Example of Credit Card Agreement for Bank of America Secured MasterCard and Visa accounts

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Example of Credit Card Agreement for Bank of America Secured MasterCard and Visa accounts"

Transcription

1 Exampe of Credit Card Agreement for Bank of America Secured MasterCard and Visa accounts This information is accurate as of December 30, This credit card program is issued and administered by FIA Card Services, N.A. MasterCard is a registered trademark of MasterCard Internationa Incorporated, and is used by the issuer pursuant to icense. Visa is a registered trademark of Visa Internationa Service Association, and is used by the issuer pursuant to icense from Visa U.S.A. Inc. Bank of America is a registered trademark of Bank of America Corporation

2 PRICING INFORMATION Actua pricing wi vary from one cardhoder to another Annua Percentage Rates for Purchases (APR=AnnuaPercentageRates) (DPR=DaiyPercentageRate) Rates based on the Prime Rate (as of 12/30/2010) Prime % to Prime % (APR) 20.24% to 20.24% (DPR) % to % Annua Percentage Rates for Baance Transfers Rates based on the Prime Rate (as of 12/30/2010) Prime % to Prime % (APR) 20.24% to 20.24% (DPR) % to % Annua Percentage Rates for Cash Advances Rates based on the Prime Rate (as of 12/30/2010) Prime % to Prime % (APR) 24.24% to 24.24% (DPR) % to % Minimum Interest Charge Transaction Fees ATM % of Transaction Baance Transfer % of Transaction Bank Cash Advance % of Transaction Cash Equivaent % of Transaction Check Cash Advance % of Transaction Direct Deposit % of Transaction Foreign Transaction % of Transaction 3% Overdraft Protection Fee $10 If you are charged interest, then the charge wi be no ess than $1.50 Wire Transfer Fee OR $10 to max: uncapped Wire Transfer % of Transaction Account Fees Annua $0 to $50 Late Fee based on Baance Up to $35 Return Payment Up to $25 Variabe Rate Information VariabeRatesarecacuatedbyaddingtogetheranindexandamargin.ThisindexisthehighestU.S.PrimeRate aspubishedinthemoneyratessectionofthewastreetjournaontheastpubicationdayofeachmonth.an increaseordecreaseintheindexwicauseacorrespondingincreaseordecreaseinyourvariaberatesonthefirst dayofyourbiingcycethatbeginsinthesamemonthinwhichtheindexispubished.anincreaseintheindex meansthatyouwipayhigherinterestchargesandhaveahighertotaminimumpaymentdue.ifthewastreet JournadoesnotpubishtheU.S.PrimeRate,orifitchangesthedefinitionoftheU.S.PrimeRate,wemay,inour soediscretion,substituteanotherindex. Grace Period/Paying Interest

3 Yourduedateisateast25daysafterthecoseofeachbiingcyce.Wewinotchargeyouanyintereston purchasesifyoupayyourentirebaancebytheduedateeachmonth.wewibegincharginginterestoncash advancesandbaancetransfersonthetransactiondate. Baance Subject to Interest Rate AverageDaiyBaanceMethod(incudingnewPurchases):WecacuateseparateBaancesSubjecttoan InterestRateforPurchasesandforeachPromotionaOfferbaanceconsistingofPurchasesby:(1)cacuatinga daiybaanceforeachdayinthecurrentbiingcyce;(2)addingathedaiybaancestogether;and(3)dividingthe sumofthedaiybaancesbythenumberofdaysinthecurrentbiingcyce.ifanyportionofanypurchasesbaance receivedagraceperiod,thatamountisnotincudedinthiscacuation. Tocacuatethedaiybaanceforeachdayinthecurrentbiingcyce,wetakethebeginningbaance,addan amountequatotheappicabedprmutipiedbythepreviousday sdaiybaance,addnewpurchases,new AccountFees,andnewTransactionFees,andsubtractappicabepaymentsandcredits.Ifanydaiybaanceisess thanzerowetreatitaszero. Wedonotincudethefeeforcreditcarddebtcanceationorcreditinsurancepurchasedthroughusincacuating thebeginningpurchasebaanceuntithefirstdayofthebiingcyceafterthebiingcyceinwhichsuchfeeis bied. AverageDaiyBaanceMethod(incudingnewBaanceTransfersandnewCashAdvances):Wecacuate separatebaancessubjecttoaninterestsrateforbaancetransfer,cashadvances,andforeachpromotiona OfferbaanceconsistingofBaanceTransfersorCashAdvancesby:(1)cacuatingadaiybaanceforeachdayin thecurrentbiingcyce;(2)cacuatingadaiybaanceforeachdaypriortothecurrentbiingcycethathada Pre-Cycebaance apre-cycebaanceisabaancetransferoracashadvancewithatransactiondateprior tothecurrentbiingcycebutwithapostingdatewithinthecurrentbiingcyce;(3)addingathedaiybaances together;and(4)dividingthesumofthedaiybaancesbythenumberofdaysinthecurrentbiingcyce. Tocacuatethedaiybaanceforeachdayinthecurrentbiingcyce,wetakethebeginningbaance,addan amountequatotheappicabedprmutipiedbythepreviousday sdaiybaance,addnewbaancetransfers, CashAdvancesandTransactionFees,andsubtractappicabepaymentsandcredits.Ifanydaiybaanceisess thanzerowetreatitaszero. TocacuateadaiybaanceforeachdaypriortothecurrentbiingcycethathadaPre-Cycebaance,wetakethe beginningbaanceattributabesoeytoapre-cycebaance(whichwibezeroonthetransactiondateassociated withthefirstpre-cycebaance),addanamountequatotheappicabedprmutipiedbythepreviousday sdaiy baance,andaddonytheappicabepre-cycebaances,andtheirreatedtransactionfees.weexcudefromthis cacuationatransactionspostedinpreviousbiingcyces.

4 CREDITCARDAGREEMENT YOURSECURITYAGREEMENTWITHUSFORYOURFULLYORPARTIALLYSECUREDCREDITCARD 1. This is the "Security Agreement." "Bank" means FIA Card Services, N.A. and its successors and assigns. "You," "your" and "yours" refer to each person signing the Appication Form who hods an interest in the Deposit Account at FIA Card Services, N.A., with each of you being referred to as a "Cardhoder". "Deposit Account" sha mean the "Deposit Account" opened pursuant to the Appication Form, as we as substitutions or renewas of that Deposit Account, which you have, by signing the Appication Form, granted to the Bank to secure the Debt (as defined beow). "Secured Card Account" means the secured credit card account to be estabished by the Bank upon receipt of the Appication Form. "Debt" means a obigations to the Bank, incuding any continuing guaranty arising from the Secured Card Account, as we as each extension, refinance or renewa of such obigations, and any expenses that the Bank incurs in enforcing your obigations under this Agreement, incuding fees for independent and/or in-house counse, where aowed by aw. No portion of Deposit Account wi be avaiabe to you or may be used to secure other oans. 2. Bank's Rights over Deposit Account. The Bank may make settements or compromises on the Deposit Account; transfer the Deposit Account to the Bank's own name; or exercise ownership rights on the Deposit Account. You waive any right to require the Bank to: (a) proceed against any Cardhoder or any other person; (b) proceed against or exhaust any security hed under this Security Agreement; or (c) pursue any other remedy in the Bank's power. The Bank may, without prior notice, and from time to time: (a) renew, compromise, extend, acceerate or otherwise change the terms reating to the Debt; (b) take and hod security (other than the Coatera Account) for payment of the Debt and enforce, exchange and reease the security in any manner that the Bank determines is proper; (c) reease or substitute any Cardhoder, guarantor, or endorser of the Debt; and (d) increase or ower the credit ine on your Secured Card Account, and no such action sha change the fact that the Deposit Account at a times wi be hed by the Bank as security for the Debt. 3. Defauts. The Bank may, without prior notice, decare you in defaut of the Debt if: (a) you fai to meet the conditions, to perform any obigation, or to make any payment under this agreement or any other agreement that you make reating to the Debt; (b) you withdraw or transfer from the Deposit Account any funds pedged under this Agreement; (c) you have given the Bank fase or miseading information or misrepresentations; (d) any Cardhoder dies; (e) any government authority takes action which the Bank beieves adversey affects your financia condition or abiity to repay the Debt; (f) any guaranty or other agreement required in connection with the Debt is vioated or ineffective; or (g) you fie a bankruptcy petition, a bankruptcy petition is fied against you, or you make a genera assignment for the benefit of creditors. If you defaut, the Bank may decare a of the Debt immediatey due and payabe. Bank may aso exercise a the rights of an owner of the Deposit Account. 4. Enforcing the Security Agreement. Upon any defaut, Bank is authorized to act as owner of the Deposit Account and to appy a or any portion to: (a) Bank case in enforcing its rights hereunder; (b) the interest and fees reating to the Debt; and (c) the principa of the Debt. Bank is irrevocaby appointed as attorney-in-fact to execute any instruments required to satisfy Debt. Bank rights stated in this Agreement are in addition to any others it has under the aw. If there is a confict regarding the security interest between this Agreement and any other agreement, this Agreement wi contro. You represent that no insovency proceeding or genera assignment for creditors is pending that woud affect the Bank security interest. If Bank waives or deays exercising a right, it does not forfeit that right or any others. You waive any defense you may have against Bank. Bank can exercise its rights against Deposit Account even if you are no onger iabe on Debt because of a statute of imitations or because of other reasons. Unti Debt is fuy repaid, and you have no further obigations under this Agreement, you wi subordinate in favor of Bank any right of subrogation and any right to enforce a remedy Bank now has or may ater have. 5. After receipt of payments on the Secured Card Account, Bank may withhod the reease of avaiabe credit equa to the amount of the payment for a period of time to ensure that sufficient funds are avaiabe. YOUR CONTRACT WITH US WereservetherighttochangethetermsofthisAgreementatanytime,asfurtherdescribedinthesectiontited: WeMayAmendThisAgreement.Thereasonswemaychangethesetermsincudethefoowing:yourriskprofiebasedon yourpaymentpatterns,transactionpatterns,baancepatterns,andutiizationevesofthisandotheraccounts,creditbureau informationincudingtheage,historyandtypeofotheraccounts,andreationshipsbetweeneachandaofthesemeasuresof risk.wemayasochangetermsforreasonsnotreatedtoyourindividuacredithistory,suchasoveraeconomicandmarket trends,productdesign,andbusinessneeds.

5 WORDS USED OFTEN IN THIS AGREEMENT Accesscheckmeansacheckweprovidetoyoutoobtaincreditonyouraccount. AgreementorCreditCardAgreementmeansthisdocumentandanychangeswemaketothisdocumentfromtimetotime. APR means the corresponding Annua Percentage Rate. The APR corresponds to the Daiy Periodic Rate (DPR) and is cacuatedbymutipyingthedprby365.interestcharges(asocaedperiodicratefinancecharges)arecacuatedbyusing thedpr. Cardmeansathecreditcardsweissuetoyouandtoanyotherpersonwithauthorizationforuseonthisaccountpursuant tothisagreement. Foreign Transaction means any transaction made in a foreign currency, and any transaction made in U.S. doars if the transactionismadeorprocessedoutsideoftheunitedstates.foreigntransactionsincude,forexampe,oninepurchasesfrom foreignmerchants. GracePeriodmeanstheperiodoftimeduringabiingcycewhenyouwinotaccrueinterestoncertaintransactionsor baances. NewBaanceTotameansthetotabiedamountasoftheCosingDateofabiingcyce,asshownonyourmonthy statement.todeterminethenewbaancetota,westartwiththetotabaanceatthebeginningofthebiingcyce,which isthepreviousbaance.thenwesubtractpaymentsandothercredits.thenweaddbaancetransfers,cashadvances, Purchases,andadjustments,feesandinterest. PayinFuorPaidinFumeanspaymentsandcreditsinabiingcycetotaingateastyourpreviousbiingcyce'sNew BaanceTota.Ingenera,PayinFumustbemadebythePaymentDueDateinordertogetaGracePeriod. PenatyAPRmeanstheAPR(s)whichmaybeappiedtoPurchases,BaanceTransfers,andCashAdvances,incertaininstances ofyourdefaut,asdescribedinthesectiontited,annuapercentagerates. PromotionaOffermeansimitedtimeintroductoryorpromotionaoffersoncertainPurchases,BaanceTransfers,orCash AdvancesatAPRsthatareowerthantheStandardAPRsforthosefeatures(PromotionaRates)andmaybesubjectto otherconditions.promotionaoffersmayasoincudeimitedtimeintroductoryorpromotionatransactionfees(promotiona Fees)whichmaybehigherorowerthanthestandardfeesprovidedinthesectiontitedTransactionFees. StandardAPRmeanstheAPR(s)normayineffectforPurchases,BaanceTransfers,andCashAdvances. We,us,our,andFIACSmeansFIACardServices,N.A.,asoknownasBankofAmerica. Youandyourmeaneachandaofthepersonswhoaregranted,acceptoruseanaccountwehod.Youandyouraso meananyotherpersonwhohasguaranteedpaymentofthisaccount,whenusedinthesectionstited,yourcontractwithus, WeMayMonitorAndRecordTeephoneCas,andwhenusedineachofthesectionsreatingtopaymentofthisaccount(e.g., YourPromiseToPay,andHowWeAocateYourPayments). OTHER TERMINOLOGY WewiusethedefinitionsdescribedunderthesectionheadingWordsUsedOftenInThisAgreementorasotherwisedefined inthisagreement.ifweuseacapitaizedterminthisdocumentbutwedonotdefinetheterminthisdocument,thetermhas themeaningasusedinyourmonthystatement. Weusesectionheadings(e.g.,WordsUsedOftenInThisAgreement)toorganizethisAgreement.Theheadingsareforreference purposesony. HOW TO USE YOUR ACCOUNT YoumayobtaincreditintheformofPurchases,BaanceTransfers,andCashAdvances,byusingcards,accesschecks,your accountnumber,orothercreditdevices.aaccesschecksincudeanexpirationdateprintedatthetop.wewihonoraccess checksreceivedforpaymentbeforetheexpirationdateprintedonthecheck,providedyouraccountisopenandingoodstanding, withavaiabecredit.accesscheckswithoutaprintedexpirationdatewinotbehonored. Purchasemeanstheuseofyourcardoraccountnumberto: 1. buy or ease goods or services; 2. buy wire transfers from a non-financia institution ("Wire Transfer Purchase"); 3. make a transaction that is not otherwise a Cash Advance. PurchaseincudesAccountFees,asweasTransactionFeesandadjustmentsassociatedwithanyPurchase.

6 BaanceTransfermeansatransferoffundstoanothercreditorinitiatedbyusatyourrequest.ABaanceTransferdoesnot incudeatransactionthatisotherwiseacashadvance.baancetransfersincudetransactionfeesandadjustmentsassociated withanybaancetransfer. CashAdvancemeanstheuseofyouraccountforaoanobtained: 1. at an automated teer machine ("ATM Cash Advance"); 2. by a transfer of funds to a deposit account initiated by us at your request. ("Direct Deposit"). A Direct Deposit does not incude an Overdraft Protection Cash Advance or a same day onine funds transfer; 3. at any financia institution (e.g., to obtain cash, money orders, wire transfers, or traveers checks), by a same day onine funds transfer to a deposit account, and at any non-financia institution (to obtain cash) ("Bank Cash Advance"); 4. as part of an Overdraft Protection Program - a transfer of funds to a deposit account pursuant to an overdraft protection program ("Overdraft Protection Cash Advance"); 5. to buy "Cash Equivaents" (i.e., foreign currency, money orders or traveers checks from a non-financia institution, or person to person money transfers, bets, ottery tickets, casino gaming chips, or bai bonds) with your card; 6. by an access check you sign as drawer ("Check Cash Advance"); 7. for any payment you make to us that is returned to us unpaid for any reason, incuding the reated interest charges ("Returned Payment"). CashAdvanceincudesTransactionFeesandadjustmentsassociatedwithanyCashAdvance. ANNUAL PERCENTAGE RATES Thissectionprovidestheinterestrates(APRs)appicabetoyouraccount.WereservetherighttoamendtheseAPRs.Advance writtennoticeofsuchamendmentswibeprovided. WemaymakePromotionaOffersoncertainnewPurchases,BaanceTransfersandCashAdvances.WhenaPromotionaOffer ends,itspromotionaratesandpromotionafeeswiterminate.anypurchase,baancetransferorcashadvancebaance subjecttothatpromotionaratewireturntoitsrespectivestandardapr. CheckCashAdvancesandDirectDepositsareCashAdvances.However,ifCheckCashAdvancesorDirectDepositsareidentified inthepromotionaofferaspostingasabaancetransferandquaifyforthepromotionaoffer,thentheresutingpromotiona baanceswibeincudedinthebaancetransferbaanceandwigetthebaancetransferstandardaprwhenthepromotiona Offerends,insteadoftheCashAdvanceAPR.Inaddition,thesetransactionswigettheBaanceTransfertransactionfeeif theyquaifyforthepromotionaoffer. ForStandardAnnuaPercentageRates(APRs),seethePricingInformationtabe. VARIABLE RATE INFORMATION VariabeRatesarecacuatedbyaddingtogetheranindexandamargin.ThisindexisthehighestU.S.PrimeRateaspubished inthemoneyratessectionofthewastreetjournaontheastpubicationdayofeachmonth. Anincreaseordecreaseintheindexwicauseacorrespondingincreaseordecreaseinyourvariaberatesonthefirstdayof yourbiingcycethatbeginsinthesamemonthinwhichtheindexispubished.anincreaseintheindexmeansthatyouwi payhigherinterestchargesandhaveahighertotaminimumpaymentdue.ifthewastreetjournadoesnotpubishtheu. S.PrimeRate,orifitchangesthedefinitionoftheU.S.PrimeRate,wemay,inoursoediscretion,substituteanotherindex. CALCULATION OF INTEREST CHARGES WecacuateinterestbymutipyingeachBaanceSubjecttoInterestRatebyitsappicabeDPRandthatresutbythenumber ofdaysinthebiingcyce.wheninterestaccruesonapurchase,baancetransfer,orcashadvancebaance,thoseinterest chargesbecomepartofthatrespectivepurchase,baancetransfer,orcashadvancebaance. BILLING CYCLE YourbiingcyceendseachmonthonaCosingDatedeterminedbyus.EachbiingcycebeginsonthedayaftertheCosing Dateofthepreviousbiingcyce.Eachmonthystatementrefectsasingebiingcyce. WHEN INTEREST CHARGES BEGIN TO ACCRUE EachnewBaanceTransferandCashAdvancebeginstoaccrueinterestonitstransactiondate.BaanceTransferandCash Advancebaancesremainingfrompreviousbiingcycesaccrueinterestfromthefirstdayofthebiingcyce.Thetransaction dateforcheckcashadvancesandbaancetransfersmadebycheckisthedatethecheckisfirstdepositedorcashed.the transactiondateforareturnedpaymentisthedatethatthecorrespondingpaymentpostedtoyouraccount.

7 UnesssubjecttoaGracePeriod,eachnewPurchasebeginstoaccrueinterestonitstransactiondateorthefirstdayofthe biingcyce,whicheverdateisater.unesssubjecttoagraceperiod,purchasebaancesremainingfrompreviousbiingcyces accrueinterestfromthefirstdayofthebiingcyce. Whenappicabe,interestaccruesdaiyandcompoundsdaiyonnewbaances,andbaancesremainingfrompreviousbiing cyces.interestwicontinuetoaccrueeventhoughyouhavepaidthefuamountofanyreatedbaancesbecauseweincude anyaccruedbutunpaidinterestinthecacuationofeachbaancesubjecttointerestrate. YourPaymentDueDatewibeateast25daysfromyourstatementCosingDate. GRACE PERIOD/PAYING INTEREST YoudonothaveaGracePeriodforBaanceTransfersorCashAdvances.YouwihaveaGracePeriodonnewPurchasesina biingcyceinwhichyoupayinfu,fromthedayafterthepayinfudateuntitheendofthatbiingcyce.youwihave agraceperiodforanentirebiingcyceonnewpurchasesandonpurchasebaancesremainingfrompreviousbiingcyces, ifyoupaidinfuthetwopreviousnewbaancetotasonyouraccountbytheirrespectivepaymentduedates.ifduringthe previousbiingcyceyoupaidinfubythepaymentduedate,theninthecurrentbiingcyceyouwihaveagraceperiod ontheamountofthepurchasebaanceremainingfromthepreviousbiingcycethatispaidbythepaymentduedate,based onourpaymentaocationmethod. BALANCES SUBJECT TO INTEREST RATE [seethepricinginformationtabe] MINIMUM INTEREST CHARGE Ifthetotaoftheinterestchargesforabaancesisessthan$1.50,thenaMinimumInterestChargeof$1.50wibeassessed ontheaccount.thisfeeisinieuofanyinterestcharge. TRANSACTION FEES WewiassessthefoowingTransactionFeestoyourAccountinthesamebaancecategorytowhichthetransactionisposted, [seethepricinginformationtabeforfeeamounts]. ATMCashAdvance BaanceTransfer BankCashAdvance CashEquivaent CheckCashAdvance DirectDeposit ForeignTransaction OverdraftProtectionCashAdvance WireTransferPurchase ACCOUNT FEES ThefoowingfeesareassessedasPurchasesintheBiingCyceinwhichthefeesaccrue: AnAnnuaFee:[seethePricingInformationtabeforfeeamount].TheAnnuaFeewibeassessedeach[monthofaccount opening]ifyouraccountisopenorifyoumaintainanaccountbaance,whetherornotyouhaveactivechargingprivieges. WewiassessaLateFee,iftheTotaMinimumPaymentDueshownonyourmonthystatementisnotreceivedbyusonor beforeitspaymentduedate.thelatefeewinotexceedthetotaminimumpaymentdueimmediateypriortoassessment ofthefee.onthelatefeetransactiondate:[seethepricinginformationtabeforfeeamount] AReturnedPaymentFeeof[seethePricingInformationtabeforfeeamount]ifapaymentonyouraccountisreturnedfor insufficientfundsorforanyotherreason,evenifitispaiduponsubsequentpresentment(ifweeecttore-presentthepayment). TheReturnedPaymentFeewinotexceedtheTotaMinimumPaymentDueimmediateypriortoassessmentofthefee. AReturnedAccessCheckFeeof$25.00to$25.00ifwereturnanaccesscheckunpaidforanyreason,eveniftheaccesscheck ispaiduponsubsequentpresentment.thereturnedaccesscheckfeewinotexceedthedoaramountoftheaccesscheck. ACopyFeeof$5.00foreachcopyofamonthystatementorsaesdraft,exceptthatthesixmostrecentmonthystatements andonesaesdraftwibeprovidedforfree. An Abandoned Property Fee equa to any costs incurred by us for compying with state abandoned property aws, uness prohibitedbyappicabeaw. OVERDRAFT PROTECTION

8 IfyourcheckingaccountwithBankofAmericaisinkedtothisaccount,thisoverdraftprotectionfeaturewiaowfundsto betransferred(overdraftprotectiontransfers)fromthisaccountintoyourdesignatedcheckingaccountwithbankofamerica (checkingaccount)whentransactionsoccuronyourcheckingaccount,suchaschecksorotherdebits,thatifpaidwoudcause thecheckingaccounttobeoverdrawn(overdrafttransactions).overdraftprotectiontransfersincudeautomatictransfersto covercheckingaccountfees.overdraftprotectiontransfersareprocessedaftercoseofbusinessmondaythroughfridayandare treatedasoverdraftprotectioncashadvances.eachday'soverdrafttransactionswibetotaedandroundedtothenext$100 ($25ifyouopenedyourcheckingaccountinWashingtonorIdaho;$50ifyourcheckingaccountwasopenedasaMiitaryBank accountbeforejune16,2008)incrementuptoyouravaiabecreditimit,regardessofwhoinitiatedtheoverdrafttransactions. Forexampe,ifyourcheckingaccounthasabaanceof$1.00andacheckorotherdebititemfor$125ispresentedforpayment, whichifpaidwoudcauseyourcheckingaccounttobeoverdrawn,anoverdraftprotectiontransferof$200wibemadeto yourcheckingaccountandanoverdraftprotectioncashadvanceof$200wiposttothisaccount.theamountofavaiabe creditonthisaccountmustbesufficienttocoverthetotaamountofoverdrafttransactions(receivedbybankofamericathat day)roundedtothenext$100increment(butexcudinganyoverdraftprotectionfee);otherwiseoneormoreoftheoverdraft transactionsforthatdaywiberejected.however,iftheavaiabecreditonthisaccountisgreaterthantheoverdrafttransaction amount,buttheavaiabecreditisinsufficientfortheoverdrafttransactionamounttoberoundedtothenext$100increment, thentheamountoftheoverdrafttransactionwiberoundedtothehighestwhoedoaramountofyouravaiabecredit.we winotassessanoverdraftprotectioncashadvancefeeforanyoverdraftprotectiontransferfromthisaccounttoainked BankofAmericacheckingaccount,ifwedeterminethatyouraccountisoverdrawnbyatotaamountessthan$10.00,afterwe finishprocessingfortheday.ifyouraccountissubjecttoanoverdraftprotectioncashadvancefee,thenoverdraftprotection transfersof$10.00ormorewibeassessedtheoverdraftprotectioncashadvancefeeforeachsuchcashadvance.wemay permitorrefusetopermitanyoverdraftprotectiontransferthatwoudcauseyoutoexceedthecreditimitonthisaccount.this overdraftprotectionfeaturewiautomaticaybecanceedifthisaccountiscosedbyeitheryouorus,oratanytimeuponyour request.youroverdrafttransactionsremainsubjecttothetermsofyourcheckingaccountwithbankofamerica,anyreated enromentagreement,andthisagreement. SIGN YOUR CARD Youshoudsignyourcardbeforeyouuseit. WE MAY MONITOR AND RECORD TELEPHONE CALLS YouconsenttoandauthorizeBankofAmerica,anyofitsaffiiates,oritsmarketingassociatestomonitorand/orrecordany ofyourteephoneconversationswithourrepresentativesortherepresentativesofanyofthosecompanies.whereyouhave providedacephonenumberdirectytous,orpacedacephonecatous,youconsentandagreetoacceptcoectioncasto yourcephonefromus.foranyteephoneorcephonecaswepacetoyou,youconsentandagreethatthosecasmaybe automaticaydiaedand/oruserecordedmessages. CREDIT REPORTING AGENCIES; COLLECTING AND SHARING INFORMATION Youauthorizeustocoectinformationaboutyouinordertoconductourbusinessanddeiverthetopquaityserviceyouexpect, incudinginformationwereceiveaboutyou,informationwereceivefromthirdpartiessuchascreditreportingagenciesand informationaboutyourtransactionswithusandothercompanies.youauthorizeustosharesuchinformationaboutyouor youraccountwithouraffiiatesandothers.youmayhavetherighttooptoutofsomeinformationsharing.formoredetais, peaserefertoourprivacypoicy. If you beieve we have furnished inaccurate or incompete information about you or your account to a credit reporting agency, write to us at: FIA Card Services, N.A., Credit Reporting Agencies, P.O. Box 17054, Wimington, DE Pease incude your name, address, home phone number, and account number, and expain what you beieve is inaccurate or incompete. PERSONS USING YOUR ACCOUNT Ifyoupermitanypersontouseyourcard,accesschecks,accountnumber,orothercreditdevicewiththeauthorizationtoobtain creditonyouraccount,youmaybeiabeforatransactionsmadebythatpersonincudingtransactionsforwhichyoumaynot haveintendedtobeiabe,eveniftheamountofthosetransactionscausesyourcreditimittobeexceeded.authorizedusers ofthisaccountmayhavethesameaccesstoinformationabouttheaccountanditsusersastheaccounthoders.wemaysend accountmaterias(cards,statementsandnotices)toanyiabeparty,andthatpersonwiberesponsibefordeiveringthose materiastotheotheriabepartiesandauthorizedusers.noticetoanyofyouwibeconsiderednoticetoaofyou.youmay aowauthorizedusersonyouraccountinthefoowingways:(1)bynotifyingusthatyouwantsomeoneaddedtoyouraccount asanauthorizeduser;(2)byendingyourcardoraccountnumbertoanother;or(3)byanyotherwaysinwhichyouwoud beegayconsideredtohaveaowedanothertouseyouraccountortobeegaypreventedfromdenyingthatyoudidso.you mustthinkcarefuybeforeyouaowanyonetobecomeanauthorizeduser.bydoingso,youauthorizethepersontouseyour accounttothesameextentyoucan,incudingbutnotimitedtomakinganypurchases,baancetransfers,cashadvances,and aowingotherstouseyouraccount.youraccountdoesnotpermityoutoimitthenatureoramountofauthorityyougiveto anyauthorizeduserandyouwinotattempttodoso.anauthorizeduser'sauthoritywicontinueuntiyoubothnotifyusthat youareterminatingtheauthorityandyouphysicayretrievethecard.ifyoucannotretrievethecard,youwiremainiabe foranytransactionsthatwecannotpreventafteryounotifyus.

9 PURPOSES FOR USING YOUR ACCOUNT Youmayuseyouraccountforpersona,famiy,orhousehodpurposes.Youmaynotuseyouraccountforbusinessorcommercia purposes.youmaynotuseabaancetransfer,orcheckcashadvance,oranyothercashadvance,tomakeapaymenton this or any other credit account with us or our affiiates. You may not use or permit your account to be used to make any iegatransaction.youwionyuseyouraccountfortransactionsthatareegawhereyouconductthem.forexampe,internet gambingtransactionsmaybeiegainyourstate.dispayofapaymentcardogobyanoninemerchantdoesnotmeanthatan Internettransactionisegawhereyouconductit.Wemaychargeyouraccountforsuchtransactions.Wewinotbeiabeifyou engageinaniegatransaction.wemaydenyauthorizationofanytransactionsidentifiedasinternetgambing.youmaynot useyouraccounttoconducttransactionsinanycountryorterritory,orwithanyindividuaorentitythatissubjecttoeconomic sanctionsadministeredandenforcedbytheu.s.departmentofthetreasury'sofficeofforeignassetscontro(ofac).use ofyourcardinthosecountrieswibebocked. YOUR PROMISE TO PAY Youpromisetopayustheamountsofacredityouobtain,whichincudesaPurchases,BaanceTransfers,andCashAdvances. Youasopromisetopayusatheamountsofinterestcharges,fees,andanyothertransactionschargedtoyouraccount.Ifa bankbranchorofficesponsorsyouraccount,youpromisetopayitanyunpaidaccountbaanceitpaysuswithin30days. PAYMENTS ON YOUR ACCOUNT YoumustpayeachmonthateasttheTotaMinimumPaymentDueshownonyourmonthystatementbyitsPaymentDue Date.Paymentsmustconformtotherequirementssetoutonthatmonthystatement;theserequirementsmayvarywithout priornotice.youmaypaytheentireamountyouoweusatanytime.paymentsmadeinanybiingcycethataregreater thanthetotaminimumpaymentduewinotaffectyourobigationtomakethenexttotaminimumpaymentdue.ifyou overpayorifthereisacreditbaanceonyouraccount,wewinotpayinterestonsuchamounts.wewirejectpaymentsthat arenotdrawninu.s.doarsandthosedrawnonafinanciainstitutionocatedoutsideoftheunitedstates.wereservethe righttorejectanypaymentifyouraccounthasacreditbaanceasofthedaywereceivethatpayment.generay,creditsto youraccount,suchasthosegeneratedbymerchantsorbyperson-to-personmoneytransfers,arenottreatedaspaymentsand winotreduceyourtotaminimumpaymentdue. ACH PAYMENTS Weprocessmostpaymentcheckseectronicay.Weusetheinformationonyourchecktocreateaneectronicfundstransfer. Eachtimeyousendacheck,youauthorizeaone-timeeectronicfundstransfer.Youasoauthorizeustoprocessyourcheck asacheckorpaperdraft,asnecessary.fundsmaybewithdrawnfromyouraccountassoonasthesamedaywereceiveyour payment.youwinotreceiveyourcanceedcheckbecausewearerequiredtodestroyit.wewiretainaneectroniccopy.for moreinformationortostoptheconversionofyourchecksintoeectronicfundstransfers,causatthephonenumberistedon thefrontofyourmonthystatement.youmayasowritetousat:p.o.box15026,wimington,de TOTAL MINIMUM PAYMENT DUE Youmaypayyourtotaoutstandingbaanceatanytime.Eachbiingcyce,youmustpayateasttheTotaMinimumPayment DueshownonyourmonthystatementbyitsPaymentDueDate.TheTotaMinimumPaymentDueisthesumofapastdue amountspusthecurrentpayment. TheCurrentPaymentforeachbiingcyceincudesthreeamounts:(1)1.00%ofyourbaance(yourNewBaanceTotaexcept foranynewinterestcharges,andlatefee),and(2)newinterestcharges,and(3)newlatefee.generay,theowestitwibe is$15.00.weroundthepaymentamountdowntothenearestdoar.ifapaymentiscreditedtoyouraccountbutisreturned unpaidinaaterbiingcyce,wewirecacuatethetotaminimumpaymentdueforthebiingcyceinwhichthepayment wasoriginaycredited. WHEN YOUR PAYMENT WILL BE CREDITED TO YOUR ACCOUNT Wecreditpaymentsasofthedatereceived,ifthepaymentis:(1)receivedby5p.m.ocatimeattheaddressshownon theremittancesiponthefrontofyourmonthystatement;(2)paidwithacheckdrawninu.s.doarsonau.s.financia institutionorau.s.doarmoneyorder;and(3)sentinthereturnenveopewithonythebottomportionofyourstatement accompanyingit.paymentsreceivedafter5p.m.ocatimeattheremittanceaddressonanydayincudingthepaymentdue Date,butthatotherwisemeettheaboverequirements,wibecreditedasofthenextday.Creditforanyotherpaymentsmay bedeayeduptofivedays. HOW WE ALLOCATE YOUR PAYMENTS IfyouraccounthasbaanceswithdifferentAPRs,wewiaocatetheamountofyourpaymentequatotheTotaMinimum PaymentDuetotheowestAPRbaancesfirst.PaymentamountsinexcessofyourTotaMinimumPaymentDuewibe appiedtobaanceswithhigheraprsbeforebaanceswithoweraprs. PROMISE TO PAY APPLIES TO ALL PERSONS Apersonswhoinitiayorsubsequentyrequest,accept,guaranteeorusetheaccountareindividuayandtogether responsibeforanytotaoutstandingbaance.ifyouandoneormorepersonsareresponsibetopayanytotaoutstanding baance,wemayrefusetoreeaseanyofyoufromiabiityuntiaofthecards,accesschecks,andothercreditdevices

10 outstandingundertheaccounthavebeenreturnedtousandyourepayusthetotaoutstandingbaanceowedtousatany timeunderthetermsofthisagreement. DEFAULT YouwibeindefautofthisAgreementif:(1)youfaitomakeanyrequiredTotaMinimumPaymentDuebyitsPaymentDue Date;(2)yourtotaoutstandingbaanceexceedsyourcreditimit;or(3)youfaitoabidebyanyothertermofthisAgreement. Ourfaiuretoexerciseanyofourrightswhenyoudefautdoesnotmeanthatweareunabetoexercisethoserightsupon aterdefaut. WHEN WE MAY REQUIRE IMMEDIATE REPAYMENT Ifyouareindefaut,theninadditiontoourotherremediesunderthisAgreement,wecanrequireimmediatepaymentofyour totaoutstandingbaanceand,unessprohibitedbyappicabeaw,wecanasorequireyoutopaythecostsweincurinany coectionproceeding,asweasreasonabeattorneys'feesifwereferyouraccountforcoectiontoanattorneywhoisnotour saariedempoyee.ourfaiuretoexerciseanyofourrightswhenyoudefautdoesnotmeanthatweareunabetoexercisethose rightsuponaterorcontinueddefaut. OTHER PAYMENT TERMS Wecanacceptatepayments,partiapayments,orpaymentswithanyrestrictivewritingwithoutosinganyofourrights underthisagreement.thismeansthatnopayment,incudingthosemarkedwithpaidinfuorwithanyotherrestrictive words,shaoperateasanaccordandsatisfactionwithoutthepriorwrittenapprovaofoneofourseniorofficers.youmaynot useapostdatedchecktomakeapayment.ifyoudopostdateapaymentcheck,wemayeecttohonorituponpresentmentor returnituncreditedtothepersonthatpresentedit,withoutineithercasewaitingforthedateshownonthecheck.wearenot iabetoyouforanyossorexpenseincurredbyyouarisingoutoftheactionweeecttotake. MODIFICATIONS TO REQUIRED MINIMUM MONTHLY PAYMENTS Wemayaowyou,fromtimetotime,toomitamonthypaymentormakeareducedpayment.Wewinotifyyouwhenthese optionsareavaiabe.thiswionyoccuronanisoatedbasis,suchaswhenthebankisworkingwithborrowersaffectedby afederaydecareddisaster.ifyouomitapaymentormakeareducedpayment,interestcharges,appicabefees,andother reguartransactions,ifany,wiaccrueonyouraccountbaancesinaccordancewiththisagreement.thereducedpayment amountmaybeessthanyourinterestcharges.youmustmakethereducedpaymentontimetoavoidaatefee.youmustresume makingyourreguartotaminimumpaymentdueeachmonthfoowinganymodificationsmadetoyourrequiredminimum monthypayment. YOUR CREDIT LIMIT Yourcreditimitisdiscosedtoyouwhenyoureceiveyourcardand,generay,oneachmonthystatement.Wemaychangeyour creditimitfromtimetotime.webasethatdecisiononavarietyoffactorssuchasyourpaymentandtransactionhistorywithus, andinformationwereceivefromthirdpartiesincudingcreditreportingagencies.theamountshownonyourmonthystatement ascreditavaiabedoesnottakeintoaccountanypurchases,baancetransfers,cashadvances,interestcharges,fees,any othertransactions,orcreditswhichposttoyouraccountafterthecosingdateofthatmonthystatement.suchtransactions coudresutinyourcreditimitbeingexceeded. WHAT WE MAY DO IF YOU ATTEMPT TO EXCEED YOUR CREDIT LIMIT Thetotaoutstandingbaanceonyouraccountpusauthorizationsatanytimemustnotbemorethanyourcreditimit.Ifyou attemptatransactionwhichresutsinyourtotaoutstandingbaance(pusauthorizations)exceedingyourcreditimit,wemay: (1)permitthetransactionwithoutraisingyourcreditimit;(2)permitthetransactionandtreattheamountofthetransaction thatismorethanthecreditimitasimmediateydue;or(3)refusetopermitthetransaction. Ifwerefusetopermitthetransaction,wemayadvisethepersonwhoattemptedthetransactionthatithasbeenrefused.Ifwe refusetopermitacheckcashadvanceorbaancetransfer,wemaydosobyadvisingthepersonpresentingthecheckcash AdvanceorBaanceTransferthatcredithasbeenrefused,thatthereareinsufficientfundstopaytheCheckCashAdvanceor BaanceTransfer,orinanyothermanner. Ifwehavepreviousypermittedyoutoexceedyourcreditimit,itdoesnotmeanthatwewipermityoutoexceedyourcredit imitagain. WE MAY AMEND THIS AGREEMENT WemayamendthisAgreementatanytime.Wemayamenditbyadding,deeting,orchangingprovisionsofthisAgreement. WemayincreaseordecreaseanyoraofyourAPRs,incudinganyPromotionaAPRs.WhenweamendthisAgreementwe wicompywiththeappicabenoticerequirementsoffederaanddeawareawthatareineffectatthattime. ThereasonswemaychangethetermsofthisAgreementincudethefoowing:yourriskprofiebasedonyourpayment patterns,transactionpatterns,baancepatterns,andutiizationevesofthisandotheraccounts,creditbureauinformation incudingtheage,historyandtypeofotheraccounts,andreationshipsbetweeneachandaofthesemeasuresofrisk.we

11 mayasochangetermsforreasonsnotreatedtoyourindividuacredithistory,suchasoveraeconomicandmarkettrends, productdesign,andbusinessneeds. Ifanamendmentgivesyoutheopportunitytorejectthechange,andifyourejectthechangeinthemannerprovidedinsuch amendment,wemayterminateyourrighttoreceivecreditandmayaskyoutoreturnacreditdevicesasaconditionofyour rejection.wemayrepaceyourcardwithanothercardatanytime. WE MAY SUSPEND OR CLOSE YOUR ACCOUNT Wemaysuspendorcoseyouraccountorotherwiseterminateyourrighttouseyouraccount.Wemaydothisatanytimeand foranyreason.wemayeecttonothonoranyaccesscheckwhichiswrittenaftertheexpirationdateprintedonthatcheck. YourobigationsunderthisAgreementcontinueevenafterwehavedonethis.Youmustdestroyacards,accesschecksor othercreditdevicesontheaccountwhenwerequest. YOU MAY CLOSE YOUR ACCOUNT Youmaycoseyouraccountbynotifyingusinwritingorbyteephone,anddestroyingacards,accesschecksorothercredit devicesontheaccount.yourobigationsunderthisagreementcontinueevenafteryouhavedonethis. TRANSACTIONS AFTER YOUR ACCOUNT IS CLOSED Whenyouraccountiscosed,youmustcontactanyoneauthorizedtochargetransactionstoyouraccount,suchasinternet serviceproviders,heathcubsorinsurancecompanies.thesetransactionsmaycontinuetobechargedtoyouraccountunti youchangethebiing.aso,ifwebeieveyouhaveauthorizedatransactionorareattemptingtouseyouraccountafteryou haverequestedtocosetheaccount,wemayaowthetransactiontobechargedtoyouraccount. RECURRING PREAUTHORIZED TRANSACTIONS Recurringpreauthorizedtransactionsoccurwhenyouauthorizeamerchanttoautomaticayinitiateatransactionusingyour CreditCardonarecurringbasis.Ifweissueanewcreditcardwithadifferentnumberorexpirationdatetoyou,wemay(but arenotobigatedto)provideyournewcardnumberandexpirationdatetoamerchantwithwhomyouhavesetuparecurring preauthorizedtransactioninordertocontinueyourrecurringpreauthorizedtransactions.therewibecircumstanceswhere youwihavetocontactthemerchant. REFUSAL TO HONOR YOUR ACCOUNT Wearenotiabeforanyrefusatohonoryouraccount.Thiscanincudearefusatohonoryourcardoraccountnumberor anycheckwrittenonyouraccount.wearenotiabeforanyretentionofyourcardbyus,anyotherfinanciainstitution,or anyproviderofgoodsorservices. HOW YOU MAY STOP PAYMENT ON AN ACCESS CHECK YoumayrequestastoppaymentonanAccesscheckbyprovidinguswiththeAccesschecknumber,doaramount,andpayee exactyastheyappearontheaccesscheck.oraandwrittenstoppaymentrequestsonanaccesscheckareeffectiveforsix monthsfromthedaythatwepacethestoppayment. YOU MAY NOT POSTDATE AN ACCESS CHECK YoumaynotissueapostdatedAccesscheckonyouraccount.IfyoudopostdateanAccesscheck,wemayeecttohonoritupon presentmentorreturnitunpaidtothepersonthatpresentedittousforpayment,withoutineithercasewaitingforthedate shownontheaccesscheck.wearenotiabetoyouforanyossorexpenseincurredbyyouarisingoutoftheactionweeect totake. TRANSACTIONS MADE IN FOREIGN CURRENCIES If you make a transaction in a foreign currency, the transaction wi be converted by Visa Internationa or MasterCard Internationa, depending on which card you use, into a U.S. doar amount in accordance with the operating reguations or conversionproceduresineffectatthetimethetransactionisprocessed.currenty,thosereguationsandproceduresprovide thatthecurrencyconversionratetobeusediseither(1)awhoesaemarketrateor(2)agovernment-mandatedrateineffect onedaypriortotheprocessingdate.thecurrencyconversionrateineffectontheprocessingdatemaydifferfromtheratein effectonthetransactiondateorpostingdate. BENEFITS Wemayofferyoucertainbenefitsandserviceswithyouraccount.AnybenefitsorservicesarenotapartofthisAgreement, butaresubjecttothetermsandrestrictionsoutinedinthebenefitsbrochureandotherofficiadocumentsprovidedtoyou fromtimetotimebyoronbehafofbankofamerica.wemayadjust,add,ordeetebenefitsandservicesatanytimeand withoutnoticetoyou. WE MAY SELL YOUR ACCOUNT We may at any time, and without notice to you, se, assign or transfer your account, any sums due on your account, this Agreement,orourrightsorobigationsunderyouraccountorthisAgreementtoanypersonorentity.Thepersonorentity to whom we make any such sae, assignment or transfer sha be entited to a of our rights and/or obigations under this Agreement,totheextentsod,assignedortransferred.

12 YOU MUST NOTIFY US WHEN YOU CHANGE YOUR ADDRESS Westrivetokeepaccuraterecordsforyourbenefitandours.Thepostofficeandothersmaynotifyusofachangetoyour address.whenyouchangeyouraddress,youmustnotifyuspromptyofyournewaddress. WHAT LAW APPLIES ThisAgreementismadeinDeawareandweextendcredittoyoufromDeaware.ThisAgreementisgovernedbytheawsof thestateofdeaware(withoutregardtoitsconfictofawsprincipes)andbyanyappicabefederaaws. THE PROVISIONS OF THIS AGREEMENT ARE SEVERABLE IfanyprovisionofthisAgreementisfoundtobeinvaid,theremainingprovisionswicontinuetobeeffective. OUR RIGHTS CONTINUE OurfaiureordeayinexercisinganyofourrightsunderthisAgreementdoesnotmeanthatweareunabetoexercisethose rightsater. UNAUTHORIZED USE OF YOUR CARD Peasenotifyusimmediateyoftheoss,theft,orpossibeunauthorizeduseofyouraccountat SECURITY INTEREST ThisAccountissecuredbytheDepositAccountreferredtointheSecurityAgreement.WehaveincudedtheSecurityAgreement inthefirstpartofthisdocument.youhaveaffirmativeyagreedtoandgrantedtousasecurityinterestinthedepositaccount. WecantransferfundsfromtheDepositAccounttothissecuredAccountifyoudefautonthedebtarisingfromthisAccount. SuchinstancesofyourdefautaredescribedhereinandintheSecurityAgreement,andmayincude,forexampe,yourfaiing tomakeapayment YOUR BILLING RIGHTS KeepthisDocumentforFutureUse ThisnoticetesyouaboutyourrightsandourresponsibiitiesundertheFairCreditBiingAct. WhatToDoIfYouFindAMistakeOnYourStatement Ifyouthinkthereisanerroronyourstatement,writetousat: BankofAmericaCorporation P.O.Box15026 Wimington,DE19850 Inyouretter,giveusthefoowinginformation: Accountinformation:Yournameandaccountnumber. Doaramount:Thedoaramountofthesuspectederror. Descriptionofprobem:Ifyouthinkthereisanerroronyourbi,describewhatyoubeieveiswrongandwhyyou beieveitisamistake. Youmustcontactus: Within60daysaftertheerrorappearedonyourstatement. Ateast3businessdaysbeforeanautomatedpaymentisschedued,ifyouwanttostoppaymentontheamountyou thinkiswrong. Youmustnotifyusofanypotentiaerrorsinwriting.Youmaycaus,butifyoudowearenotrequiredtoinvestigateany potentiaerrorsandyoumayhavetopaytheamountinquestion. WhatWiHappenAfterWeReceiveYourLetter Whenwereceiveyouretter,wemustdotwothings: 1. Within 30 days of receiving your etter, we must te you that we received your etter. We wi aso te you if we have aready corrected the error.

13 2. Within 90 days of receiving your etter, we must either correct the error or expain to you why we beieve the bi is correct. Whieweinvestigatewhetherornottherehasbeenanerror: Wecannottrytocoecttheamountinquestion,orreportyouasdeinquentonthatamount. Thechargeinquestionmayremainonyourstatement,andwemaycontinuetochargeyouinterestonthatamount. Whieyoudonothavetopaytheamountinquestion,youareresponsibefortheremainderofyourbaance. Wecanappyanyunpaidamountagainstyourcreditimit. Afterwefinishourinvestigation,oneoftwothingswihappen: Ifwemadeamistake:Youwinothavetopaytheamountinquestionoranyinterestorotherfeesreatedtothat amount. Ifwedonotbeievetherewasamistake:Youwihavetopaytheamountinquestion,aongwithappicabeinterest andfees.wewisendyouastatementoftheamountyouoweandthedatepaymentisdue.wemaythenreportyou asdeinquentifyoudonotpaytheamountwethinkyouowe. Ifyoureceiveourexpanationbutstibeieveyourbiiswrong,youmustwritetouswithin10daysteingusthatyousti refusetopay.ifyoudoso,wecannotreportyouasdeinquentwithoutasoreportingthatyouarequestioningyourbi.we mustteyouthenameofanyonetowhomwereportedyouasdeinquent,andwemustetthoseorganizationsknowwhen thematterhasbeensettedbetweenus. Ifwedonotfoowaoftheruesabove,youdonothavetopaythefirst$50oftheamountyouquestionevenifyourbiis correct. YourRightsIfYouAreDissatisfiedWithYourCreditCardPurchases Ifyouaredissatisfiedwiththegoodsorservicesthatyouhavepurchasedwithyourcreditcard,andyouhavetriedingood faithtocorrecttheprobemwiththemerchant,youmayhavetherightnottopaytheremainingamountdueonthepurchase. Tousethisright,aofthefoowingmustbetrue: 1. The purchase must have been made in your home state or within 100 mies of your current maiing 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 maied to you, or if we own the company that sod 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 quaify. 3. You must not yet have fuy paid for the purchase. Ifaofthecriteriaabovearemetandyouarestidissatisfiedwiththepurchase,contactusinwritingat: BankofAmericaCorporation P.O.Box15026 Wimington,DE19850 Whieweinvestigate,thesameruesappytothedisputedamountasdiscussedabove.Afterwefinishourinvestigation,we witeyouourdecision.atthatpoint,ifwethinkyouoweanamountandyoudonotpay,wemayreportyouasdeinquent. 2010BankofAmericaCorporation.Arightsreserved.

Example of Credit Card Agreement for Bank of America Secured MasterCard and Visa accounts

Example of Credit Card Agreement for Bank of America Secured MasterCard and Visa accounts Example of Credit Card Agreement for Bank of America Secured MasterCard and Visa accounts This information is accurate as of June 30, 2015. This credit card program is issued and administered by Bank of

More information

Example of Credit Card Agreement for Bank of America Visa Signature and World MasterCard accounts

Example of Credit Card Agreement for Bank of America Visa Signature and World MasterCard accounts Exampe of Credit Card Agreement for Bank of America Visa Signature and Word MasterCard accounts PRICING INFORMATION Actua pricing wi vary from one cardhoder to another Annua Percentage Rates for Purchases

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

Example of Credit Card Agreement for Bank of America Platinum Plus and Preferred MasterCard and Visa accounts

Example of Credit Card Agreement for Bank of America Platinum Plus and Preferred MasterCard and Visa accounts Exampe of Credit Card Agreement for Bank of America Patinum Pus and Preferred MasterCard and Visa accounts This information is accurate as of June 30, 2014. This credit card program is issued and administered

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

Example of Credit Card Agreement for FIA Card Services Platinum Plus and Preferred MasterCard and Visa accounts

Example of Credit Card Agreement for FIA Card Services Platinum Plus and Preferred MasterCard and Visa accounts Exampe of Credit Card Agreement for FIA Card Services Patinum Pus and Preferred MasterCard and Visa accounts This information is accurate as of June 30, 2014. This credit card program is issued and administered

More information

Example of Credit Card Agreement for Bank of America Secured MasterCard and Visa accounts

Example of Credit Card Agreement for Bank of America Secured MasterCard and Visa accounts Example of Credit Card Agreement for Bank of America Secured MasterCard and Visa accounts This information is accurate as of June 30, 2016. This credit card program is issued and administered by Bank of

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES About ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account. Some of

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

ELECTRONIC FUND TRANSFERS. l l l. l l. l l l. l l l

ELECTRONIC FUND TRANSFERS. l l l. l l. l l l. l l l Program Organization = Number "1060" = Type "123342" = "ETM2LAZCD" For = "502859" "TCCUS" "" Name "WK Number = Name "First "1001" = "1" Eectronic = "1001" = Financia "Jane Funds Doe" Northwest Xfer PG1

More information

Example of Credit Card Agreement for FIA Card Services Rewards Gold and FIA Card Services Rewards Platinum American Express Card accounts

Example of Credit Card Agreement for FIA Card Services Rewards Gold and FIA Card Services Rewards Platinum American Express Card accounts Example of Credit Card Agreement for FIA Card Services Rewards Gold and FIA Card Services Rewards Platinum American Express Card accounts This information is accurate as of 12/31/2009. This credit card

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

Example of Credit Card Agreement for Bank of America Visa Signature and World MasterCard accounts

Example of Credit Card Agreement for Bank of America Visa Signature and World MasterCard accounts Example of Credit Card Agreement for Bank of America Visa Signature and World MasterCard accounts This information is accurate as of March 31, 2016. This credit card program is issued and administered

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

CARDMEMBER AGREEMENT AND DISCLOSURE STATEMENT Part 1 of 2: Agreement ABOUT THIS AGREEMENT Part 1 and 2 together make your Cardmember Agreement and

CARDMEMBER AGREEMENT AND DISCLOSURE STATEMENT Part 1 of 2: Agreement ABOUT THIS AGREEMENT Part 1 and 2 together make your Cardmember Agreement and CARDMEMBER AGREEMENT AND DISCLOSURE STATEMENT Part 1 of 2: Agreement ABOUT THIS AGREEMENT Part 1 and 2 together make your Cardmember Agreement and Disclosure Statement ( Agreement ) and govern your Credit

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

Early access to FAS payments for members in poor health

Early access to FAS payments for members in poor health Financia Assistance Scheme Eary access to FAS payments for members in poor heath Pension Protection Fund Protecting Peope s Futures The Financia Assistance Scheme is administered by the Pension Protection

More information

VISA Variable Credit Card Agreement, Overdraft Protection Agreement, and Truth In Lending Disclosure Statement

VISA Variable Credit Card Agreement, Overdraft Protection Agreement, and Truth In Lending Disclosure Statement VISA Variable Credit Card Agreement, Overdraft Protection Agreement, and Truth In Lending Disclosure Statement This is your Cardholder Agreement with Provident Credit Union which outlines the terms to

More information

USAA CREDIT CARD AGREEMENT USAA SAVINGS BANK

USAA CREDIT CARD AGREEMENT USAA SAVINGS BANK USAA CREDIT CARD AGREEMENT USAA SAVINGS BANK PART A: Important Information about this Agreement 1. The Parties to this Agreement.................. p.4 2. The Documents that Make Up this Agreement.... p.4

More information

Visa Business Card Disclosure Agreement

Visa Business Card Disclosure Agreement P.O. Box 8046 Madison, WI 53718-8308 (608) 243-5000 (800) 236-5560 Fax: (608) 243-5029 www.summitcreditunion.com TABULAR DISCLOSURE Annual Percentage Rate 8.00%* (APR for Purchases) Other APR s: Cash Advance

More information

This APR may be applied to your account if you: apply?:

This APR may be applied to your account if you: apply?: Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases APR for Balance Transfers APR for Cash Advances 6.49%a, 7.49%b, 8.49%c, 9.49%d 6.49%a, 7.49%b, 8.49%c, 9.49%d 6.49%a, 7.49%b,

More information

Credit Card Agreement and Disclosure Statement

Credit Card Agreement and Disclosure Statement Credit Card Agreement and Disclosure Statement Your Lifetime Financial Partner In this Agreement the words you and your mean each and all of those signing, using or having a credit Card account with Northwest

More information

USAA CREDIT CARD AGREEMENT USAA SAVINGS BANK

USAA CREDIT CARD AGREEMENT USAA SAVINGS BANK USAA CREDIT CARD AGREEMENT USAA SAVINGS BANK PART A: Important Information about this Agreement 1. The Parties to this Agreement.................. p.4 2. The Documents that Make Up this Agreement.... p.4

More information

On-Line Banking Application

On-Line Banking Application OnLine Banking Appication 1st Name: SSN/Tax ID #: Work Phone: City born in: Fax: Mother's Maiden Name: Emai Address: 2nd Name: SSN/ax ID#: Work Phone: City born in: Fax: Mother's Maiden Name: Emai Address:

More information

Business Credit Cardholder Agreement

Business Credit Cardholder Agreement Business Credit Cardholder Agreement 1. AGREEMENT. This Cardholder Agreement ( Agreement ) and the following documents (collectively, Cardholder Documents ) govern the possession and use of the Business

More information

UMB Discover Cardholder Agreement

UMB Discover Cardholder Agreement UMB Discover Cardholder Agreement 1. Your Agreement to these Terms and Conditions; Definitions. The terms and conditions in this Agreement govern your Card and all credit extended to you under this Agreement.

More information

AA Fixed Rate ISA Savings

AA Fixed Rate ISA Savings AA Fixed Rate ISA Savings For the road ahead The Financia Services Authority is the independent financia services reguator. It requires us to give you this important information to hep you to decide whether

More information

CARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES

CARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES Purchase Annual Percentage Rate (APR) Balance Transfer APR Cash Advance APR Penalty APR and When It Applies Paying Interest Minimum Interest Charge Credit Card Tips from the Federal Reserve Board CARDMEMBER

More information

Credit Card Agreement Visa Classic Credit Card

Credit Card Agreement Visa Classic Credit Card Credit Card Agreement Visa Classic Credit Card Part I Interest Rates and Interest Charges Visa Annual Percentage Rate (APR) for Purchases 17.99% Fixed APR for Balance Transfers 17.99% Fixed APR for Cash

More information

BBVA Compass VISA BUSINESS CARD MASTER AGREEMENT & SECURITY AGREEMENT

BBVA Compass VISA BUSINESS CARD MASTER AGREEMENT & SECURITY AGREEMENT BBVA Compass VISA BUSINESS CARD MASTER AGREEMENT & SECURITY AGREEMENT This Agreement should be read carefully and maintained in the Business records. This Visa Business Card Master Agreement (the "Agreement")

More information

Municipal Credit Union MCU² VISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT

Municipal Credit Union MCU² VISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT Municipal Credit Union MCU² VISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT 1. Definitions: In this Agreement the words we, us and our mean Municipal Credit Union,

More information

Amount Existing Liens $ Purpose of Refinance. 4. Applicant Information Co-Applicant's Name. Social Security No. Date of Birth.

Amount Existing Liens $ Purpose of Refinance. 4. Applicant Information Co-Applicant's Name. Social Security No. Date of Birth. Universa Credit Appication (Consumer Residentia Rea Estate) 1. Type of Appication (Check ony one of the four checkboxes; and sign, if joint credit) Individua Credit. If checked, this is an Appication for

More information

BBVA Compass SECURED VISA BUSINESS CREDIT CARD AGREEMENT

BBVA Compass SECURED VISA BUSINESS CREDIT CARD AGREEMENT BBVA Compass SECURED VISA BUSINESS CREDIT CARD AGREEMENT This Agreement should be read carefully and maintained in the Business records. This Secured Visa Business Credit Card Agreement (the "Agreement")

More information

Key Features of Life Insurance

Key Features of Life Insurance Key Features of Life Insurance Life Insurance Key Features The Financia Conduct Authority is a financia services reguator. It requires us, Aviva, to give you this important information to hep you to decide

More information

TCU VISA Platinum Rewards Credit Card Account Agreement

TCU VISA Platinum Rewards Credit Card Account Agreement TCU VISA Platinum Rewards Credit Card Account Agreement This TCU VISA Platinum Rewards Credit Card Account Agreement and Disclosure Statement ("Agreement"), sets forth your rights and obligations and ours

More information

PRICING SCHEDULE. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases

PRICING SCHEDULE. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases PRICING SCHEDULE This is an example of terms that were available to recent applicants as of 3/31/15. They may not be available now. If you apply, your terms will be based on the terms of the offer when

More information

VISA VARIABLE RATE AND FIXED RATE CLASSIC AND GOLD CARDS AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT

VISA VARIABLE RATE AND FIXED RATE CLASSIC AND GOLD CARDS AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT VISA VARIABLE RATE AND FIXED RATE CLASSIC AND GOLD CARDS AGREEMENT In this Agreement and Disclosure Statement the words You, Your, and Yours mean each and all of those that apply for, sign or use the VISA

More information

Dollar Bank Secured Credit Card - Variable Rate Line of Credit Agreement - Pricing Information

Dollar Bank Secured Credit Card - Variable Rate Line of Credit Agreement - Pricing Information Dollar Bank Secured Credit Card - Variable Rate Line of Credit Agreement - Pricing Information There are two parts to this Credit Card Agreement: Dollar Bank Pricing Information and the Dollar Bank Customer

More information

Security Service Federal Credit Union Power MasterCard Business Credit Card. These APRs will vary with the market based on Prime Rate.

Security Service Federal Credit Union Power MasterCard Business Credit Card. These APRs will vary with the market based on Prime Rate. Security Service Federal Credit Union Power MasterCard Business Credit Card Interest Rates and Interest Charges Purchase Annual 6.74% to 8.74% based on your creditworthiness. Percentage Rate (APR) These

More information

Prospera Credit Union 4830 N Ballard Rd. Appleton, WI 54913 CREDIT CARD AGREEMENT FOR WISCONSIN

Prospera Credit Union 4830 N Ballard Rd. Appleton, WI 54913 CREDIT CARD AGREEMENT FOR WISCONSIN Prospera Credit Union 4830 N Ballard Rd. Appleton, WI 54913 CREDIT CARD AGREEMENT FOR WISCONSIN In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card

More information

MASTERCARD CONSUMER CREDIT CARD AGREEMENT

MASTERCARD CONSUMER CREDIT CARD AGREEMENT MASTERCARD CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

Credit Card Agreement for Neiman Marcus/Bergdorf Goodman in Capital One, N.A.

Credit Card Agreement for Neiman Marcus/Bergdorf Goodman in Capital One, N.A. Credit Card Agreement for Neiman Marcus/Bergdorf Goodman in Capital One, N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement.

More information

VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT

VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

PRICING SCHEDULE. Interest Rates and Interest Charges

PRICING SCHEDULE. Interest Rates and Interest Charges This is an example of terms that were available to recent applicants as of 6/30/15. They may not be available now. If you apply, your terms will be based on the terms of the offer when you apply. This

More information

Business Visa Credit Card Agreement

Business Visa Credit Card Agreement Business Visa Credit Card Agreement ONPOINT COMMUNITY CREDIT UNION BUSINESS VISA CREDIT CARD AGREEMENT 1. INTRODUCTION. This Agreement covers your Business Platinum VISA Rewards Credit Card account, issued

More information

Credit Card Agreement for GM Card in Capital One, N.A.

Credit Card Agreement for GM Card in Capital One, N.A. Credit Card Agreement for GM Card in Capital One, N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. The Pricing Information

More information

Credit Card Agreement for Consumer Cards in Capital One, N.A.

Credit Card Agreement for Consumer Cards in Capital One, N.A. Credit Card Agreement for Consumer Cards in Capital One, N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. The Pricing Information

More information

Credit Card Agreement for Consumer Secured Cards in Capital One Bank (USA), N.A.

Credit Card Agreement for Consumer Secured Cards in Capital One Bank (USA), N.A. Credit Card Agreement for Consumer Secured Cards in Capital One Bank (USA), N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement.

More information

BUSINESS CREDIT CARD AGREEMENT

BUSINESS CREDIT CARD AGREEMENT BUSINESS CREDIT CARD AGREEMENT This Business Credit Card Agreement ("Agreement") includes this document, any letter, card carrier, card insert, addendums, any other document accompanying this Agreement,

More information

Credit Card Agreement for Teamsters Cards in Capital One, N.A.

Credit Card Agreement for Teamsters Cards in Capital One, N.A. Credit Card Agreement for Teamsters Cards in Capital One, N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. The Pricing Information

More information

VISA REWARDS CONSUMER CREDIT CARD AGREEMENT

VISA REWARDS CONSUMER CREDIT CARD AGREEMENT VISA REWARDS CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

LANGLEY SELECT - VISA PLATINUM LANGLEY REWARDS VISA SIGNATURE LANGLEY CASH BACK VISA SIGNATURE CONSUMER CREDIT CARD AGREEMENT

LANGLEY SELECT - VISA PLATINUM LANGLEY REWARDS VISA SIGNATURE LANGLEY CASH BACK VISA SIGNATURE CONSUMER CREDIT CARD AGREEMENT LANGLEY SELECT - VISA PLATINUM LANGLEY REWARDS VISA SIGNATURE LANGLEY CASH BACK VISA SIGNATURE CONSUMER CREDIT CARD AGREEMENT Interest Rates and Interest Charges Variable Annual Percentage Rate (APR) Rates

More information

VISA CONSUMER CREDIT CARD AGREEMENT

VISA CONSUMER CREDIT CARD AGREEMENT VISA CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is

More information

DOWNRIVER COMMUNITY FEDERAL CREDIT UNION VISA BUSINESS CREDIT CARD AGREEMENT

DOWNRIVER COMMUNITY FEDERAL CREDIT UNION VISA BUSINESS CREDIT CARD AGREEMENT 1 DOWNRIVER COMMUNITY FEDERAL CREDIT UNION VISA BUSINESS CREDIT CARD AGREEMENT THIS IS YOUR AGREEMENT WITH DOWNRIVER COMMUNITY FEDERAL CREDIT UNION REGARDING RIGHTS AND RESPONSIBILITIES ASSOCIATED WITH

More information

VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SECURED CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SECURED CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SECURED CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account

More information

PRICING SCHEDULE. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases

PRICING SCHEDULE. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases PRICING SCHEDULE This is an example of terms that were available to recent applicants as of 3/31/15. They may not be available now. If you apply, your terms will be based on the terms of the offer when

More information

Travis County Credit Union MasterCard Credit Card Agreement & Truth in Lending Disclosure

Travis County Credit Union MasterCard Credit Card Agreement & Truth in Lending Disclosure Travis County Credit Union MasterCard Credit Card Agreement & Truth in Lending Disclosure Please retain for personal records This is your MasterCard Credit Card Agreement and Truth-In-Lending disclosure.

More information

0.00% Introductory APR for seven cycles

0.00% Introductory APR for seven cycles Account Opening Disclosures Interest Rates and Interest Charges St. Mary s Bank Visa Platinum Business Annual Percentage Rate (APR) for Purchases APR for Balance Transfers APR for Cash or ATM Advances

More information

CARD AGREEMENT. APRs Account APRs. For the APRs on your account, see the Fact Sheet. 8049189Y

CARD AGREEMENT. APRs Account APRs. For the APRs on your account, see the Fact Sheet. 8049189Y CARD AGREEMENT This Card Agreement is your contract with us. It governs the use of your card and account. The enclosed Facts About Interest and Fees ( Fact Sheet ) is part of this Agreement. Please read

More information

Business Credit Cardholder Agreement

Business Credit Cardholder Agreement Business Credit Cardholder Agreement 1. AGREEMENT. This Cardholder Agreement ( Agreement ) and the following documents (collectively, Cardholder Documents ) govern the possession and use of the Business

More information

CONSUMER CREDIT CARD AGREEMENT

CONSUMER CREDIT CARD AGREEMENT CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is incorporated

More information

VISA Platinum Disclosures

VISA Platinum Disclosures VISA Platinum Disclosures Annual Percentage Rate Grace Period for repayment of balances for purchases Method of computing the balance for purchases Annual fee See Current Rate Sheet 25 Days Average Daily

More information

VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Visa Credit Card Rates and Terms disclosure. The Fee Schedule means the Consumer Services Fee Schedule. The

More information

SEARS CARD DISCLOSURES. This APR will vary with the market based on the Prime Rate. Terms and Conditions of Offer

SEARS CARD DISCLOSURES. This APR will vary with the market based on the Prime Rate. Terms and Conditions of Offer Interest Rates and Interest Charges SEARS CARD DISCLOSURES Annual Percentage Rate (APR) for Purchases 25.24%. APR for Balance Transfers 25.24%. APR for Cash Advances 27.15%. Paying Interest Your due date

More information

1.99% Introductory APR for the first 6 Statement Closing Dates following the opening of your account.

1.99% Introductory APR for the first 6 Statement Closing Dates following the opening of your account. CREDIT CARD AGREEMENT FOR BEYOND SMALL BUSINESS MASTERCARD OF FIRSTBANK (THE AGREEMENT ) Interest rates and Interest Charges Annual Percentage Rate (APR) for Purchases 1.99% Introductory APR for the first

More information

CONSUMER CREDIT CARD AGREEMENT

CONSUMER CREDIT CARD AGREEMENT CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is incorporated

More information

Capital One Customer Agreement Welcome to Capital One Credit Limits Definitions Glossary Account Documents Using Your Account New Offers

Capital One Customer Agreement Welcome to Capital One Credit Limits Definitions Glossary Account Documents Using Your Account New Offers Capital One Customer Agreement Welcome to Capital One Thank you for opening a credit card account with us. This Customer Agreement including any changes to it ( Agreement ) contains the terms of your agreement

More information

Town & Country Federal Credit Union Visa CREDIT CARD AGREEMENT

Town & Country Federal Credit Union Visa CREDIT CARD AGREEMENT Town & Country Federal Credit Union Visa CREDIT CARD AGREEMENT In this Agreement the words you and your mean each and all of those who apply for the card or who sign the application. Card means a Visa

More information

TERMS AND CONDITIONS OF YOUR ACCOUNT

TERMS AND CONDITIONS OF YOUR ACCOUNT TERMS AND CONDITIONS OF YOUR ACCOUNT AGREEMENT - This document, aong with any other documents we give you pertaining to your account(s), is a contract that estabishes rues which contro your account(s)

More information

Visa Traditional Rewards Student Rewards Signature Non-Rewards

Visa Traditional Rewards Student Rewards Signature Non-Rewards Consumer Credit Card Agreement M-109698 Visa Traditional Rewards Student Rewards Signature Non-Rewards In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit

More information

VISA CONSUMER CREDIT CARD AGREEMENT

VISA CONSUMER CREDIT CARD AGREEMENT VISA CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is

More information

BBVA Compass Credit Card & Security Agreement (May Not Be Available to Residents of All States)

BBVA Compass Credit Card & Security Agreement (May Not Be Available to Residents of All States) BBVA Compass Credit Card & Security Agreement (May Not Be Available to Residents of All States) Thank you for choosing BBVA Compass! This Agreement contains the current terms and conditions of your Account.

More information

None None 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S.

None None 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. 1802 Normal Park Dr. Huntsville,Texas 77340 This Disclosure is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement. Please keep this attached to your LOANLINER Consumer

More information

First Technology Federal Credit Union Visa Platinum Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement

First Technology Federal Credit Union Visa Platinum Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement In this ( Agreement and Disclosure Statement ) the words: I, me, my and mine mean any and all of those who apply for or use the Visa Platinum Credit Card. First Tech, you, your and yours mean. Card means

More information

$25.00 or the amount of the transaction exceeding your credit limit, whichever is less.

$25.00 or the amount of the transaction exceeding your credit limit, whichever is less. ANG FEDERAL CREDIT UNION PO Box 170204 Birmingham, AL 35217 (205) 841-4525 Fax: (205) 841-4545 www.angfcu.org This Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card

More information

$1.00 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars

$1.00 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars FULDA AREA CREDIT UNION 205 N. St. Paul Ave. PO Box 329 Fulda, MN 56131 (507) 425-2544 Fax: (507) 425-2546 www.fuldaareacreditunion.com This Addendum is incorporated into and becomes part of your LOANLINER

More information

VISA PLATINUM AND VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM AND VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM AND VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure.

More information

Credit Card Agreement for Union Privilege Cards in Capital One, N.A.

Credit Card Agreement for Union Privilege Cards in Capital One, N.A. Credit Card Agreement for Union Privilege Cards in Capital One, N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. The Pricing

More information

MANISTIQUE FEDERAL CREDIT UNION CREDIT CARD AGREEMENT AND DISCLOSURES

MANISTIQUE FEDERAL CREDIT UNION CREDIT CARD AGREEMENT AND DISCLOSURES MANISTIQUE FEDERAL CREDIT UNION CREDIT CARD AGREEMENT AND DISCLOSURES Is this Agreement the words you and your mean each and all of those who agree to be bound by this Agreement; Card means a VISA credit

More information

VISA BUSINESS CREDIT CARD AND SECURITY AGREEMENT

VISA BUSINESS CREDIT CARD AND SECURITY AGREEMENT Important Notice About Changes to the Terms of Your Credit Card Account Please read this notice carefully and keep it for your records Effective September 9, 2012, the terms of the credit card account

More information

TWINSTAR CREDIT UNION PO BOX 718 OLYMPIA WA 98507-0718 (360) 357-9911

TWINSTAR CREDIT UNION PO BOX 718 OLYMPIA WA 98507-0718 (360) 357-9911 TWINSTAR CREDIT UNION PO BOX 718 OLYMPIA WA 98507-0718 (360) 357-9911 TwinStar Credit Union Visa Business Credit and Check Card Agreement THIS IS YOUR AGREEMENT WITH THE CREDIT UNION; PLEASE READ CAREFULLY.

More information

VISA CREDIT CARD APPLICATION AGREEMENT & TRUTH-IN-LENDING DISCLOSURE STATEMENT

VISA CREDIT CARD APPLICATION AGREEMENT & TRUTH-IN-LENDING DISCLOSURE STATEMENT VISA CREDIT CARD APPLICATION AGREEMENT & TRUTH-IN-LENDING DISCLOSURE STATEMENT In this agreement (called the "Agreement"), the words "we", "us" and "our" mean Zeal Credit Union and its successors and assignees.

More information

ALEC SELECT ALEC SELECT REWARDS ALEC SIGNATURE REWARDS CONSUMER CREDIT CARD AGREEMENT

ALEC SELECT ALEC SELECT REWARDS ALEC SIGNATURE REWARDS CONSUMER CREDIT CARD AGREEMENT ABBOTT LABORATORIES EMPLOYEES CREDIT UNION 401 N Riverside Dr Ste 1A Gurnee, IL 60031 800.762.9988 alecu.org ALEC SELECT ALEC SELECT REWARDS ALEC SIGNATURE REWARDS CONSUMER CREDIT CARD AGREEMENT In this

More information

9.90% CHIROPRACTIC FEDERAL CREDIT UNION VISA GOLD CREDIT CARD AGREEMENT AND DISCLOSURES Credit Limit: $ Account-Opening Credit Disclosures

9.90% CHIROPRACTIC FEDERAL CREDIT UNION VISA GOLD CREDIT CARD AGREEMENT AND DISCLOSURES Credit Limit: $ Account-Opening Credit Disclosures CHIROPRACTIC FEDERAL CREDIT UNION VISA GOLD CREDIT CARD AGREEMENT AND DISCLOSURES Credit Limit: $ Interest Rates and Interest Charges Annual Percentage Rate 9.90% (APR) for Purchases APR for Balance Transfers

More information

VISA APPLICATION www.coastccu.org

VISA APPLICATION www.coastccu.org VISA APPLICATION www.coastccu.org Card Type: (select one) Fixed Rate Variable Rate (select one) Visa Classic Visa Gold Member Number: Individual Account Joint Account APPLICANT NAME CO APPLICANT NAME SOCIAL

More information

STANDARD MASTERCARD AND PLATINUM MASTERCARD CONSUMER CREDIT CARD AGREEMENT

STANDARD MASTERCARD AND PLATINUM MASTERCARD CONSUMER CREDIT CARD AGREEMENT STANDARD MASTERCARD AND PLATINUM MASTERCARD CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure.

More information

VISA PLATINUM/VISA SECURED CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA SECURED CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA SECURED CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account

More information

VISA PLATINUM/VISA SECURED CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA SECURED CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA SECURED CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account

More information

THE HARVARD ALUMNI CARD AGREEMENT

THE HARVARD ALUMNI CARD AGREEMENT THE HARVARD ALUMNI CARD AGREEMENT Harvard Alumni World MasterCard PO Box 382609 Cambridge, MA 02138-2609 617-495-4460 www.huecu.org This Agreement sets forth the terms and conditions under which this Credit

More information

Visa Credit Card Cardmember Agreement

Visa Credit Card Cardmember Agreement Visa Credit Card Cardmember Agreement In this Agreement the words You, Your and Yourself mean each and all of those who apply for the card or who sign this Agreement. Card means the Visa Credit Card and

More information

$25.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.

$25.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. This Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement. Please keep this attached to your LOANLINER Consumer Credit Card Agreement. Interest Rates and Interest

More information

3.99% Introductory APR for a period of 12 billing cycles.

3.99% Introductory APR for a period of 12 billing cycles. This Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement. Please keep this attached to your LOANLINER Consumer Credit Card Agreement. Interest Rates and Interest

More information

VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT

VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

288451024_AgreementUP30412 CARDMEMBER AGREEMENT AND DISCLOSURE STATEMENT

288451024_AgreementUP30412 CARDMEMBER AGREEMENT AND DISCLOSURE STATEMENT 288451024_AgreementUP30412 CARDMEMBER AGREEMENT AND DISCLOSURE STATEMENT This document and accompanying Additional Disclosure Statement make up your Cardmember Agreement and Disclosure Statement and throughout

More information

ATB Financial MasterCard Personal Cardholder Agreement ( Agreement )

ATB Financial MasterCard Personal Cardholder Agreement ( Agreement ) ATB Financial MasterCard Personal Cardholder Agreement ( Agreement ) Effective December 1, 2014 10048253 1. INTRODUCTION 1.1. Definitions In this Agreement, the words: ATB means Alberta Treasury Branches,

More information

Credit Card Agreement for Best Buy Retail Cards in Capital One, N.A.

Credit Card Agreement for Best Buy Retail Cards in Capital One, N.A. Credit Card Agreement for Best Buy Retail Cards in Capital One, N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. The Pricing

More information

VISA CLASSIC/VISA SECURED/VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT

VISA CLASSIC/VISA SECURED/VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT VISA CLASSIC/VISA SECURED/VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure.

More information