Common Contracts

31 similar Cardmember Agreement contracts

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below.This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days af

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Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we w

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate Prime Rate + 10.99% to Prime Rate + 18.99% (APR) for Pay Over Time Feature This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Prime Rate + 25.99% Applies This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Your due date is at least 25 days after t

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate(APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days af

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we w

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we w

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we w

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that isreturned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we will ch

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days

Cardmember Agreement: Part 1 of 2 As of: 11/08/2018
Cardmember Agreement • September 10th, 2018

Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% - Prime + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that isreturned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we will cha

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% - Prime + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that isreturned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we will cha

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days a

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Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days af

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we w

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) make 2 late payments in 12 months; or3) any minimum amount due remains unpaid for 2 billing periods in a row. How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added automatically to a Pay Over Time balance, we w

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates on Pay Over Time Balance Annual Percentage Rate (APR) Prime Rate + 10.99% to Prime Rate + 18.99%This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Applies Prime Rate + 25.99%This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row.In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Interest Your due date is at least 25 days af

Cardmember Agreement: Part 1 of 2
Cardmember Agreement • September 10th, 2018

Interest Rates Annual Percentage Rate Prime Rate + 10.99% to Prime Rate + 18.99% (APR) for Pay Over Time Feature This is a variable APR. See Explanation of Variable Rates below. Penalty APR and When it Prime Rate + 25.99% Applies This is a variable APR. See Explanation of Variable Rates below. This APR will apply to all balances on your account if you:1) make a payment that is returned;2) do not pay at least the Minimum Payment Due by the Closing Date of the billing period in which it is due 2 times in 12 billing periods; or3) have any minimum amount due remaining unpaid for 2 billing periods in a row.How Long Will the Penalty APR Apply? If the penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the penalty APR will continue to apply until after you have made timely payments with no returned payments for 12 billing periods in a row. How to Avoid Paying Your due date is at least 25 days after t

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