE  A  CLAIM  BY  BINDING  ARBITRATION, 
NEITHER YOU NOR WE WILL HAVE THE RIGHT TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING ARBITRATED (ii) ENGAGE IN 
PRE-ARBITRATION  DISCOVERY  (THAT  IS,  THE  RIGHT  TO  OBTAIN  INFORMATION  FROM  THE  OTHER  PARTY)  TO  THE  SAME  EXTENT 
THAT  YOU  OR  WE  COULD  IN  COURT,  (iii)  PARTICIPATE  AS  A  REPRESENTATIVE  OR  MEMBER  OF  ANY  CLASS  OF  CLAIMANTS  IN  A 
CLASS ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR CONSOLIDATE 
CLAIMS OTHER THAN YOUR OWN OR OUR OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION. 
Except as set forth below, the arbitrator’s decision will be final and binding. Only a court may decide the validity of items (iii) and (iv) above.  If 
a court holds that items (iii) or (iv) are limited, invalid or unenforceable, then this entire Arbitration Provision will be null and void. You or we can 
appeal  any  such  holding.  If  a  court  holds  that  any  other  part(s)  of  this  Arbitration  Provision  (other  than  items  (iii)  and  (iv))  are  invalid,  then  the 
remaining  parts  of  this  Arbitration  Provision  will  remain  in  force.  An  arbitrator  will  decide  all  other  issues  pertaining  to  arbitrability,  validity, 
interpretation and enforceability of this Arbitration Provision. The decision of an arbitrator is as enforceable as any court order and may be subject to 
very  limited  review  by  a  court.  An  arbitrator  may  decide  a  Claim  upon  the  submission  of  documents  alone,  or  a  party  may  request  a  telephonic 
hearing  if  permitted  by  applicable  rules.  The  exchange  of  non-privileged  information  relevant  to  the  Claim,  between  the  parties,  is  permitted  and 
encouraged. Either party may submit relevant information, documents or exhibits to the arbitrator for consideration in deciding a Claim. 

Broad Meaning of “Claims.” The term "Claims" in this Arbitration Provision is to be given the broadest possible meaning and includes (by way of 
example and without limitation) Claims arising from or relating to (i) the application for or issuance of your Account, (ii) use, terms, change in terms or 
addition of terms, closing or collection of your Account or this Agreement, (iii) advertisements, promotions or oral or written statements related to  
your Account, including any Claims regarding information obtained by us from, or reported by us to, credit reporting agencies or others, (iv) Claims 
between you and our parent corporations, wholly or majority owned subsidiaries, affiliates, predecessors, successors, assigns, agents, independent 
contractors,  employees,  officers,  directors  or  representatives  arising  from  your  Account  or  this  Agreement  and  (v)  Claims  regarding  the  validity, 
enforceability or scope of this Arbitration Provision or this Agreement. 

Arbitration Procedure and Costs.  For a copy of relevant codes of procedure, to file a Claim or for other information about JAMS and AAA, write them, 
visit their web site or call them at: (i) for JAMS, 1920 Main Street, Suite 300, Irvine, CA 92614 or info@jamsadr.com, http://www.jamsadr.com, 1-800-
352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org, http://www.adr.org, 1-800-778-7879. If either party 
fails to submit to arbitration following a proper demand to do so, that party will bear the costs and expenses, including reasonable attorneys’ fees, 
incurred by the party compelling arbitration. Any physical arbitration hearing that you attend will be held in the federal judicial district where you live at 
the time the Claim is filed. The party initiating the arbitration will pay the filing fee. You may seek a waiver of the initial filing fee or any other fees 
incurred in arbitration. If you seek, but do not qualify for, a waiver, we will consider any written request by you for us to pay or reimburse you for all or 
part of such fees. Each party will pay for its respective attorneys’, experts’ and witness fees, regardless of which party prevails in the  arbitration.  A 
party  may recover any or all expenses from another party if the  arbitrator, applying applicable  law, so determines. 

 
 
 
 
 
 
 
 
to  an  arbitration  proceeding  with  JAMS,  please  visit  http://www.jamsadr.com/rules-streamlined-arbitration; 

Allocation of fees and costs relating to appeals in arbitration will be handled in the same manner. For an explanation and schedule of the fees that 
for  AAA,  visit 
apply 
http://www.adr.org/consumer_arbitration.  The  appropriate  fee  schedule  in  effect  from  time  to  time  is  hereby  incorporated  by  reference  into  this 
Arbitration Provision. The cost of arbitration may be higher or lower than the cost of bringing your Claim in court, depending upon the nature of your 
Claim and how the arbitration proceeds. Having more than one Claim and holding face-to-face hearings can increase the cost of arbitration. Again, 
neither you nor we will be permitted to arbitrate claims on a class-wide (that is, on other than an individual) basis. An arbitration proceeding can 
decide only your or our Claims. You cannot join other parties (or consolidate Claims) except with respect to persons who use your Account. 

Governing Law for Arbitration. This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and will be governed by 
the Federal Arbitration Act ("FAA"), 9 U.S.C. §§ 1 et seq., as amended, notwithstanding any other governing law provision in this Agreement. The 
arbitrator  will  apply  applicable  substantive  law  consistent  with  the  FAA  and  applicable  statutes  of  limitations  and  will  honor  claims  of  privilege 
recognized  at  law.  Judgment  upon  any  arbitration  award  may  be  entered  and  enforced,  including  without  limitation  by  garnishment,  attachment, 
foreclosure or other post-judgment remedies, in any court having jurisdiction. The arbitrator’s decision will be final and binding, except for any right  
of appeal provided by the FAA, in which case any party can appeal the award to a three-arbitrator panel administered by the selected arbitration 
administrator. The panel will reconsider de novo (that is, without deference to the ruling of the original arbitration) any aspect of the initial award 
requested by the appealing party. 

Continued  Effect  of  Arbitration  Provision.  This  Arbitration  Provision  will  continue  to  govern  any  Claims  that  may  arise  without  regard  to  any 
termination or cancellation of your Account. If any portion of this Arbitration Provision (other than the provisions prohibiting class-wide arbitration, 
joinder or consolidation) is deemed invalid or unenforceable under the FAA, it will not invalidate the remaining portions of this Arbitration Provision. If 
a  conflict  or  inconsistency  arises  between  the  code  of  procedures  of  the  selected  arbitration  administrator  and  this  Arbitration  Provision,  this 
Arbitration Provision will control. 

DELAY IN ENFORCEMENT We can delay or waive enforcing any of our rights under this Agreement or under applicable law without losing any of 
those rights or any other rights. Even if we do not enforce our rights or remedies at any one time, we may enforce them at a later time. 

SEVERABILITY  Except as otherwise expressly provided in the Arbitration Provision, if any provision of this Agreement is finally determined to be 
void  or  unenforceable  under  applicable  law,  rule  or  regulation,  all  other  provisions  of  this  Agreement  shall  still  be  valid  and  enforceable.  Certain 
provisions  of  this  Agreement  are  stated  as  being  subject  to  applicable  law.  Such  provisions  may  be  void,  unenforceable  or  inapplicable  in  some 
jurisdictions. 

ENTIRE  AGREEMENT  This  Agreement,  including  any  other  written,  oral  or  electronic  document  incorporated  into  and  made  a  part  of  this 
Agreement, is the entire agreement between you and us relating to your Account and supersedes any other prior or contemporaneous agreement 
between you and us relating to your Account. If there is any conflict between any one of these documents and this Agreement, the terms of this 
Agreement control. This Agreement may not be amended except in accordance with the other provisions of this Agreement. 

GOVERNING LAW FOR CREDIT This Agreement, and any claim, dispute or controversy (whether in contract, tort, or otherwise) at any 
time arising from or relating to this Agreement, are governed by and construed in accordance with applicable federal law and, to the 
extent not preempted by federal law, the laws of Missouri (without regard to internal principles of conflict of laws), except that the 
arbitration provision is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1 et seq. The legality, enforceability and interpretation of this 
Agreement and the amounts contracted for, charged and reserved under this Agreement will be governed by such laws. We extend credit 
pursuant to Section 408.145 of the Missouri Revised Statutes. You agree that this Agreement is made, executed and delivered in Missouri 
and that we make all credit decisions, open all accounts and issue all proceeds from, impose all fees and charges in and receive all 
payments from you, in our offices in Missouri. To the extent not preempted by federal law or subject to Missouri law, for purposes of state 
law compliance, we have elected Section 12-103(a)(1) of the Interest and Usury statute and the Revolving Credit Accounts statute in 
Maryland (Md. Com. Law Code § 12-103(a)(1) and §§ 12-501 et seq.). 

YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY FILLED-IN, LEGIBLE 
COPY OF THIS AGREEMENT, HAVE READ IT AND AGREE TO ITS TERMS. 

NOTICE TO THE BUYER 

1. DO NOT SIGN THIS AGREEMENT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK SPACES.  

2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED IN COPY OF THE AGREEMENT YOU SIGN.  

3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL AMOUNT DUE. 

CA RESIDENTS: Interest is compounded on unpaid amounts. 

MD RESIDENTS: You have the right under Section 12-510 of the Commercial Law Code to receive an answer to your 
written inquiry regarding the status of your account. 

MO RESIDENTS: Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt 
including promises to extend or renew such debt are not enforceable. To protect you (borrower) and us (creditor) from misunderstanding 
or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive 
statement of the agreement between us, except as we may later agree in writing to modify it. 

NH RESIDENTS: This Agreement provides for reasonable attorneys’ fees to be awarded to us in an action against you involving this Agreement. 
Reasonable attorney's fees will be awarded to you if you prevail in any action, suit or proceeding brought by us; or an action brought by you. If you 
successfully assert a partial defense or set-off, recoupment or counterclaim to an action brought by us the court may withhold from us the entire 
amount or such portion of the attorney fees as the court considers equitable. 

NJ RESIDENTS: Because certain provisions of this agreement are subject to applicable law, they may be void, unenforceable or inapplicable in 
some jurisdictions. None of these provisions, however, is void, unenforceable or inapplicable in New Jersey. 

NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT 

WI RESIDENTS: No provision of a marital property agreement, a unilateral statement under section 766.59 or a court decree und er section 
786.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the 
agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. 

BUYER/CARDHOLDER Your name and address, our name and address and the date on any Application or any other document or record you sign 
in connection with your Account are incorporated here and made a part of this Agreement and represent your name and address, our name and 

 
 
 
 
 
 
 
 
 
 
 
 
address, and the date on this Agreement. An electronic record of your request for or acceptance of an Account or the consummation of a sales 
transaction under this Agreement can represent your signature on this Agreement. 

CREDITOR /s/ THE BANK OF MISSOURI, ST. ROBERT, MO 

Rev. Date: March 2020 

BILLING RIGHTS NOTICE 

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: 

Account Services Dispute Resolution 
P.O. Box 105374 
Atlanta, GA  30348-5374 

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: 

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

•  We cannot try to collect the amount in question, or report you as delinquent 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 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: 

Account Services Dispute Resolution 
105374 
P.O. 
Atlanta, GA  30348-5374 

Box 

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.