Discover Card Member Agreement With NAF

8/3/2019 Discover Card Member Agreement With NAF

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DISC E R OCARD

Y OU R D IS C O VE R'" C A R DA C C O U N TCARDMEMBER AGREEMENT Pages 1-13

The terms and conditions of your Account . inc ludinghow we calculate finance charges. our fees and anArbitration of Disputes section. You have the right toreject the arbitrat ion provision with respect to yournew Account within 30 days after receiving your Card,as explained in the "Right to Reject Arbitration"section at page 12.

PRIVACY POLICY ................ Pages 13-16A summary of the persona l information we collect.when it may be shared with others and how wesafeguard the confidentiality and security ofinformation. You may limit our sharing of suchinformation with others as explained in section 4 ofthe Privacy Policy at page 15.

BILLING RIGHTS Pages 16-17Important information about your rights and ourresponsibi li ties under the Fai r Credi t Bi lling Act

DESCRIPTION OF COVERAGE ............. Pages 18-25The terms and condit ions of the Scheduled Air TravelAccident Insurance and the Secondary Rental CarColl is ion Coverage that is provided at no charge toyou when you use your Card to purchase airlinetickets or rent an automobile.

GLOBAL TRAVELER'S HOTLINE............. Page 25The terms and conditions of this free travel assistancebenefit,

2009 Discover Bank, Member FDIC TL21B,0509

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C A R D M E M B E R A G R E E M E N TP le as e r ea d th is A gre em en t c ar efu lly b efo re u sin g y ou r D is co ve rfl Ca rdA cco un t. It co nta ins th e te nn s a nd co nd ition s o f yo ur A cco un t. so me o fw hich m ay ha ve changed from ea rlie r m ate r ia ls p ro vide d to yo u. In theeven t o f an y d iffe re nc es . th is A gre em en t s ha ll c on tr ol. W e re sp ec t y ou rp r ivacy . S ee the P riv ac y se ction on page 9 and ou r P riva cy Po lic y fo ra d di ti on a l i nf or m atio n . T he A rb itra tion o f D is pu te s s ection o n pa ge 11inc lu de s a w aiver o f a n um be r o f rig ht s . ind ud in g th e r ig ht to a j u ry tr ial .T he R ig ht to R eje ct A rb itr atio n s ec tio n o n p ag e 12descr i ll es t he p ro ce du reyou m us t fo llow if yo u de sire to re je ct th e A rb itr atio n o f D is pu te s s ec tion .D E F IN I TI O NS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 2U S IN G Y O UR A C CO U N T. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 2Y ou r A cc ep ta nc e o f t hi s A gr ee m en t. . . . . . . . . . . . . . . . . . .. 2P er m it te d U s es o f Yo ur A cc ou nt .. .. ......... .... .. .. . 2P ro hib ite d U se s of Y ou r A cc ou nt. . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 3P ur ch as es a nd C a sh A dvan ces in F o re ig n C u rr en c ie s. . . . . . . . . . . . .. 3

C a sh A dvan ce s 3B a la n ce T r an s fe rs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3Cred i t Au t h o r iza t io n s. . . . . . . . . . . .. .. . . . . . . . . . . . . . . . . . 3Autho rize d U se rs .. . .. .. .. .. .. .. .. . .. .. .. .. . .. .. 3U na uth or iz ed U se . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . .. 3Y ou r C re dit L in es. . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . .. 4M A KI NG P A YM E N TS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 4P rom ise to Pa y .. . . .. .. .. . .. .. .. .. .. . . . .. .. .. . .. .. .. .. 4Month ly B illin g S ta te me nt. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4Mo nt hl y P ay m en t O p ti on s. . . . . . . . . . . . . . . . . . . . . . . 4Au tom atic B illin g A rran ge men ts . . . . . . . . . . . . . . . . . . . . . . . . .. 5Ho w W e A pp ly Pa ym en ts .... ................. .. .......... .. 5M in im um M on th ly P ay me nt. ............ ...... ............. 5S k ip - A P a yme n t O f fe r s. . . . . . . . . . . . . . . . . . . . . . . . . . . . . ... 5C r e di t B a l an c e s ................ ..... .......... ............ 5F IN A NC E CH A RG ES . .... .................................. ...... 5H ow We C a lc u la te P e ri od ic F in an ce C ha rg es ..... ....... ... ... . 5H ow W e C alc ula te Y ou r B ala nc es . . . . . . . . . . . . . . . . . . . . . . . . . . ... 6V a r i a b l e o r F ix e d I nt er es t R a te s. . . . . . . . . . . . . . . . . . . .. . . . . . . . .. 7D efau lt R ate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 7C a sh A dv an ce T ra ns ac ti on F ee F in an ce Cha rges . . . . . . . . . . . .. 7Ba lan ce T r a ns f er T r a ns a c tio n Fee F in ance C harge s. . . . . . . . . . .. 8Fo r ei gn C u rr en cy Tr an s ac ti on F e e F i n an c e C h ar ges ...... ......... 8Min imum F inan ce C harg e . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8FEES . .......... .... .. ... ... ......... ............ .... . ..... .. 8A nn ua l F ee ............... .. . ... ... .... .... .............. 8L a te F e e .... ........................ ........... ....... 8O ve rlim it F ee .. .... ............... .. ................. .. 8R e tu rn ed P aym en t Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8R e tu r ne d D i sc ove r C ard C he ck F ee . . . . . . . . . . . .. . . . . . . . .. 9Pa y- By -P ho ne F ee ... ... ... ... ... ............................. 9Re sea rc h F e e.. .. .. .. .. .. . .. .. .. . .. . . . . . . . . . . . .. 9D E FA U LT A N D C A NC E LLAT ION . . . .. . .. . .... ......... 9T yp es o f D efa ult. .... ........... ............................ 9C o ns eq ue nc es o f D efau lt. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 9C a nc e ll at io n . ................... ............ .... .. ..... 9P R IV A C Y A ND O UR COMMUN IC A T IO N S W IT H Y OU ...... ..... ..... 9O ur P rivac y Po l icy ......................................... ... 9Report ing to C re dit Re po r ti ng A ge nc ie s. . . . . . . . . . . . . . . 9O u r C omm un ica t ions w ith Y ou ..... ... .. ...... ........... 10R e le a si ng I nf or m a ti on A b ou t Y ou r A cc ou nt .......... .... 10- , -09CSPL.05BOICTL21 B0509.lndd 3-4 4130109 4:24:28 PM I


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E le c tro nic N otice s to Y ou , , " '" " """ ', "" , .. , 10N o tice s - C ha nge s to Y ou r In fo rm a tio n 10C L AIM S A N D D iS P UT ES .. "" "", .. , , .. 10M e rch an t D is p u te s , ." , " , , ,"" .. ', ,,1 0C la im N o tice s , , , .. 1 0A rb it ra ti on o f D i sp ut es , 1 1R ig h t to R e je c t A rb itra t io n 12L E G A L I N T E R P R E T AT I O NO F T H I S A G R E E ME N T . .. .. .. , . ...... ...... 13Severabil it y ............................. ................. 13C om p lia n ce w ith In te re s t R a te L im ita tio n s 13G o v e rn in g L a w . .. .. .. ........ ... ..... ....... . ...... ........ 1 3A SS IG NM EN T O F ACCO U N T 13C H ANG E S TO TH IS AG R EEM EN T 13

D E F I NmO NS" Ac co un t" m e a ns y o ur D i sc ov er C a rd A c co u nt ."A uth o riz ed U se r" m ean s a ny pe rso n w hom you au th o rize to u s e y ou rA cc ou nt o r a C ard , w h eth er y ou n otify u s o r n ot."C ard " m ea ns a ny on e o r m ore D is co ve r C ard s is su ed to y ou o r s om eo nee ls e w i th y o ur a u th o ri za ti on ." P ri ci ng S c h ed u le " m ea ns th e d oc um en t a cc om pa ny in g y ou r C ard a ndlis tin g th e F in an ce C h ar ge r ate s th at a pp ly to y ou r A cc ou nt. T he P ric in gS c he du le i s p a rt o f t hi s A g re em e n t."W e ," "u s" a nd 'o ur" re fe r to D is co ve r B an k, th e is su er o f y ou r D is co ve rCa rd ."Y ou ," 'y ou r" o r " yo ur s" r efe r to , in a dd itio n to y ou , th e C a rd m e m be r, a nyo th e r p e rs on o r p e rso n s w ho a re a ls o con tra c tu a lly lia b le u nde r th isAg re emen t .

U S IN G Y O U R A C C O U NTY ou r A cc ep ta nc e o f th is A gre em en t. T he u se o f y ou r A cc ou nt o r a C ard b yy ou o r a n A u th or iz ed U s er , or y ou r fa ilu re to c an ce l y o ur A cc ou nt w ith in 3 0d ay s a f te r r ec e iv in g a C a rd , m e a ns y ou a cc ep t t hi s A g re e m en t. i nc lu d in g t heA rb itr atio n o f D is pu te s s ec tio n o n p ag e 1 1. Y ou m a y, h ow ev er , r eje ct th eA rb itr atio n o f D is pu te s s ec tio n a s e xp la in ed o n p ag e 1 2.P er mitt ed U se s o f Y ou r A cc ou nt Y ou r A cc ou nt m a y b e u se d f o r: P ur ch as es - t o p ur ch as e o r le as e g oo ds o r s er vic es fr om p ar tic ip at in gm erch an ts b y p re se ntin g you r C ard o r A cc oun t n u mbe r o r b y u s in gp ro mo tio na l c he ck s, w hic h w e m ay fu rn is h to y ou , in a cc ord an ce w iths uc h a dd itio na l te rm s a nd c on ditio ns a s w e m a y o ff er fr om tim e to tim e . C as h A dv an ce s - to o bta in c as h a dv an ce s fr om p ar tic ip a ti ng a ut om a te dt el le r m a c hi ne s, f in a nc ia l i ns ti tu ti on s o r o th er l oc a ti on s, t he p u rc ha se o flo tte ry tic ke ts , r ac et ra ck w ag er s, v ou ch er s r ed ee m ab le fo r c as h o r fo rc as in o c hip s, m o ne y o rd er s, tr av ele r's c he ck s, s av in gs b on ds , fo re ig nc ur re nc y a nd w ir e tr an sfe rs , o r b y m e an s o f c he ck s w h ic h w e m a y f ur nis hto y ou , a ll i n a cc or da nc e w ith s uc h a dd itio na l te rm s a nd c on ditio ns a s w em ay o ffe r fro m tim e to tim e. B ala nc e T ra ns fe rs - t o tr an sfe r b ala nc es fr om o th er c re dito rs o r to m a keo th er tr an sa cti on s b y m e an s o f b ala nc e tr an sf er c ou po ns o r c he ck s, inaccordance with such addit ional terms and condi tions as we may offerfro m tim e to tim e.In a d ditio n , yo u r A ccoun t m ay b e u sed to gua ra n te e re s erva tio ns a tp ar ti ci pa ti ng e s ta bl is hm e n ts . Y o u w il l b e l ia bl e f or g ua ra n te ed r es er va ti on st ha t a re n o t c a nc el le d p ri or t o t he t im e s p ec if ie d b y t h e e s ta bl is hm e n t. Y o urA cc ou nt m ay b e u se d fo r p ers on al, fa mily , h ou se ho ld a nd c ha rita blep u rp o se s .

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P ro hib ite d U se s o f Y ou r A cc ou nt. Y ou r A cc ou nt m a y n ot b e u se d t o o bta inlo an s to p ur ch as e, c ar ry o r tr ad e in s ec ur it ie s, to p ay a ny a m ou nt y ou o weu nd er th is A gr ee m en t o r fo r a ny tr an sa ctio ns th at a re u nla w fu l w h er e y oure sid e o r w he re y ou a re p hy sic ally lo ca te d w he n y ou u se th e A cc ou nt toi ni ti a te t he t ra n sa c ti on ( "P r o hi bi te d T r an s a ct io n s ") .P u rc ha se s a nd C a sh A d v an c es i n F o re ig n C u rr en c ie s, I f y ou m a ke a p u rc ha seo r c as h a dv an ce in a fo re ig n c ur re nc y, it w il l b e c on ve rte d t o U .S . d olla rsu si ng e it he r a g ov e rn m en t- m an d at ed r at e, a g ov er nm e nt -p u bl is he d r at e o rthe interbank exchange rate, depending on the country and currencyinw h ic h th e tr an sa ctio n is m a de . T he ra te u se d w ill b e th e ra te in e ffe ct o nth e c on ve rs io n d ate fo r th e tr an sa ct io n, w hic h m a y b e d iff er en t th an th eT ra n sa c tio n D ate a s show n o n y ou r s ta tem en t. W e cha rg e a F ore ig nC urre nc y T ra ns ac tio n F ee F in an ce C ha rg e fo r e ac h p urc ha se m ad e in afo re ig n c urre nc y a s d es cr ib ed in th e F ore ig n C urre nc y T ra ns ac tio n F eeF in a nc e C h ar ge s s ec ti on o n p ag e 8 .C a sh A d va nc e s. W e m ay pe rio d ica lly o ffe r yo u spe c ia l ra te s on ca sha dv an ce s fo r th e tim e p er io d s pe cifie d in th e o ffe r, s ub je ct to th e D efa ultR a te s ec ti on . T h e o ff er m a y c on ta in a C a sh A d v an c e T ra n sa ct io n F e e F in a nc eC h ar ge fo r e ac h c as h a d va nc e. A fte r th e e xp ir atio n o f th e s pe cia l r ate , th es ta nd ar d A n nu al P e rc en ta ge R a te f or c as h a d va nc es w il l a p pl y.B ala nc e T ra ns fe rs . W e m a y p er io dic al ly o ffe r y ou th e o pp or tu nit y to m a keb a la nc e t ra ns fe rs f ro m o th er c re di to rs o rt o m a k e o th er t ra n sa ct io ns t o y ou rA cc ou nt b y m e an s o f b ala nc e tr an sfe r c ou po ns o r c he ck s. E a ch o ff er w i llc on ta in a n in itia l s pe cia l r ate , w hic h w ill b e th e A nn ua l P er ce nta ge R a teth at w ill a pp ly to tr an sfe rr ed b ala nc es fo r th e tim e p er io d s pe cifie d in th eo ffe r, su b je c t to th e D efa u lt R ate se ctio n a nd m ay c on ta in a B ala n c eT ra ns fe r T ra ns ac tio n F ee F in an ce C ha rg e fo r e ac h b ala nc e tr an sfe r m a ded ur in g th e te rm o f th e o ffe r, a s d is clo se d in th e o ffe r a nd a s s et fo rth in th eP ri ci ng S c he d ul e, i f a pp li ca b le . A ft er t he e x pi ra ti on o f t hi s t im e p e ri od , t heA n nu a l P e rc en ta g e R a te t ha t a pp li es fo r p ur ch a se s w il l a pp ly t o t ra ns fe rr edb a la nc es . B a la n ce t ra n sf er s s ub je c t t o t he i ni ti al s p ec ia l r at e a re r ef er re d t oa s s pe cia l r ate b ala nc e tr an sfe rs ; b ala nc e tr an sfe rs fo r w hic h th e in it ia ls pe ci al r at e h as e xp ir ed a re r ef er re d t o a s p ur ch a se r at e b a la nc e t ra ns fe rs .E ach o ffe r w il l c o nta in a n e xp ira tio n da te . If y o u a tte mp t to tra n s fe rb ala nc es b y m ea ns o f a c he ck a fte r th e e xp ira tio n d ate , w e w ill tre at th etra n sa ctio n a s a ca sh ad v an ce . W e w ill n o t m ake ba la n ce tra ns fe rsa tte m pte d b y m e an s o f a c ou po n a fte r th e e xp ir atio n d ate .C r ed it A u th o ri za ti on s. C e rt ai n t ra ns a ct io ns w il l r eq u ir e o u r a u th or iz a ti onp rio r to com ple tio n . In s om e ca se s , yo u m ay be a ske d to p ro v id ei de nt if ic a ti on . W e h a ve t he r ig ht n o t t o a u th or iz e a t ra ns a ct io n f or s ec ur it yo r o th er r ea so ns . A ls o, if o ur a uth or iz atio n s ys te m is n ot w o rk in g, w e m a yn ot b e a ble to a uth or iz e a tr an sa ctio n. W e w ill n o t b e lia b le to you if a nyo f t he se e ve nt s h a pp en .A u th o rize d U se rs . If y o u w an t to ca n c e l th e a u th o rity o f a cu rre n tA uth o rize d U se r to u se you r A ccoun t o r a C ard , yo u m us t n o tify u s andde s tro y an y C ard in th a t p e rs o n 's p o s se ss io n . Y ou can no tify u s b yt el ep h o ni ng 1 8 D O -D I S CO V E R( 1 8 00 - 34 7 2 6 83 ), o r b y w r it in ~ D i s co v er C a r d,P O B o x 3 0 9 43 , S a lt L ak e C i ty , U T 8 41 3 0- 09 43 . N o ne o f y o ur r ig h ts u nd e r t hi sA gre em en t (o th er th an to p ay a mo un ts o we d) m ay b e e xe rc is ed b y a nyp e rso n no t a pa rty to th is A gre em en t a c tin g pu rsu a n t to a p ow er o fa tto rn e y, w ith o u t o u r se pa ra te w ritte n ag re em en t (w hich w e a re no to bl ig a te d t o g iv e).U nau th o rize d U se . P rio r to its u se , e a ch C ard m us t b e s ig n ed b y th ep ers on to w ho m it is i ss ue d. If a C ard is lo st o r s to le n, o r if y ou th in k th ats om e on e is u sin g y ou r A cc ou nt o r a C ar d w ith ou t y ou r p er mis sio n, n oti fy

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u s im m ed ia te ly . Y ou c an no tify u s b y te le p hon in g 1 -8 0 G-O IS CO VE R( 1- 80 0 -3 47 -2 6 83 ), o r b y w r it in g D is co ve i'@ C a r d, P O B o x 3 09 43 , S a lt L ak eC ity , U T 8413 0-0 943 . Y ou ag re e to a s sis t u s in d e te rm in in g th e fa ctsre la tin g to a ny th eft o r p os sib le u na uth oriz ed u se o f y ou r A cc ou nt o r aC a rd an d to com ply w ith su ch p ro cedu re s a s w e m ay re q u ire inc on ne c ti on w it h o ur i nv es ti ga ti on .Y ou r C re dit L in es . W e w ill a dv is e y ou o f y ou r A cc ou nt c re di t lin e. W e m ayim p os e a lo we r lin e th at w il l a p pl y t o c a sh a d va nc e s, r ef er re d t o a s t he c as hadvance credit l ine. We may also imposea lower line that wil l apply tob a la nc e t ra ns fe rs , r ef er re d t o a s t he b al an c e t ra ns fe r c re d it l in e. Y o u a gr een ot to a llo w y ou r u np aid b ala nc e, in clu din g F in an ce C ha rg es a nd f ee s, toe xc ee d y o ur A c co u nt c re di t l in e. If y ou e xc ee d y ou r A cc ou nt c re dit lin e, w em a y r eq ue st im m e dia te p ay m en t o f th e a m ou nt b y w hic h y ou e xc ee d y ou rA c co u nt c re di t l in e.W e m a y in cr ea se o r d ec re as e y ou r A cc ou nt c re dit lin e, y ou r c as h a dv an cec re dit lin e o r y ou r b ala nc e tr an sfe r c re di t lin e w ith ou t n otic e. T he c re dita va ila ble fo r y ou r u se m ay , f ro m tim e to tim e, b e le ss t ha n y ou r A cc ou ntc re dit lin e. F or p ur po se s o f d ete rm in in g y ou r a va ila ble c re dit, w e r es er veth e r ig h t to p o s tp o ne fo r u p to 15 b us in e ss da ys re du cin g you r u np aidb ala nc es b y th e a mo un t o f a ny p ay me nt th at w e re ce iv e. Y ou r a va ila blec re dit w ill n ot b e in cr ea se d b y t he a m ou nt o f a ny c re dit b ala nc e.

M A K IN G P A Y M EN T SP ro m is e to P ay . Y ou a gr ee to p ay u s in U .S . d olla rs fo r a ll p ur ch as es , c as ha d va nc e s a nd b al an c e t ra ns fe r; i nc lu di ng a p pl ic ab le F in a nc e C h ar ge s a n do th er c ha rg es o r fe es , in cu rr ed b y y ou o r a ny on e y ou a uth or iz e o r p er m itto u se y ou r A cc ou nt o r a C ard , e v en if y ou d o n ot n otify u s th at o th er; a reu sin g y ou r A cc ou nt o r a C ard . If y ou p ay u s i n o th er th an U .S . do lla rs , w em ay re fu se to a ccep t th e p aym en t o r c ha rg e you r A ccoun t o ur co s t t oc on ve rt y ou r p ay m en t to U .S . d o ll ar s , A ll c he ck s m u s t b e d r aw n o n fu nd s o nd ep os it in t he U .S . Yo u m a y n ot u se a c as h a d va nc e c he ck , b ala nc e tr an sfe rc he ck o r c ou po n, o r a ny o th er p ro mo tio na l c he ck d ra wn o n a ny D is co ve rB an k c re dit c ard a cco un t to m ake pa y men ts o n you r A cco un t. If y o urA cc ou nt is a jo in t A cc ou nt, e ac h o f y ou a gr ee s to b e lia ble in div id ua lly a ndjo in tly fo r th e e ntir e a mo un t o we d o n y ou r A cc ou nt. W e c an a cc ep t la tep a ym en ts o r ~a rtia l p a ym en ts o r ch e c ks and m oney o rd e rs m arked" pa ym e nt in fu ll" o r w i th a ny o th er r es tr ic tiv e e nd or se m en t w ith ou t lo sin ga ny o f o ur r ig hts u nd er th is A gr ee m en t.M o nth ly B ill in g S ta te m en t. W e w ill s en d y ou a b illin g s ta te m en t a fte r e ac hm o nth ly b illin g p er io d in w hic h y ou h av e a d eb it o r c re dit b al an ce , u nle ssw e w aiv e o ur r ig ht to d o s o a s p erm itte d b y la w. T he b illin g s ta te me nt w ills h ow a ll p u rc ha s es , c as h a dv an c es , b ala nc e t ra ns fe rs , F in an ce C h ar ge s a n do th er c ha rg es o r fe es a nd a ll p ay me nts o r o th er c re dits p os te d to y ou rA cc ou nt d ur in g th e b illin g p er io d. I t w i ll s ho w y ou r N ew B al an ce , P ay m en tD ue D ate a nd M in im um P ay me nt D ue a s of th e e nd o f t he b illin g p erio d. Ify ou r p rio r m o nth 's p ay m en t is r etu rn ed u np aid , y ou r r eq uir ed M in im u mP ay m en t D ue m a y b e h ig he r th an s ho w n o n y ou r b illin g s ta te m en t. S ee th eM in im um M on th ly P ay me nt s ec tio n o n p ag e 5 .M on th ly P a ym en t O ptio n s . Y ou m ay a t a n y tim e p a y th e e n tire N ewBa la n ce s h own on y our b il li ng s ta tem en t, b u t e a ch mont h y ou mu st p a y a tle as t th e M in im um P ay me nt D ue a s d es cr ib ed in th e M in im um M on th lyP a y m e nt s e ct io n . A ll p ay m en ts m u st b e m a de in a cc or da nc e w ith th e te rm s ,in c lu d in g th e pa ym en t cu to f f t im e, s ta te d on you r m on th ly b illin gs ta te m en t, a nd w e w ill c re dit y ou r A cc ou nt in a cc or da nc e w ith th os e te rm s .In a dd itio n, w e r es er ve th e r ig ht to c ha ng e th os e t er ms w ith ou t p rio r n oticea s p e rm itt ed b y la w .

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09CSPL_05BOK_TL21 B0509.indd 7-8

A uto ma tic B illin g A rra ng em en ts . If y ou r A cc ou nt n um be r a nd lo r C arde xp ira tio n d ate c ha ng es a nd o ur re co rd s in dic ate y ou h av e a uto ma ticb illin g e sta blis he d w ith a m erc ha nt, w e w ill a tte mp t to p ro vid e y ou r n ewA c co un t i nf or m at io n t o t ha t m e rc ha n t. T o e n su re u n in te rr up te d b il li ng , w er ec om m e n d t ha t y ou v er if y t he m e rc ha n t h as y o ur n e w A c co un t i nf or m at io n.Y ou m us t c on ta ct th e m erc ha nt d ire ctly if y ou d o n ot w is h to c on tin ue th ea u to m a ti c b il li ng a r ra n g em e n t.H ow W e A pp ly P ay me nts . W e w ill a pp ly p ay me nts a nd c re dits to th e N ewBalance shown on your current bil ling statement in order of the AnnualP e rc en ta g e R a te a p pl ic ab le t o t he b al an ce o f e ac h t ra ns a ct io n c at eg o ry ( asr ef er en ce d i n t h e F in a nc e C h a r ge s s ec ti on ), g e ne ra ll y f ro m l ow e st t o h ig he s tb eg in nin g w ith th e b ala nc e s ub je ct to th e lo w es t A nn ua l P er ce nta ge R ate .W e th en a pp ly p ay me nts a nd c re dits to a ny n ew tra ns ac tio ns u sin g th es am e m e th od . H ow ev er , w e h av e t h e r ig ht to a pp ly p ay m en ts a nd c re dits tob a la nc es w it h h ig he r A n nu a l P e rc en ta ge R a te s p r io r t o b al an c es w it h l ow e rA nn ua l P er ce nta ge R ate s, s uc h a s w h en th er e a re tw o in itia l s pe cia l r ate sa pp lic ab le to y ou r A cc ou nt a nd th e lo we r A nn ua l P erc en ta ge R ate w ille xp ir e b efo re th e h ig h er A n nu a l P e rc en ta ge R a te .M in im um M on th ly P ay me nt T he M in im um P ay me nt D ue e ac h m on th w illb e t he g re ate r o f: th e N ew B ala nc e if it is l es s t ha n $ 15 ; $ 15 if th e N ew B ala nc e is $ 15 o r m or e; o r a ny p as t d ue a mo un t p lu s t he g re ate r o f:'2 % o f th e N ew B ala nc e ( ex clu din g c ur re nt P er io dic F in an ce C h ar ge s,L ate a nd O v er lim it F ee s) r ou nd ed u p to th e n ea re st d olla r o r c ur re nt P e ri od ic F in an ce C h ar ge s p lu s L a te a n d O v er lim it F ee s plu s $ 15(n o t to e xceed 3% o f th e N ew B ala n ce ) ro u n ded up to th e n ea re s t

do l la r .W e m ay a lso in c lu d e so me o r a ll th e am oun t b y w hich you e xc eed yo urA ccoun t c re d it l in e . If m ore th a n 90% o f you r N ew B ala nce con sis ts o fs pe cia l- ra te b ala nc e tr an sfe rs , w e m a y, a t o ur d is cr etio n, in cr ea se y ou rM in im um P aym en t D u e to a m ax im um o f 4% o f th e N ew B a la n ce if itw o ul d o th er w is e b e l es s th a n t ha t. W e m a y s ub tr ac t c er ta in f ee s t o c al cu la teth e M in im um P ay me nt D ue . T he M in im um P ay me nt D ue w ill n ev er e xc ee dth e N e w B ala nc e. P ay in g t h e M in im u m P ay m en t D ue m a y b e in su ffic ie nt tob r in g you r A ccoun t b a la n c e be low you r A ccou n t c re d it lin e a nd ,c on se qu en tly , m a y n ot a vo id th e i mp os iti on o f a n a dd itio na l O v er lim it F eed es c ri be d i n t he O v er li m it F e e s e ct io n.S kip -A -P ay me nt O ffe rs . W e m ay fr om tim e to tim e a llo w y ou to n ot m ak ea m in im um m on th ly p a ym en t a nd w ill n o tify y o u w hen th is o p tio n isa va ila ble . If y ou ta ke a dv an ta ge o f th is o ffe r a nd d o n ot m a ke a m in im u mm o nt hly p ay m en t, fin an ce c ha rg es a nd a ny a pp lic ab le fe es w ill a cc ru e o ny ou r A cc ou nt in a cc ord an ce w ith th is A gre em en t a nd y ou m us t p ay th eM in im u m P ay m en t D ue fo r th e fo llo w in g b ill in g p er io ds .C re dit B al an ce s. W e w ill r efu nd a ny c re dit b ala nc e w ith in s ev en b us in es sd ay s f ro m re ce ip t o f y ou r w ritte n re qu es t. If y ou d o n ot r eq ue st a re fu nd ,w e w il l a u to m a ti ca ll y r ef un d c re di t b al an c es g re a te r t ha n $ 1 t ha t r em a in iny ou r A cc ou nt a fte r 6 m o nth s.F I N A N C E CH A RG E SH ow W e c al cu la te P er io dic fin an ce C ha rg es . W e b eg in to im p os e P er io di cF in an ce C ha rg es o n a ll tra ns ac tio ns fro m th e T ra ns ac tio n D ate fo r th etra ns ac tio n a s s ho wn o n y ou r b illin g s ta te me nt, u nle ss a tra ns ac tio n isp o s te d to you r A ccoun t a f te r th e c lo se o f th e b illin g p e rio d in w hich ito cc ur s, in w h ic h c as e w e b eg in to im p os e P er io dic F in an ce C h ar ge s o n th attra ns ac tio n fro m th e f irs t d ay o f th e b illin g p erio d in w hic h it is p os te d toy ou r A cc ou nt. W e c on tin ue to i mp os e P er io dic F in an ce C ha rg es u ntil th e- 5 -

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d ate y ou p ay y ou r e nt ir e N e w B ala nc e, b y m a kin g p ay m en ts o r r ec ei vin gc re dits . H ow ev er, if y ou p aid th e N ew B ala nc e o n y ou r p re vio us b ill in gst ate m en t b y t h e P ay m en t D u e D ate s ho w n o n th at b ill in g st ate m en t a ndy ou p ay th e N ew B ala nc e b y t he P ay m en t D u e D a te o n y ou r c urr en t b illi ngs ta te m en t, w e w i ll n o t i m po se P e ri od ic F in an c e C h ar ge s o n n e w p u rc ha se s,th at is , p urc ha se s f irs t a pp ea rin g o n t he c ur re nt b il lin g s ta te m en t. W e c al lth is t he " gr ac e p eri od ." T he re i s n o g ra ce p er io d o n b al an ce t ra ns fe rs o rc a s h a d v a n c e s.We sort your transac tions int o groups o f p u r ch a se s . cash advances, andb al an ce t ra ns fe rs a nd t he n f ur th er s or t t he t ra ns ac ti on s w it hi n e ac h g ro upb y th eir A nn ua l P erc en ta ge R ate . F or e xa mp le , p urc ha se s su bje ct to ap rom otio na l ra te a nd purch ases su bje ct to a s tan dard ra te w ou ld b es ep a ra te g ro u ps . W e r ef er t o t he se g ro u ps a s t ra n sa ct io n c at eg o ri es . A t t hee nd o f e ac h b ill in g p erio d, w e c om pu te b ala nc es a nd P erio dic F in an ceC h ar ge s f or e ac h d ay o ft he b il li ng p er io d f or e ac h t ra ns ac ti on c at eg o ry . W eu se th e fo llo w in g e qu atio n t o c om p ute P er io dic F in an ce C ha rg es fo r e ac htransaction category:

( A v er a ge D a i ly B a l an c e ) t im e s ( d ay s i n b i ll in g p e ri o d) t im e s(Da i ly P e r io d i c Ra t e ).( Y ou m a y r ef er t o t he f in an c e c h ar ge s um m a ry o n y o ur b il li ng s ta te m en t f orth ese a mo un ts .) T he n w e a dd u p th e P er io dic F in an ce C ha rg es fo r e ac htr an sa ctio n c at eg ory to g et t he t ot al P eri od ic F in an ce C h ar ge s f or y ou rA c co un t. T h e A v er ag e D a il y B a la n ce is s how n as z ero if , b ecau se o f th eg race p eriod , no Pe riod ic F inan ce C harges app ly to th e ba lance in at r an s a c ti o n c a t e go r y .H ow W e C alc ula te Y ou r B ala nc es . W e u se th e A ve ra ge D aily B ala nc e( in cl ud in g n ew t ra ns ac ti on s) m e th od o f c a l cu la ti ng t he b al an ce u p on w h ic hw e im po se P er io dic F in an ce C ha rg es . W e c om pu te th e A ve ra ge D ailyB a la n ce f or e ac h t ra ns ac ti on c at eg or y b y a dd in g u p a ll t h e d ai ly b a la n ce s i na b illin g p erio d fo r a tra nsa ctio n c ate go ry a nd d iv id in g th e to ta l b y th en um be r o f d ay s in th e b ill in g p er io d. W e c om pu te th e d aily b ala nc e fo re ac h tr an sa ct io n c ate go ry o n e ac h d ay b y f ir st a dd in g th e fo llo w in g t o th ep re v io u s d a y' s d a il y b a la n ce : t ra ns ac ti on s w i th a T ra ns ac ti on D a te o f t ha td ay a s s h o w n o n y o ur b il li ng s ta te m en t, u n le ss t he t ra ns ac ti on i s p o st ed t oy o ur A c co u nt a ft er t he c lo se o f t h e b il li ng p e ri od i n w h ic h i t o c cu rs , i n w h ic hc as e t h e tr an sa ctio n w ill b e a dd ed to t he d aily b al an ce a s o f th e fi rs t d a y o fth e b ill in g p eri od i n w h ic h it is p o ste d t o y ou r A cc ou nt, fe es c ha rg ed th atd ay a nd P erio dic F in an ce C ha rg es a cc ru ed o n th e p re vio us d ay 's d ailyb a la n ce ; a n d b y t h en s ub tr ac ti ng a ny c re di ts a nd p ay m en ts t ha t a re a pp li eda ga in st t he b a la nc e o f t he t ra ns ac ti on c at eg or y o n t ha t d a y. I n c a lc u la ti ngth e d aily b ala nc e fo r th e firs t d ay o f th e b ill in g p er io d, w e c on sid er th e"p rev iou s da y's d aily ba lanc e" to hav e b een yo ur ba lance fo r eacht ra ns ac ti on c at eg o ry o n t he l as t d a y o f y o u r p re v io u s b il li ng p e ri od .A ll fee s charge d to y ou r A ccou nt a re add ed to the s ta nda rd p urchaset ra ns ac ti on c at eg o ry w it h t he e xc ep ti on o f C a sh A d va n ce T ra n sa ct io n F eeF in ance C harg es w hich are add ed to th e ap p licab le cash ad vanc et ra n sa c ti on c a te g o ry a n d B a la n c e T r an s fe r T r an s ac ti o n F e e F i na n c e C h a rg e sw h ic h a re a dd ed to th e a pp li ca bl e b ala nc e t ra ns fe r t ra ns ac ti on c ate go ry .W h en th e s pe cia l r ate e xp ir es , w e m o ve th e u np aid b al an ce o f t h e b ala nc et ra ns fe r a nd t he B a la nc e T ra ns fe r T ra ns ac ti on F e e F in an c e C h ar ge s t o t hes ta nd ar d p urc ha se t ra ns ac tio n c ate go ry . H o we ve r, i f t he s pe cia l ra te h asb ee n te rm in ate d u nd er th e D efa ult R ate se ctio n, w e le av e th e u np aidb al an ce o f th e b ala nc e tr an sf er a nd th e B a la nc e T ra ns fe r T ra ns ac ti on F eeF in a nc e C h ar ge s i n t he a pp li ca bl e b al an ce t ra ns fe r t ra ns ac ti on c a te g or yu n ti l t he s pe c ia l r at e w o ul d h av e e x pi re d .

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09CSPL_05BOK_TL21 B0509.lndd 910

V a r ia b le o r F i xe d I n te re s t R a t es . T h e D a i ly P e ri od i c R a te a n d c o rr e sp o n di n gA n n ua l P e rc e nt ag e R a te t ha t a p pl y t o e ac h t ra ns ac ti on c at eg o ry a re e it he rf ix ed r ate s o r v ar ia ble ra te s a s s et fo rt h in y ou r P ric in g S ch ed ule o r in a nys pe c ia l o ff er s y o u r ec e iv e f ro m u s. T h e D a il y P e ri od ic R a te i s 1 1 36 5t h o f t hec o rr es po n di ng A n nu al P e rc en ta ge R a te . V a ri ab le A n nu al P e rc en ta ge R a te sa re d ete rm in ed b y a dd in g a s pe ci fi ed n um b er o f p er ce nt ag e p oin ts to th eP ri m e R a te . T h is i s s ho w n o n t he P ri ci ng S c he d ul e a s " Pr im e t ( pe r cen t agep o in ts ). " F o r p u rp o se s o f t h is A g re e me n t, t he P ri m e R a te i s th e h ig he st r at eo f i nt er es t l is te d a s t h e " pr im e r at e" i n t he M o n ey R a te s s e ct io n o f T he W a llS t re e t J o u rn a l o n the las t b us in ess da y of th e m on th . T he P rim e R ate ism e re ly a p ric in g i nd ex a nd d oe s n ot re pre se nt t he l ow e st o r b es t in te re stra te a va ila ble to a b orro we r a t a ny b an k a t a ny g iv en tim e. If y ou h av e av ar ia b le r at e, y o ur A n n ua l P e rc e nt ag e R a te w i ll i nc re as e o r d ec re as e w h enth e P rim e R a te c ha ng es . T hi s c h an ge w ill b e e ffe ctiv e b eg in ni ng w it h th ef irs t d ay o f th e b ill in g p erio d th at b eg in s d urin g th e sa me m on th a s t hec ha ng e i n t he P rim e R at e. A n i nc re as e i n t he A nn ua l P erc en ta ge R at e m a yi nc re as e y o ur M i ni m um P a ym e n t D u e.D efa ult R ate . E ac h t im e y ou d o n ot m ak e a re qu ire d p ay me nt o n tim e (a" D efa ult R ate E ve nt ") , w e m a y in cre as e th e s ta nd ar d A n nu al P erc en ta geR a te s f o r p ur ch a se s, b a la n ce t ra ns fe rs a n d c as h a d va n ce s t o a v ar ia b le r at ee qu al to th e P rim e R ate + u p to 2 7.9 9% , b ut s uc h ra te w ill n ev er e xc ee d2 9.99% (th e "D efau lt R ate" ). A t the sam e tim e, a ny sp ec ia l ra tes onp u rc ha se s, b al an ce t ra n sf er s o r c a s h a d va n ce s w il l e n d a nd t he D e fa u lt R a tem a y a pp ly . T h e m a xi mu m D e fa ult R ate w h ic h w o uld c ur re ntl y a pp ly i s se tfo rt h in y ou r P ric in g S ch ed ule . W e w il l b a se y ou r D ef au lt R ate o n fa ct or ss u ch a s : y ou r c ur re nt A P Rs y ou r p ay m en t h is to ry w it h u s y o ur g en e ra l c re di t h is to ryA n y i nc re as ed ra te w il l a pp ly b eg in ni ng w ith t he fi rs t d ay o f t he b ill in gp erio d in w hich w e d id n ot rece ive at least the M inim um Paym en t D ue b ythe Pa ym en t D ue D ate . I f yo ur s tanda rd A nn ua l P ercen tage R ate fo rp u rc ha se s w a s i nc re as ed u nd e r t hi s o r a n y p re vi ou s v e rs io n o f t he D e fa u ltR ate se ctio n a nd , fo r a ny n in e c on se cu tiv e b illin g p erio ds th ere af te ra no th er D e fa ult R a te E ve nt d oe s n ot o cc ur, th en y ou r A n nu al P er ce nta geR a te fo r y ou r n ew p ur ch as es w ill b e re du ce d t o a l es se r v a ria ble r ate w h ic hm ay b e h ig he r th an y ou r p re vio us s ta nd ard A nn ua l P erc en ta ge R ate fo rp urc ha se s a nd y ou r A n nu al P er ce nt ag e R a te fo r y ou r e xis tin g p ur ch as eb ala nc e m a y b e r ed uc ed to a le ss er v ari ab le r at e w h ic h m a y b e h ig he r th any o ur p re vi ou s s ta n da rd A n nu a l P e rc en ta g e R a te f or p u rc ha se s. A n y r e d uc edA n nu al P erc en ta ge R ate s o n n ew a nd e xis ti ng fu rc ha se s m a y b e d if fe re nta nd w il l a p pl y b eg in nin g w ith th e f irst d ay 0 y o ur t en th b il li ng p e ri od .H o w ev er , i f a D e fa ul t R a te E v en t o c c ur s i n t h e t en th b il li ng p e ri od , a D e fa u ltR a t e w i ll a p p ly .C a s h A d v a nc e T r an s ac ti o n F e e F i na n c e C h a rg e s. U n l es s o t h e rw i se s p ec i fi e di n a c a sh a d va n ce o ff er , w e w i ll c h a rg e y o u a C a sh A d va n ce T ra ns ac ti on F e eF IN A NC EC H AR G Eo f 3 % o f t he a mo un t o f e ac h n ew c ash a dv an ce w ith am in im u m C a sh A d va nc e T ra ns ac tio n F ee F IN A N CEC H A RG Eo f $ 5 a nd n om ax im um . T he im po sitio n o f C ash A dv an ce T ra nsa ctio n F ee F in an ceC h arg es m a y r es ul t in a n A n nu al P erc en ta ge R ate fo r c as h a dv an ce s t ha t ish igher than the n om in al A nn ua l Pe rcen tag e R ate . A ll fo rm s o f c asha dv an ce s, in clu di ng th e u se o f D is co ve r C ar d c he ck s, re ga rd le ss o f th ep urp ose fo r w hic h u se d, a re su bje ct to C ash A dv an ce T ra nsa ctio n F eeF in an ce C ha rg es . T o o b ta in t he to ta l F in an ce C h ar ge o n c ash a dv an ce s fo re ac h b illi ng p er io d, w e a dd a ny C as h A d va nc e T ra ns ac tio n F ee F in an ceC ha rg es f or t he b ill in g p er io d c ha rg ed u nd er t his s ec ti on to a ny P erio di c

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F in a nc e C har ge s c al cu la te d u nd er t he P er io d ic F in an ce C h ar ge s s ec ti o n fo re a c h c a s h a d v a nc e t ra n s a ct io n ca te go ry a nd a dd u p t he se a m ou nt s.B al an ce T ra ns fe r T ra ns ac ti on F e e F in an ce C h ar ge s. I f t he b ala n ce t ra ns fero ffe r y ou r ec eiv e c on ta in s a B ala nc e T ra ns fe r T ra ns ac tion F ee F ina nc eC ha rg e, w e w ill c ha rg e y ou a B ala nc e T ra ns fe r T ra ns ac tio n F ee F in an ceC ha rg e fo r th e a mo un t o f e ac h b ala nc e tr an sfe r m a de u nd er th at o ffe r. Ift he re is a B al an ce T ra ns fe r T ra ns ac ti on F ee F in an ce C h ar ge i n c on ju nc ti onw ith th e o ffe r y ou rec eive d w he n y ou a pp lied fo r a n A c cou nt it w ill b e inth e a mo un t s et fo rth in th e P ric in g S ch ed ule . T he im po sitio n o f B ala nc eT ran s fe r T ran sac tio n F ee F in an ce C harg e s m ay re su lt in a n A nnua lP er ce nta ge R ate fo r b ala nc e tr an sfe rs th a t is h ig h er tha n th e nom ina lA n nu al P er ce nt ag e R a te . T o o bt ai n the to ta l F in an ce C ha rge on ba la ncet ra ns fe rs f or e ac h b ill in g p er io d, w e a dd a ny B ala nc e T ra ns f e r T r a n sa c ti o nF e e F i n a nc e C h a rg e s c a lc u la te d u n de r t he P e ri od ic F i na n ce C h a rg e s s e ct io nf or e ac h b ala nc e t ra ns fe r t ra ns ac ti on c at eg or y a nd a dd u p t he se a m ou nts .F o re ig n C u rr en cy T ra ns ac ti on F e e F in an ce C h ar ge s. W e w ill c harg e y ou aF o re ig n C u rr e nc y T r an s ac tio n F ee F IN A NC E C H AR G E of 2% o f th e u . s . do l la ram oun t o f e ach purc ha se m a de in a fo re ig n c ur re ncy. Th e im p os it io n o fFo re ig n C u rr en cy T ra ns ac ti on F e e F in an ce C h ar ge s m a y r esu lt in a n A nn ua lP e rc en ta ge R a te f or p u rc h as e s t ha t is h ig he r tha n th e nom in al A nn ua lP e rc e nt ag e R a te . T o o b ta in th e to ta l F in an ce C h ar ge o n p urch as es fo r e achb il li ng p e ri od , w e add an y F o re ig n C ur re nc y T ra ns ac tio n F ee F in an ceC ha rg es fo r th e b illin g p er io d c ha rg ed u nd er th is s ec tio n to a ny P er io dicF in an ce C h ar ge s c al cu la te d u nd er t he P e ri od ic F in an ce C h ar ge s s ec ti on fo re ac h p ur ch as e t ra ns ac ti on c at eg or y a nd a dd u p t he se a m ou nt s.M in im um F in an ce Cha rg e , W e w ill c h arg e you a m in im um F IN AN CEC H AR G E o f $ .5 0 f or a ny b illin g p er io d in w hic h P erio dic F in a nc e C h a rg e s o fl e ss t h a n 5 .5 0 wo ul d o th erw is e be im po sed .

FE ESA nn ua l F ee . I f y ou r P ric in g S c he d ul e a c co m p an y in g your C ard in c l ud es a nA nn ua l F ee , w e w ill c ha rg e y ou a n A n nu al F ee i n th e a mo un t in dic ate d. W ew i ll c h ar ge yo u th is fe e w he n w e o pe n y ou r A cc ou nt a nd a t th e b eg in nin go f e ac h an nive rs ary ye ar y ou r A cc oun t is o pe n. T he A nn ua l F ee is no tr ef un da bl e, e xc ep t a s p r ov id ed b y l aw .L a te F e e. W e w ill c ha rg e y ou a L ate F ee i f y o u h av e f aile d, a s ofth e P ay m en tD u e D a te , to m a ke th e M in im um P ay me nt D ue th at w as r eq uire d to be pa idfo r th a t b ill in g p e riod . T he a mou nt o f t he L ate F ee is ba se d o n th e su m ofa ll ou t st an d in g p u rc h as e s, c a s h a d v a nc e s. ba la nc e t ra ns fe rs, o th e r c h ar g es ,o th er f ee s a nd F in an ce C ha rg e s a t th e end o f th e b ill in g pe riod fo r w h ichw e d id n ot re ce ive tim el y p ay m en t. If th e s um is $25 0 o r le ss, t he f ee is $19 ;i f i t i s g r e at er th an 1 250, t he fe e is $ 39 .O ve rlim it F ee . W e w ill c ha rg e y ou a n O ve rlim it F ee e a ch tim e th at, a s o f t hec lo se o f a b illin g p er io d, y ou r o uts ta nd in g A cc ou nt b ala nc e e xc ee ds y ou rA cc ou nt c re dit lin e. T his fe e m ay b e c ha rg ed e ve n if th e tr an sa ctio n w hic hc au se s y ou to e xc ee d y ou r A cc ou nt cred it line is au th oriz ed b y u s o r if y oue xc ee d y ou r A c co un t c re dit lin e d ue to the po s tin g o f F in an ce C h ar ge s o rf ee s t o y ou r A c co un t. T h e a m ou nt of the O verl i rnit F ee is b as ed on the sumo f a ll o uts ta nd in g p ur ch as es , c as h ad van ce s, b al an ce t ra ns fe rs , o th erch a rg e s, o th er fe es a nd F in an ce C h ar ge s a t t he en d o f th e b illin g p er io d. Ifthe sum is e q ua l to o r le ss t ha n $5 00 and you e xc ee d you r c re d it l in e , t heOve r lim it F ee is $1 5. If th e s um is g re ate r th an $ 50 0 an d y ou e xc ee d y ou rc re di t l in e, t he O v er li m it F ee i s $ 3 9.R etu rn ed P ay m en t F ee , W e w ill c ha rg e y ou a R etu rn ed P aym e nt F ee o f $3 5ea ch tim e you pa y us w ith a che ck o r o th er in st ru m en t th at i s r et ur ne du np ai d. T his fe e w ill a ls o a pp ly if a d eb it tra ns ac tio n to a d ep osit a cc ou ntf rom which yo u ha ve a ut ho rize d u s in w rit in g , e lec t ron ica l ly or o ra l ly to

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period ica lly d edu c t a ll o r a p a rt o f a n am oun t you owe us unde r th isAg re emen t is r e tu r n ed un pa id . W e w ill c ha rg e you thi s fee the fir st t im ea ny p aym en t is r e tu rn ed u np aid , e ven if it is p aid u p on r es ub mis s ion .R e tu rn ed D is co ve r C a rd C h ec k F ee . W e w il l c ha rg e you a R etu rn ed D isco ve rC a rd C h e ck fe e o f $35 each tim e w e de cline to h ono r a D is cov er C ard ca sha dv an ce c he ck , b ala nc e tr an sfe r c he ck , p ro mo tio na l p ur ch as e c he ck , o ro th er p ro m ot io na l c he ck .P ay -B y- Ph on e F e e. W e m ay from tim e to tim e a llo w y ou to m ak e pa ym en tsb y au th oriz ing us ove r th e te lep hone to tra n sfe r o r p ay fu n d s from ad ep os it a cco un t to yo ur Accou nt. W e w ill c ha rg e a P ay -By -Pho ne F ee o f $1 0for e ac h s uch trans fe r o r pa ymen t .R e se ar ch F e e. W e m ay cha rg e yo u a R ese arch Fee o f $5 f or ea ch copy o f ab il lin g s ta te m en t o r s al es s l ip t ha t yo u r eq ue st . H ow eve r, w e w ill n ot c ha rg ea fe e if y ou r eq ue st c op ie s In c on ne ctio n w ith a b illin g e rr or .

D E F A U LT A ND C A NC E LL A T IO NT yp es o f D efau lt Y ou a re in d efau lt if y ou be co me in so lv en t; if y ou file ab an kr up tc y p et it io n o r h av e o ne f il ed a ga in st y ou ; i f w e h av e a r ea so na bleb e li ef t ha t yo u a re u na ble o r un willin g to r ep ay y ou r o blig atio n s to u s ; ifyo u a re de cl ar ed i nc o m pe ten t b y a cou rt o r if a co u rt a pp oin ts a g ua rd ia nfor you o r a con se rva to r for yo ur a ss ets; if you d ie ; if y o u fa il to c om ply w iththe te rm s o f t his A gr ee m en t, in c lud ing fa lling to m ake a requ ire d pa ym en tw hen due , e xceed ing you r A ccoun t c red i t lin e or u s in g you r C a rd orA cc ou nt f or a P ro hi bi te d T ra ns ac ti on ; o r if yo u fa il to m ake a re qu ire dp ay me nt w hen du e on a ny o th er a cc ou nt yo u h av e w i th u s.C on se qu en ce s o f D efa ult If y ou a re in d efa ult, w e m ay d e cl ar e t he e n ti reb al an ce o f y ou r A c co un t im m e di ate ly d ue a nd p aya bl e w it ho ut n oti ce . If w er ef er t he c oll ec ti on o f y ou r A c co un t to a n a tt orn ey o r e m plo y a n a tt or ne y t or ep r es e nt u s w ith reg ard to re co ve ry o f m oney th a t yo u owe us , w e m aych ar ge y ou r ea so na ble a tto rn e ys ' fe e s a nd co urt o r o th er c oll ec tio n c os t s a sperm itted b y l aw a nd a s a c tu ally in cu rred by u s, i nc lu di ng fe es a nd c os ts inconnect ion w ith a ny a ppe al. W e m ay d ela y e nfo rc in g o r n ot e nfo rc e a ny o fo ur r ig h ts u n de r t hi s A g re e m en t w ith ou t lo sin g o r w a iv in g a ny o f th em .C an ce lla tio n. Y ou m ay c an ce l y ou r A cc ou nt b y n otify in g u s i n w rit in g o r b yte le ph on e a nd r etu rn in g o r d es tr oy in g e ve ry C ar d a nd u nu se d c he ck th atw e h av e p rov id ed you . You can no tify u s b y t el ep h on in g 1 -8 0 0- D IS CO V E R( 1- 80 0 -3 47 - 26 8 3) , o r b y w r it in g D i sc ove r C a rd , P O B o x 30943 , S a lt L a ke C i ty ,U T 8 41 30 -0 04 3. O f c ou rse , yo u w ill s till b e re spon sib le to p ay an y amoun tyo u ow e us a cco rd in g to th e te rm s of th is A gree m ent. If y o ur A cc ou nt is ajo in t A cc ount e ithe r C ard mem ber m ay can ce l th e Ac coun t, b u t yo u w illb o th re ma in r es po ns ibl e to pa y any am ount ow e d to u s a c co rd in g to th ete rm s of th is A gre em ent. W e m ay c an ce l o r s us pe nd y ou r A ccoun t a t an yt im e w it ho ut n ot ic e. W e m ay ch oo se n ot to re ne w y our A cc ou nt (b eyo ndth e e xp ir atio n d ate s ho wn o n th e fa ce o f a C ar d) w ith ou t n otic e. Y ou m u str etu rn a ny C ar d o r u nu se d c he ck s t o u s u p on re qu es t.

P RIV AC Y A ND O U R C O M M U NIC AT IO N S W IT H Y O UO ur P riv ac y P olic y. W e m ay from tim e to tim e re vie w yo ur c re di t,em p loym en t and in com e re co rd s . W e re sp ect th e p rivac y o f in fo rmat ionab ou t yo u and yo ur A ccou nt. O ur Pr iv a cy P olic y in clu de s a s um m ar y o f th epe rso na l in fo rm a tio n w e co l lect wh e n it m ay b e s ha re d w ith o th ers , ho ww e s a fe g uard th e co n fi de n ti al it y a n d s e cu r ity o f i nf or m at io n a nd t he s te psy ou m ay take to lim it ou r s harin g o f s uc h in fo rm ation w ith o th ers. P le a ser ea d i t c a re fu lly a s i t i s p a rt o f y ou r C a rd m em b er A gr ee m en t.R e po rt in g t o C r ed it R e po rt in g A ge nc ie s. A s i nd ic at ed i n o ur P ri va cy P o li cy ,w e m ay r ep or t t o c re di t r ep or ti ng a ge nc ie s a nd o th er c re dit or s t he s ta tu sa nd p aym e nt h is to ry o f yo u r A c co u nt in c l ud in g n e ga ti ve c r ed it i nf or m a ti on .L a te p aym en ts , m is s ed p aym en ts or ot h e r d e fau l ts o n y ou r A ccoun t m ay be

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re f lected in y ou r c re dit r ep or t. W e no rm a ll y r ep or t t o s uc h c re di t r ep or tingagen c ie s e ach m on th . If y o u b elie ve th at o ur re po rt o f yo ur A ccou nt s ta tu sis in ac cu ra te o r in co m p le te , p le a se w rite u s a t th e fo llow in g add re ss :D i sc o ve r C a r d, P O B ox 15316 , W i lm i ng to n, D E 1 98 5( )'5 31 6. P le ase i nc lu dey ou r n am e , a dd re ss , h om e te le ph on e n um b er a nd A cc ou nt n um b er .O ur C om m un ic atio ns w ith Y ou . O ur p ers on ne l m ay lis te n to o r re co rdte le ph on e c alls b etw ee nJ ou a nd o ur re pr es en ta tiv es w ith ou t a dd itio na ln otic e to y ou a s pe rm itte b y l aw . W e m a y u se a ny m e diu m, in cl ud in g b utn ot lim ite d to m a ll, liv e te le ph on e c alls , a ut om a te d t el ep ho ne e qu ip me n t,p r er e co r de d t el ep h on e c a li s, e - m ail a n d m ay m ake ca lls t o yo u r c ell p ho net o c o nt ac t yo u abou t yo ur A cc ou nt o r o ffe r yo u p ro du cts o r s er vice s tha tm ay be o f v alu e to y ou . If yo u p re fe r n ot to b e c o nta cte d in o ne o r m ore o ft he se w a ys , t el ep h on e u s a t 1 - 8( )( )'D I S CO VE R ( 1- 8 00 - 34 7- 2 68 3 ) o r w r it e t ou s a t D is co ve r C ar d, P O B o x 3 09 61 , S a lt L ak e C ity , U T B 4 1 3 (1 . () 9 6 1.R ele as in g In fo rm a tio n A bo ut Y ou r A cc ou nt. W e p ro vid e v ar io us m e th od sb y w hic h y ou c an o bta in in fo rm ation a bo ut y ou r A cc ou nt. W e w ill o nlyre le ase s uc h in fo rm atio n to y ou , a ny A uth oriz ed U se r th at o ur re co rd sind ica te is a n a uth or iz ed b uy er o n y ou r A cc ou nt a nd a ny o th er p e rso n w ithy ou r p rio r p er mis sio n, in a dd itio n to a s prov ide d in o ur P riv acy Po lic y o r asre qu ire d b y l aw . O u r s e cu r it y m e a su r es c a nn o t in s ur e a g ain st u na uth o ri ze dinquiries. You agree that we will not be responsiblefor the release ofi n f o rma tio n to a n yone w ho , e ven if w ith ou t y ou r a uth oriza t ion o rp e rm iss io n, h as g a in ed p os se ss io n o f a C a rd o r h as l ea rn ed o th e r i de n ti fyi ngc ha ra cte ris tic s a bo ut y ou s uc h a s y ou r p er so na l id en tif ic atio n n um b er ,A c co un t n um b er o r s oc ia l s e c ur it y n um b er .E le ct ro ni c N o ti ce s t o Y o u, W e m ay o ffe r y ou th e o pp ortu nity t o r ec ei vece rta in n o tice s from us e le c tro n ica lly ra th e r th a n th ro ugh th e m ail,inc lu d ing m on th ly b illin g s ta tem en ts and chanqe o f te rm s no tic e s. T hete rm s a nd c on dition s f or r e ce iv in g th e se e lect ro ni c commun i c a tio n s w ill b ede scr ibed in th e o ffe r.N o ti ce s - C h an ge s t o Y o ur I nf or m at io n. If y ou c ha ng e y ou r e -m a il a dd re ss ,m ailin g a dd re ss o r te le ph on e n um be r y ou m us t n otify u s o f yo u r n ewadd re ss o r te le p hone num be r w ith in 15 da ys . Y ou can no tify u s b yt el ep h on in g 1 - 80 () .D I S CO VE R ( 1 -8 0 0- 3 47 -2 6 83 ) o r b y w r it in g D i sc o ve r C a r d,P O B o x 3 09 43 , S a lt L ak e C it y, U T 8 41 3( 1. () 94 3. If yo ur A cc ou nt is a J oin tA c co un t, a ny n ot ic e w e m ail to a n add re ss you ha ve p ro v id e d fo r th eAc coun t w ill s er ve a s n o tic e to b oth C ar dm em b er s.

C L AI M S A N D D IS P U TE SM e rc ha nt D is pu te s. W e a re n ot re spon s ib le fo r th e re fu sa l o f an yone toa cc ep t o r h on or a C ard o r to a cc ep t c h ec ks th a t w e ha ve p ro vid e d you . If am erc ha nt fa ils to p ro vid e y ou r p urc ha se to y ou r s atis fa ctio n a nd y oure qu es t a c re dit to y ou r A cc ou nt, w e w ill i nv es ti ga te t he d is pu te . I f w er es olv e th e d is pu te in y ou r fa vo r, w e w ill is su e a c re dit to y ou r A cc ou nt a ndy ou w ill b e d ee me d to h av e a ss ig ne d t o u s y o ur c la im a ga in st t he m e rc ha ntan d /o r a ny th ird p arty fo r th e c re dite d a mo un t. u po n o ur re qu es t, yo ua gr ee to p ro vid e u s W i t h w r it te n e vi de nc e o f s uc h a ss ig nm e nt .O a im N o ti ce s. In the e ven t th a t yo u o r w e ha ve a d aim th a t a ris es f ro m o rre la te s to y our A cc ou nt, a ny p rio r a cc ou nt y ou h ad w ith u s , y ou r a pp li-ca tion , t he r e la ti on sh ip s w hich re su lt fro m y ou r A cc ou nt o r th e e nfo rc e-ab ility o f th e A gr ee m en t o r a ny p rio r a gr ee m en t, b efo re in niat in g, j oi ni ngo r p artic ipa tin g in a ny jud ic ia l o r a rb itra tio n p ro ce ed in g, a s e ith er a nin div id ua l lit ig an t o r m em be r o f a c l a s s ( "P r oc e ed in g ") , t he c o m p la in in gp ar ty s ha ll g iv e th e o th er p ar ty : (1 ) a w ritte n n otic e o f th e c la im (" Cla imNot ice") , a t le as t 1 5 d ay s b efo re in it i at in g a ny P ro ce ed in g, e xp la in ing inr ea so na bl e d et ai l t he n at ure o f th e c la im a nd a ny s up po rtin g fa cts ; a nd (2 )a r ea so na ble g oo d fa ith o ppo r t uni ty to re so lve th e c la im w ith o ut th e

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ne ces s ity o f a P ro ce ed in g. Th is in c lu de s a ny cl a im s in vol v in g ou r p a re n tco rp o ra tion , su b s id ia r ies , a ffili a te s (in c lud ing , w ithou t lim it a tio n , DFSSe rv i ce s L LQ , p re de ce sso rs, s ucces so r s , a s s ig n s, as w e ll a s th e o ffic ers ,d ir ec to rs a nd e m pl oy ee s o f e ac h o f t he se e nt it ie s. A ny C la im N o ti ce s ha ll b es en t to u s a t D is co ve r C ar d, P O B ox 3 02 4, N ew A lb an y, O H 43 05 4 (o r s uc ho th er a dd re ss a s w e s ha ll s ub se qu en tl y p ro vi de t o y ou ) ( th e " Cl ai m N o ti ceA dd re ss ") o r to y ou a t y ou r a dd re ss a pp ea rin g in o ur r ec or ds o r, if y ou a rer e pr e se n te d b y c ou ns el , t o y ou r a tt or ne y a t y ou r a tt or ne y's o ff ic e.Arbitrat ion of Disputes. Agreement to arbitrate . In the eve nt o f a ny past,p re sen t or fu tu re c la im o r d ispu te (w h eth er b as ed u po n c on tra ct, to rt,s ta tu te , com mon law o r e qu ity ) b e tw ee n you and u s a ris in g from o rr el at in g t o yo ur A ccoun t, a n y p rio r a ccoun t yo u ha ve had w ith u s , you ra pp lic atio n, th e r ela tio ns hips w h ich re su lt from you r A ccoun t o r th eenforceability or s co pe o f t hi s a rbitra ti on p ro vision, of t he A gr eeme nt o r o fa ny p rio r a gr ee m en t, y ou o r w e m a y e le ct to r es olv e th e d aim o r d is pu te b yb i n di n g a r b it r at io n. I F E I T HE R Y O U O R W E E L EC T A RB IT R AT IO N , N E IT H E RY O U N O R W E S H AL L H A VE T H E R I GH T T O L IT IG A TE T H AT C LA IM IN C O UR TO R TO H AV E A JU RY T RIA L O N T HA T C LA IM . P RE -H E A R IN G D I S CO VE R YR IG H T S A N D P O S T- H EA R IN G A P P E AL R IG H T S W I LL B E L IM IT E D . N E IT H E RYO U N OR W E S HA LL B E E N T IT LE D T O J OIN O R C O NS O LID A TE C L A IM S INA R BIT R AT IO N B Y O R A G AIN S T O ~E R C A RD M EM B ER S W I T H R E SP EC TT OO T H ER A C C O U N T S, O R L IT IG A T E IN C O U R T O R A R B ITR A T E A N Y C L AI M S A SA R E PR E S EN T A TI VEO R M E M B ER O F A C L AS S O R I N A P R IV A TE A T TO R N E YG E N E R A L C A P A C IT Y ("C l as s A c ti on W a i ve r" ).N o tw it hs ta nd in g a ny th in g e ls e t o t he c on tr ar y i n t hi s a rb it ra ti on p ro vi si on ,o nl y a c ou rt, a n d n o t a n a r bi tr a to r, s ha ll d et er m in e t he v al id it y a nd e ff ec t o ft he C la ss A c ti on W a iv er . E ve n if a ll p ar tie s h ave op te d to lit ig ate a c la im incour t, yo u o r w e m ay e le c t a r bitr a tio n w ith re spe c t to a ny d aim m ad e b y an ew p arty o r a n y new c la im s la te r ass er te d i n tha t l awsu it a n d no th ingund er ta ke n t he re in sh a ll c o n s titu te a w a ive r o f a n y r ig h ts u nde r th isar b it ra tio n p ro vis io n . W e w i ll n ot i nv ok e o ur r ig ht t o a rb it ra te a n i nd iv id ua lcl a im you b rin g in s m all c la im s c ou rt o r y ou r s ta te 's e qu iv a le nt c ou rt, if a ny ,u nl es s s u ch a ct io n i s tr an sf er re d, r em o ve d o r a pp ea le d t o a d if fe re nt c ou rt.G o ve rn in g L aw a nd R u le s. Y o ur A c co un t i nv ol ve s i nt er st at e c om m e rc e a ndt h is p r o v is i on s ha ll b e g ov er ne d b y t h e F ed er al A rb itr atio n A ct (F AA ). T hea rb itr atio n s ha ll b e c on du cte d, a t the op tio n o f w hoe ve r file s th ear b itr atio n c la im , by e it he r t he A m e ri ca n A rb it ra tio n A sso c iat ion (AM) orth e Nat ion a l Ar b itra tio n F oru m (NA F ) in a c c o rd a n c e w it h th e ir p ro ce du re si n e ff ec t w hen th e c la im is f il e d. F or a c op y o f th e ir p ro cedures , to fi le ac la im o r f o r o th er in f o rma tio n, c on ta c t A AA a t 335 M ad iso n A ve ., F lo or 10 ,N e w Y o rk , N Y 1 00 17 -5 90 5, w w w .a d r.o rg ( ph on e 1 -8 () () .7 78 -7 87 9) o r N A F a tP O B o x 5 01 91 , M i nn ea po li s, M N 5 54 05 ( ph on e 1 -8 0( ). 47 4- 23 71 ). N o o th era rb it ra ti on f or um w il l b e p er m it te d, e xc ep t a s a ~ re ed t o p ur su an t t o e it he rth e C ha ng es to th is A gr ee m en t s ec tio n o r a w ritin g s ig ne d b y b oth p ar tie s.U n le ss c on se nt ed t o b y a ll p ar tie s, n o a rb itr atio n m a y b e a dm in is te re d bya ny a dm in is t ra to r th at h as a ny fo rm a l o r in fo rm a l p olic y, r ule o r p ro ce du retha t is in co n s is ten t w ith o r p urp o rt s to overr ide th e te rm s o f t his s ec tio n. I fw e e le c t to re so lv e a c la im o r d is p u te b y b ind in g arb itra ti on and th earb i t ra to r is su es a n a wa rd in you r fa v or o n a d aim o r c la im s w ith re sp ec t t ow h ich you w ou ld n o t o therw ise be en tit le d to re co ve r y ou r a rb it ra ti onf il in g, a dm i ni str at iv e a nd h ea ri ng f ee s, r ea so na bl e a tt or ne ys ' f ee s a n d/ oro th er a rb itr atio n c os ts , w e w ill b e re sp on sib le fo r p ay in g o r r eim b ur sin gs uc h c os ts a nd f ee s i f a w ar de d b y t he a rb it ra to r.F ee s a nd C o sts . A t y ou r w r itte n r eq ue st, w e w ill a dv an ce a ny a rb itr ationfil in g , a dm in is tr ativ e a nd h ea rin g fe e s wh ich you w ou ld b e re qu ire d topa y to p u rsu e a c la im o r d isp u te a s a re su lt of ou r e le c tin g to a rb it ra te

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th at c la im or d is pu t e. S e n d r e qu e sts to D isco v er C ar d , PO B ox 30 42 1 , S al tLa k e C ity , U T 84 130-042 1 . T he a rb itr a to r w ill de d de w ho w ill u l tim at e ly b eresp on s ib le for pa yi n ~ those fe es . Y ou wi l l on ly b e r es po n s ibl e fo r p ayi n g orr e imbur s in g o u r ar b itrat io n fi ling , a dm in is trat iv e or h ea ri ng fe es to theex t en t yo u w ou ld h av e b een resp o ns ib le fo r p ay ing "a tto r ne ys ' f ee s a n dc o ur t o r o th e r c o ll ec ti on c o st s" h ad th e a ctio n p ro ce ed ed in co urt . I n n oe ven t w il l y ou be re qu ire d to p ay an y fees o r co sts in cu rred b y u s inc o n n e c tion w ith an arb itra tio n p roceed ing w he re su ch a p aym en t o rre imbu r sem e nt is p r oh ib it ed b y a p p li c ab l e l aw .H e a r i n g s a n d D e d s i o n s . A ny a rb it ra tio n h ea r in g w ill ta ke p lace in thef eder a l /'ud ic ial d is tr ic t w h er e y o u re si de . T he a rb itra to r sha ll fol lo wapp l ica b e su bs tan tiv e la w to the ex te n t co n s is ten t w it h the FA A a ndapp l ic ab le s ta tut e s o f l im i t a t i ons a n d sha ll ho n or c la im s o f p r iv ileger ecogn iz ed a t law an d sh a l l b e a u th o riz ed to aw ar d a l l r e m ed i es p e rm it te db y t he s ub st an ti ve la ws th at w ou ld a pp ly if t h e a ctio n w ere p en din g inc ou rt. I f req ue ste d b y a ny p arty , th e a rb itr ato r s ha ll w rit e a n o pi nio nc on ta in in g t he r ea so ns f or t he aw a r d. T h e a r bi tr a to r 's d e c isi o n w ill b e fin alan d b ind ing ex c e pt f or a ny ap p e a l r ig h ts u n d er th e FA A an d e xc e pt th at ifthe amou n t in co n tr o v er sy e xc ee ds $100,000 , an y par ty m ay ap pe a l theaw ar d w ithi n 3 0 d ay s to a th r e e - e rb l t r a t o r p a n e l, w hi ch sh a ll rev iew th eaw ar d de novo. U nle ss a p pli cab le law prov ide s o th er w is e. th e a p p ea lingpar i ly w il l p ay th e c os t o f the ap pe al , re ga rd le ss o f its ou tc om e, H ow eve r ,w e w i l l c ons ide r in ~ood fai th a ny rea so na b le re qu es t fo r u s to b ea r t he feesc h ar ge d b y t h e a rb it ra tio n a dm in is tr at or a nd t he arbitrators in co n n e c tionw ith th e a pp ea l. J ud gm en t u pon a ny aw ard b y th e arb itra to r m ay b ee n fo rc e d i n a n y c o ur t h a vi ng j ur is di ct ion ,O t he r B e n ef ic ia r i e s o f th is P ro v is i o n . O ur r ig hts a nd o bliga t i on s u n de r thisar b it ra ti on pr ov is io n s ha ll inu re to the b e n e fit o f a nd be b in din g u po n o urpar en t cor po ra tio ns , su bs id iar ies , a ff i lia te s (in c lud ing , w ith ou t lim ita tio n ,D FS Se rvi ce s L L Q , p red ece ss o r s, su cces s o rs , as si g n s , as w el l as th e o ff ic e rs ,d i r ec tors a n d e m p loy ee s o f e a ch o f th es e en tit ies , an d w i l l a l so inu r e to theb e ne fi t o f a ny th ir d p a ri ly n am ed a s a co -d efen da n t w ith us o r w ith an y oft he f or eg oi ng i n a c l ai m w h ic h i s s ub je c t t o t his a r bi tr a ti o n p r ov is ion . Yo u rr ig h ts a n d o b li ga ti on s u n de r t hi s a rb it ra ti on p ro v is io n s ha ll i nu re t o t heb ene fi t o f a nd be b ind ing u p on a ll p e rs on s c on t r ac tua l ly l ia b le u n de r t hisAg r e emen t a n d a ll A u th o ri ze d U se rs o f t he A cc oun tS u r v iv a l of t h i s P ro v i s io n . Th is ar b itra t ion pr o v is io n s ha l l s u rv iv e ter m in a t i ono f y ou r A c c o unt a s w ell as v olu n tar y pa ym ent in fu ll b y y ou, an y le ga lpr o c e ed in g s b y us to co lle c t a d eb t ow ed b y y o u , a n y ba nk rup tcy b y y ouan d an y sa le b y u s o f yo ur A ccoun t .Righ t to Re je c t A rb i t ra t i o n. Y o u m a y re je ct th e A rb it ra ti on o f D is pu te ss ec ti on b y p ro v id in g u s a n o ti ce o f r ej ec ti on w i th in 30 d a y s a f te r r e ce i vi n ga c ar d, a t t he fo llo w in g a dd re ss : D i sc o ve r c a rd , P O B o x 30938, S a lt L a k eC i ty , U T 84130-0938. I f y ou w ere p r ev ious ly su bje ct to a rbitrat ion w ithre sp ect to an y ac c ou nt w i th u s, th is r ig ht to rej e c t a r b i tr a tion w ill no t ap p lyto you , Y o u r r e jec t ion no tice m us t i nc lu de y ou r n ame , ad d ress , t e l ephonenu mb e r , A c cou nt n um be r a nd si gn a tur e an d m ust not be se n t w ith a nyo th er co rresp ond en ce . ca l lin g us to in d ica te th a t y o u reje c t t he A rb itrat ionof D is p ut e s se c ti on o r sen d in g a re jec ti o n no ti c e in a m a n ner o r fo rm a t th a td oe s not comp l y w i th a ll a p pl icab le r equ i r emen t s is insuff ic ie n t n ot ic e . Ino rd e r t o p ro c es s y o u r n o tic e , w e re qu ire th at t he n ot ic e b e p ro vi d ed by youd ir ec tl y a nd n ot t hr ou gh a th ir d p ar il y. R e j ec tio n o f a rb it ra ti on w ill n otaffect your other r ights or responsibil it ies under this Agreement or yourob li g at io n t o a rb itra te d is pu te s u nd er a ny ot he r a cc ou nt as to w hic h youan d w e ha v e ag reed to a rb itra te d is pu t es , If yo u d o no t se nd a re ject ionno tic e, y ou w ill b e o b liga te d by th e A rb itr a tion o f D ispu te s se ct io n w ith

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re spe ct to th is a nd an y pr i o r a c c o unt yo u h av e h ad w it h us , eve n if yo u ha v ep r e v i ou s l y s e n t a re j ec tion no tice w ith re sp e ct to th a t p ri o r a c co u n t.L E GALNT E RP RE TAT I ONF TH I S AGRE EMENTSever ab i l i t y. If an y p ar t o f th is A gr ee m en t be com es un en fo rc eab l e , i t w illn ot m ak e a ny o th er p a rt u n e n fo r ce ab l e, ex c e p t th a t if t h e C las s A c t io nW a iv er s et f ort h a bo ve in th e A r b it ra ti o n o f D i sp u te s s e ct io n i s i n v al id a te di n a n y p ro ce ed in g i n w h ic h y ou a nd w e a re i nv o lv e d, t he n t he A r bi tr at io no f D i sp u te s se c t ion w ill be v oid w ith res p ec t to th at p ro ce ed ing ,C om p l ia n c e w i th I n te res t R ate L im i t a ti o n s , W e in t end tha t th i s A g r e em e n tw il l com pl y w ith ap plicab le in te rest ra te l im itat ion s. Y ou w ill n o t b ere quire d to p ay F in anc e C h arg es o r o th er ch ar ges a t a ra te th at is g r ea terth an the m ax im um am ou nt p erm itte d by la w . If i t i s ev e r f in al ly de ter m ine dtha t, b ut f or th is sect io n, th e Fi n a n ce C h a rg e s o r ot h e r c ha rg es u nd er thi sA gre emen t w ou ld ex ce ed the m ax im um law fu l am oun t, the F in a n c eC h a r ge s a n d o t he r c h a rg e s w il l b e r ed uc ed to t he m ax i m um l a w fu l am o u n t.A n y e x ce ss a m ou nt th at y ou h av e a lre a dy p aid w il l b e u se d to r ed u ce t heout s t an d in ~ b a la n ce o f yo u r A c c ou n t or w il l b e r ef un de d to yo u by m ea n so f a c he ck In o ur c sc r e tio n,G o ve rn in g L aw , T h is A g re em e nt a nd a ny c la im o r d is pu te a ris in g o ut o ft hi ~ A g l'@@ l 1 1 o n !i ll b e g o v or n o d b y a p pl ic a bl e f ed e ra l l aw a n d, t o th eex te n t s ta te l aw a p pl ie s, D e l aware law ,A S S I GNMENTO FACC OUNTW e m a y s e ll, a s si g n o r tran sf e r y our A cc o u nt o r a ny p ort ion the r eo f w it h ou tn o ti ce t o y o u, Y o u m a y n o t s el l, a s si gn o r t r an sf er y o u r A c c o u nt w it h ou t f irs to b ta in in g o u r p ri or w r it te n c o n se n tCHANGE STO TH I S AGRE EMENT

W e m ay c ha ng e a ny te rm o r p ar t o f th is A gre em en t. in clu din g, bu t no tl im i te d t o, a ny f in arn :e c ha rg e ra te , fe e o r m eth od o f c om pu tin g a nyb ala nc e u po n w hic h th e f in an ce c ha rg e ra te is a sse ss ed o r a dd a ny n ewte rm or p ar t to th is A greem en t If req u ired by law w e w ill sen d y o u an o ti ce a t l ea st 1 5 d ay s b efo re t he c ha ng e i s to b ec om e e ffe ct iv e, W e m aya pp ly a ny s uc h c ha ng e to th e o ut sta nd in g b ala nc e o f y o ur A c co un t o n t hee ff ec ti ve d ate o f t he c ha ng e a nd to n ew c ha rg es m a de a fte r t ha t d at e. Y o um a y b e o ff er ed th e o pp or tu nit y to re je ct s om e o f t he c ha ng es , a nd if y o ud o, y ou m us t n otify u s in w ritin g w ith in 15 d a ys a fte r th e m ail in g o f t hen ot ic e o f c h an ge a t t h e a dd re ss p ro vid ed in th e n ot ic e o f c h an ge , i n w h i chc as e y o ur A c co un t w i ll b e d os ed a nd y ou m u st p ay u s t he b al an ce th at y ouo w e u s u n de r th e e xis tin g t er m s o f t h e u n ch a ng e d A g re em e n t. O t he rw i se ,y ou w ill h av e ag reed to the c ha nge s in the n otic e, U se o f y ou r A cc ou nta ft er t he e ff ec tiv e d a te o f th e ch an g e w il l b e d ee me d a cc ep ta nc e o f th en ew te rm s a s o f s uc h e f fe ctiv e d ate , e v en i f y ou p re v io u sl y n o ti fi ed u s t h a ty ou d id n ot a gr ee to th e c ha ng e,W e m ay a lso c ha ng e a ny te rm o f a ny p ro du ct , s erv ic e o r b en efi t o ff er ed i nc on ne ct io n w ith y ou r A c co un t W e w ill n oti fy y ou a s r e qu ire d b y l aw o r b ythe te rm s o f th e p ro d u c t, s e rv i ce o r b e n ef it

P R I V A C Y P O U C YW e a re re qu ire d b y f ed era l la w to p ro vid e y ou w ith a c op y o f o u r P riv ac yP oli cy e ac h y ea r, I f y o u h av e p re vio us ly n oti fie d u s a bo ut y ou r p ri va cyp re fe re n ce s, a s d e sc ri be d i n S e ct io n 4 , i t is n ot n ec essa ry to d o s o a ga inu n le ss y o u d e ci de t o c h an g e y o ur p re fe re n ce s,W e R e sp e c t You r P r i v a c yO u r m iss i on is to pr ov ide yo u w ith su p er io r p ro du c ts a n d s er vice s, al on g w ithth e peace o f m ind kn ow in g tha t th e secu r i ty o f you r p e rso n a l in fo rm ation is

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o u r t o p p ri o ri t y . W e u n d e r s t a n d y o u r c o n c e r n s a b o u t g u a r d i n g i n f o rm a t io na b o u t y o u a n d y o u r A c c o u nt . W e w a n t t o a s s u re y o u t h a t w e h a v e t a k e ns te p s, a n d w i ll c o nt in u e t o t ak e s te p s, t o s a fe g u ar d t ha t i nf or m a t io n .T h i s P r i v a cy P o li c y d e s c r i b e s o u r e ff o r t s t o m e e t th e s e o bj e c ti v e s . I t i n c lu d e sa s u m ma ry o f t h e fo ll o w in g i m p o rt a n t i n f o r m a t i o n :

A l i s ti n g o f t h e p er s o n a l i n f o r m a ti o n w e c o ll e c t; T h e c i r c u m s t a n c e s in w h i c h w e m a y s ha re i n fo rm a ti o n w i t h o th e r s ; The ways we: safeguard the confidentialrty and security of information;a n d T h e s t e p s y o u m a y t a k e t o l im i t o u r s h a r i n g o f s u ch i n f o rm a t i o n w i tho th e rs . S e e S e c t i o n 4 f o r c o m p le te d e ta il s .

p l e a s e re a d o u r P ri v a c y P o l i c y c a r e fu l ly . I t w il l h e l p y o u u n d e r s t a n d h o w w ec o ll ec t a n d s ha re i n fo rm a t i o n .1. W h at P e r s on a l I nf o rm a ti o n D o W e C o ll e c t ?T o s e r v e y o u b et t e r a n d m a n a g e o u r b u s in e s s , i t is im p o rt an t t ha t w e c o ll ec ta n d m a i n t a in a c c u r a te p e r s o n a l i n f o rm a t i o n a b o u t y o u . W e o b ta in t h i sinf orm at io n fro m applications and other form s yo u sub m it to us, from yourd e a l in g s w it h u s a n d o t h e r s , fr o m c o n s u m e r r e p o r ti n g a g e n c i e s, a nd f r o mo t h e r s o u r c e s , s u c h a s o u r W eb s i te s . F o r e x a m p l e : W e m a y o b t a i n i n fo rm a t i o n s u c h a s y o u r n a m e . a dd re ss a nd d at e o f b i rt hf r om a pp li c a t i o n s a n d o t h e r f o r m s y o u s u bm i t t o u s . W e m a y o b t a i n i n f o rm a t i o n s u c h a s A c c ou n t b a la n c e s , p a y m e n t h i s t o r y ,y o u r u s e o f y ou r A c c o u n t a n d th e ty p e s o f s e r v i ce s y o u p r e fe r f r o m y o u rt r a n s a c t i o n s a n d o t h e r d e a l i n g s w i t h u s a n d o t h e r s . W e m ay o b t a i n i nf or m a ti o n s u c h a s t h e b a l a n c e s o f y o u r l o a n s w it h o t h e rl e nd er s a nd y ou r p ay m e nt h is to ry w it h o th er s f ro m c on s u m e r r ep o r ti n ga g e n c i e s . W e m ay ob tain in formation such as your In t er ne t ser vice provider, y ou re - m a il a d d re s s , y o u r c o m p u t e r's o p e r a t i n g s y s te m a n d W e b b r o w s e r , y ou rW e b s i t e u s e a n d y o u r p ro d u c t a n d s e r v ic e p re f e re n c es f r o m y o u r v i s i t s t oW e b s it e s .2. I s P e rs on a l I nf o rm a ti o n S h a re d w i t h O t he r s ?W e l im i t t h e s h a r in g o f in f o rm a ti o n w it h o t h e r s . M a n y o f t h e o f f e r s y o ur e c e i v e f o r p r o d u c t s a n d s e rv i c e s a r e p r o v id e d d i re c tl y t o y o u f r o m u s . F o re x a m p l e , a r et a i l e r th a t a c c e p ts t h e D i s c o v e ~ C a r d m a y c o m e t o u s w ith as p e c i a l o ff e r f o r C a rd m e m be r s , s u c h a s a d i s c o u n t c e rt if ic a t e o r p ro d u c tu p g ra de . A f t e r c ar e fu l c on si d er a ti o n o f t h e n at u re o f t h e o ff e r a nd t h ec o m p a n y , w e w i ll c r e a t e a l is t o f C a r d m e m b e r s w h o m a y b e i nt e r e s te d i n t heo ff e r b a s e d o n c e r ta in c ha ra c t e r is t i c s . W e w i l l s e n d t h e o ff e r d i r e c tl y toth o s e C a r d m e m b e r s o n b e h a lf o f t h e r e ta i l e r b y , fo r e x a m p l e , i n c lu d i n g a ni n s e r t i n th e i r m o n th l y b i ll in g s t a t e m en t o r m a i li n g t h e o ff e r o u r s e l v e s . W ec o n t r o l t h e in f o rm a t i o n u s e d t o m a k e t h e o f f e r ; w e d o n o t s h a re t h e l is t o ra n y i n f o r m a t i o n a b o u t o u r C a r d m e m b e r s w i t h t h e r e t a il e r . H o w e v e r , p l e a s eu n d e rs t a n d th a t i f y o u d o r e ce iv e t h is t y pe o f o f fe r f ro m u s a n d c h o o s e tot a k e a d v a n t a g e o f i t , t h e r e ta i l e r m a y t h e n l e a r n i n fo rm a ti o n a b o u t y o ub e c a u s e o n l y C a rd m e m b e r s w it h c e rt a i n c ha ra c t e r is ti c s re c e i v e d t h e o f f e r .T h e re a r e , h o w e v e r , c i r c u m s t a n c e s in w h ic h w e m a y s h ar e t h e i n fo rm a ti o nw e c o l l e c t a b o u t y o u . a s d e s c r i b e d i n S ec ti o n 1. w i th o th e r c o m p an ie s i no rd e r t o p ro vi de y ou w it h a ccess t o p ro du ct s a nd servi ce s a nd t o s er vi ce y ou rA c c o u nt e ff e c t iv e ly , a s d e ta il e d b e l o w . W e r e q u i r e t h es e c om p a n i e s t oa d he r e t o o u r p r iv a c y s t a n d a r d s a n d t o u s e t h is i n fo rm a ti o n o n l y f o r t h eli m i te d p u r p o s e fo r w h ic h i t w a s s h a r e d . W e d o n o t a l l o w t h e m to d is d o s eit t o o th e r s w it h o u t o u r p r i o r a p p r o v a l.

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09CSPL_05BOK_ TL21 80509. indd 1718

a . Sh ar ing P e 1 5 0 n a l In f o rma tion w ith O u r C or po ra te F am ilyO u r c o r po r a t e f a m i l y o ff e r s a v a r ie ty o f p r o d u c ts a n d s e rv ic e s t h a t c a n h e l py ou m a n ag e y ou r f i n a n c e s . I n o rd er t o p ro v i d e y ou w it h a cc es s t o t h es ep r o d u c ts a n d s e rv i ce s , w e m a y s ha re t h e i n fo rm a ti o n w e c o l l e c t a b o u t y ou ,as d e s c ri b e d in S ect io n 1, w ith o th e r m em b e rs o f ou r co rpo ra te f a m i ly.T he s e c o m p a n ie s i n c l u d e f in a nc ia l s e rv i c e p r o v i d e r s t h at o f f e r c r e d itp ro t e c t i o n , c a rd s e r v ic in g a nd p a y m en t p r o c e s s i n g s e rv i c e s .b . Shar ing Pe rsona l Inf o rm a tion w ith N on-Aff i f ia ted Pa rtie s fo rMa rke tin g p urp osesW e m a y s h a r e t he i nf or m a ti o n w e c o l le c t a b o u t y o u , a s d e s c r i b ed i n S e c t io n1 , w i t h n o n - a f f i l i a t e d th i rd p a r ti e s , i n d u d i n g t h o s e th a t a c c e p t th e D i s c o v e rC a rd , i n o r d e r t o p r o v id e y o u w i th a c c e s s t o p r o d u c ts a n d s e r v i c e s o f f e r e dd i r e c tl y b y th e s e c o m p a n ie s th a t m a y b e o f v a lu e t o y o u . T h es e c o m p a n i e sin c l u d e f i n a n c i a l s e r vi c e p r o vi de r s , s u c h a s i n s u r a n c e c o m p a n i e s , a n d n o n -f i n a n c i a l c o m p an ie s , s u ch a s r e t a i l e r s .c . Shari ng Pen one l lrdorm etion w ith O the "W e m a y s h a r e t h e i n fo rm a t i o n w e c o ll e c t a b ou t y o u , a s d e s c r i b e d i n S e c t i o n1 , w i t h c o m p a n ie s th a t p e rf o rm s u p p o r t o r m a r k e ti n g s e r v i c es o n o u r b e h a l f .s u c h a s m a i l i n g , m a r k e t re s e a r c h a n d d a t a p ro c e s s i n g ; o t h e r f i n a n c i a li n s t it u t i o n s w i t h w hi c h w e h a v e j o in t m a r k e t i n g a g r e e m e n t s ; o r c o m p a n i e st h a t a re o u r p a r tn e rs f o r c o - b ra nd c re d i t c a r d p r o g ra m s o r r ew a rd p ro g ra m s .W e m a y a l s o s h a r e s u c h i n f o r m a ti o n a s p e rm i tt e d b y la w .3. H o w D o W e P r o t e c t t h e C on f i d e nt ia li ty , S e cu r i t y a n d I n t e g r i t y o fI nf o rm a ti o n a bo u t Y o u ?W e m a i n ta in p h y s i c a l , e le c t r o n ic a n d p r o c e d u r a l s a f e g u a r d s t o p r o t e ct t h ei nf or m a t io n w e c o ll ec t a b o u t y o u . A c c e ss t o s u c h i n fo r m a ti o n i s r e st r ic te d t oi n d i v i d u a l s w h o n e e d i t i n o rd e r t o s er vi c eJ ou r A c c ou n t o r p ro v i d e p ro d u c tsa nd s er v ic es t o y ou , a nd w h o a r e t r a i n e i n t h e p r o p e r h a n d l i n g o f s u chi n f o r m a t i o n . E m p l o y e e s w ho v i o la t e th e s e c o n f i d e n t i a l i t y r e q u i re m en t s a r es u b j e c t to o u r d i s c ip l in a r y p ro c e s s . W h e re th i r d p a r t i e s p r o v i d e s u p p o rts e r v i c e s , w e r e q u i r e th e m t o c o n f o rm t o o u r p r iv a c y s t a n d a r d s .I t i s im p o rt a n t t h a t t h e i n f o rm a t i o n w e m a i n t a i n a b o u t y o u i s a c c u r a t e a n dc o m p l e te . I f y o u s e e i n f o rm a t i o n i n y o u r m o nt h ly b il li n g s t a t e m e n ts o re l s e w h e r e w h i c h s u g g e s t s t h a t o u r i n fo rm a t i o n is i n c o m p l e te o r i n a c c u r a t e ,p l e a s e w r i t e t o u s a t D i s c o v e r C a r d , P O B o x 30943 , S a l t L a k e C i t y , U T 8413(} '094 3 s o t h a t w e c a n u p d a t e t h i s i n fo rm a t i o n .4. H o w C an Y o u l im i t S h a ri n g o f I n fo rm a t i o n A b ou t Y o u ?W e r e sp e c t y o u r p r i v a c y a n d o ff e r y o u c ho ic es a s t o w h et h er w e m a y s ha rei nf o rm a t io n a b o u t y o u w i th o t he r s . Y o u h a ve t h e o p ti on t o t el l u s n ot t o s h a ret h e i n f o rm a t io n w e c o ll e c t a b o u t y o u , a s d es c ri b e d i n S e c t i o n 1, w it h n o n -a f fi l i a t e d t h i r d p a rt ie s . Y o u a l s o h a v e th e o p ti o n t o te ll u s n o t to s h a r e th ei n f o rm a t io n w e c o l l e c t a b o u t y o u , a s d e s c r i b e d in S e c t i o n 1 , w i t h c o m pa n i e si n o u r c o r p o r a t e f a m i l y . I f y o u i n d i c a t e a p r e f e r e n c e f o r e i th e r o f t h e s eo p t i o n s , p le a se u nd er s ta n d th a t y o u m a y n o t r e c e iv e o ff e r s f o r p r o d u c t s a n ds e r v i c e s p ro v i d e d b y o t h e r c o m p a n ie s t h a t c o u l d h e l p y o u l o w e r y ou r c o s t s ,m a x im iz e y ou r f i n a n c i a l r e s o u r c e s o r m a n a g e y o u r fi n a n c e s .T o i n di c a t e y o u r p re fe re n c es , p l e as e c a l l u s a t 1 - 4 1 0 0 - 2 2 5 - 5 2 0 2 o r w r i t e t oD i s c o v e r C a rd , PO B o x 309 61 , S a lt L a k e C i t y , UT 8 4 1 30 - 09 6 1 . I f y o u h av ep re v io u sl y n o ti fi e d u s a b o ut y o ur p rivacy p re fere nces. it isn o t n s ca s sa ry t od o s o a g a i n u nl e s s y o u dedde t o c h a ng e y ou r p re fe re n c es . Y o u r w r it t e nr e q u e s t s h o u ld i nd u d e y o u r n a m e, a d dr es s , t e le ph on e n um b er a n d A c c o u ntn u m b e r ( s ) a n d s h o u l d n o t b e s e n t w i t h a n y o t h er c o r r e s p o n d e n c e . I n o r d e rt o p r o c e s s J o u r r e q u e s t, w e r e q u i r e t h a t t h e r eq u es t b e p r o v i d e d b y y o ud i r e c t l y a n n o t t h r o u g h a t hi rd p ar t y . Y o u w i l l n e ed t o p ro v i d e u s w it h y o u r

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. p re fe r enc es fo r ea ch cr edi t c ar d ac c ou n t y ou ha ve w ith u s .Y ou m ay no ti fy u s a bo ut yo u r pr e fe r ence s a t an y tim e. Y ou r reques t w illr em a in i n e ff ec t u n ti l y o u n o ti fy u s o th e rw i se . W e w ill ho no r yo u r r e qu e sta nd n ot sha re th is i n f o rmat i on ex c ep t as p erm it te d b y law . Fo r examp l e ,f ed era l law p erm its u s to sh are in fo rm at io n ab out you w ith co nsum erre po rt ing ag enc i es, se rv i ce p ro v ide r s an d f ina nc ia l in sti tu t io ns w ith w h ichw e h av e jo in t m ar ke ti ng agr eem ent s . If yo u are a n ew Cardm emb e r , w e w illno t sh a re an y in fo rm ation ab o u t y ou , e xc ept as pe rm it ted by la w , f or t hirt yda y s a fter w e p ro vide this P o licy to y ou in o rd er to g ive yo u an o pp o rtu ni tyto inf o rm u s ab ou t yo ur p re fe re nces . If y ou are an ex is t in g C ard m em b er,pl eas e un de rs ta nd th a t y ou m ay con tinu e to r ec ei ve m ark e tin g o ffer sd ir ec t ly from o th er c om p an ies tha t w e re a lr eady in p ro du ction p ri o r to th epr oc es s ing o f yo u r reque s t.Th is P r iv a cy Po lic y i s p r o vide d to the p rim ary C a r dm em b er l is te d on theA c co u nt . H o w ev e r, a ny j oi nt C a rd m e m b er h as t he r i gh t t o n o ti fy u s a b o utp re fe re nc es a nd w e w ill t re at th at re qu es t as app lyi ng to th e entireA cc oun t. W e do n o t s ha re i nf orm a ti on a b ou t fo rm e r c u st om e rs, exc ep t a sperm it ted by la w . T h is not ifi c at io n supersed es a l l p r ev ious ly is su ed P rivacyPo lic ie s .W e re s er v e the ri gh t to am en d th is P riv ac y Po licy fro m tim e to tim ean d w e w ill no tif y you if w e do so .Th is Pr iv ac y P o lic y i s p rov ide d to yo u by D isc o ve r B an k and it s s u bsi d ia ries ,w h ic h c urr en tly ind ud e G TC Insu ra n ce A g e ncy, In c. an d D i s cover P ro duc t sln c , U nle s s o the rwi s e sp ecif ie d , it app li es t o th e fa m ily of D is co ver C ard s fo rconsum e rs and th e p roduct s an d se rvic es offere d in co n n ec tio n w ith tho seCards , in c lu di ng the W all et Pr o tec tion ca rd reg is tration se rv ic e ( with th eex ce p tio n o f an y inform atio n reg is t e r ed in c o n ne c ti o n w ith th e se rv ic e ,w h ic h w ill n ot b e s ha re d) . It is p a rt o f y ou r C a rd m em b er A g re em e nt a ndp ro vid es a f urt he r e xp la na tio n o f h ow w e c oll ec t a nd s ha re in fo rmat i on .Y o u m ay ha ve o th er r ig hts un de r st ate law s tha t app ly to th is inf o rmat i on,P le a se n ote th at y ou w i ll a lso re ce iv e p r i v ac y n o t ice s fo r ot he r c r ed it ca rdaccou nt s yo u h av e w ith u s , as w e ll as o th er f ina nci al p rod uc ts an d se rv ice sp ro vi d ed to y ou b y u s and o ur a ff il iat e s , Y ou w ill n eed to ind i cate yo urp re fer en ce s f or each o f t h es e sep ar at ely a s d isc los e d in t he n otice .V e rm o n t R e sid en ts - Your stat e l aw req uires f in an cia l i ns titut io ns t o o b ta i nyo u r co ns en t pr io r to shar in g in fo rm a tio n ab o u t y ou w ith ot he r s , E xc ep t asperm itted b y la w , w e w i ll n ot sh ar e i nfo rm at ion w e co lle ct ab o u t yo u wi thnon-aff i l iat ed thi rd par t i e s o r comp an ies in o u r co rp or at e fam il y un les s y ouc a ll u s a t 1 -8 0 0 -D I S COVE R1- 800- 347 - 2683 ) a nd a uth or iz e u s to do so .C a l if o rn ia R e s id e n ts - Y o u r s t a te l a w r e qu i res f i na n c i a l i n s ti t u ti o n s t o o b t a iny ou r c on se nt p rio r to s ha rin g in f o rmat ion ab o ut y o u w i th n o n- af fi li at edt hi rd pa rtie s , E xc e p t a s perm it ted by la w , w e w ill n o t sh are in f o rma tio n w eco lle c t a b out yo u w ith n on-a ffi lia te d th ir d p ar tie s w hile y ou ar e a res iden tof C al if or n ia.

Y o ur B il lin g R ig htsK E E P T H IS N O T IC E F O R F U TU R E U SE

T his no tic e con t a in s impor t an t inf o rm ati on ab ou t yo ur righ ts an d ourre sp o n sib ili ti es u n de r t he F a ir C r e dit B il l ing A ct1 , N oti fy U s i n C a se o f E rr ors or Q u es ti on s A b ou t Y o ur B il lIf y o u t hink y o ur b ill i s w ro ng or if y o u n ee d m or e i nf or m at io n a b ou t at ra n sa c ti o n o n yo ur b ill, w rite u s on a sep ar a te sh ee t o f p aper a t t h e a d dr essl ist e d o n yo ur b ill fo r N otic e o f B il l i ngE r r o r s , W ri te to us a s soo n as po ss ible,W e m u st he a r fr om you no la te r th an 60 da y s af te r w e sen t y ou th e fi rs t b illon w h ic h the e rr or or p r ob l em a p p ea red . Y o u c an t elep ho ne us , b u t do ing

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09CSPL_05BOK_ TL21 B0509.indd 1920

so w ill n ot p re se rv e yo ur rig h ts ,In y o u r l et te r, g ive us th e fol low in g in fo rm a ti o n ; y ou r n am e a nd A c co un t n um b er . yo ur d olla r am ount of the sus pe c te d e rro r. de scr ibe the e rro r an d ex pl a in, if yo u ca n , w h y yo u b eliev e the r e is an error ,If yo u need m o re in fo rm atio n , d esc rib e the item you are no t su re a b out .I f y ou h av e au th o r ize d u s to pa y y ou r c red it ca rd b il l au tomat i cal ly fro myour savings or checking acc oun t. you can stop the payment on anyam ou n t yo u th ink is wron g . T o s to p t he p ay m en t, yo ur le tte r m us t rea ch usth ree bu s i ne s s d ay s b efo re th e aut om atic pa ym en t is sche du le d to occ ur .2. Y ou r R ig h ts an d O u r R esp on s ib ilit ie s A fte r W e R ec e ive Y ou rW r it te n N o ti ceW e m ust ackno w ledge y o ur l ette r w ithin 30 da y s , u n le s s w e ha ve c or rec t edth e e rro r b y t he n . W i th in 90 d ay s, w e m ust e ith er c orre ct th e e rro r orexp l a in w hy w e b e li eve th e bil l w a s c or rect .A fte r w e rec e iv e yo ur le t ter , w e c ann o t try to co l l ect any amoun t youques t ion or rep o rt yo u a s d elin qu en t. W e c an co nt in ue to b ill yo u for th eamoun t yo u que s tion , inc lud ing fin anc e ch arg es an d w e ca n app ly an yun pai d am oun t ag a in st y ou r A cc ou n t c red it l im it . Y ou d o no t hav e to p ayan y qu es t ion ed a mo un t w hile w e are in ves ti g a tin g , but y ou are st il lob liga ted to p ay the p ar ts o f y ou r b ill t ha t a re n ot in qu es t i on .If w e find th a t w e m ad e a m is take o n y o ur bi ll , y ou w ill no t ha v e t o p ay a nyfin anc e charges related to any que st ion ed am oun t. If w e d id n 't m ak e am ist ak e, y ou m ay ha v e to p ay th e f in a nc e c harg es , and you w ill ha ve to mak eup an y m i s se d p a ym en ts o n t he q ue st io ne d a mou n t. I n e i th e r c ase , w e w ills en d y ou a st at em en t o f t he am ou nt y ou ow e a nd th e d ate th at i t is d ue .If y o u f a il to p ay th e a m oun t th at w e t hi nk y o u o we, w e m ay r eport y ou asde lin qu ent . H ow e v e r, i f o u r exp l ana ti on doe s no t sat is fy yo u an d yo u w riteus w ith in ten d ay s t e ll in g u s th at yo u s ti ll r ef u se to pa y , w e m ust te ll any o new e repo rt yo u to tha t yo u h a v e a q ue st io n a bo u t y ou r b il l. A n d , w e mu s tte ll y o u the n am e o f a ny one w e r ep orte d yo u t o. W e m u st tel l anyo ne w erep ort y ou to th a t th e m atte r has bee n se ttle d b etw een u s w he n it fina ll yis . If w e d on 't fol low th ese rul e s, w e can 't col lec t th e first $5 0 of theq ues tio ne d am ou n t eve n i f y o u r b il l w as c o rre c t.3 , S p ed a l R u le f or C r ed it C a r d P u rc h a se sIf yo u h av e a p ro blem w ith the qu al ity o f go od s o r ser vi ce s t ha t y oup urc ha se d w ith a c re dit c ard , a nd y ou tr ie d in g oo d fa ith to c orre ct th ep ro ble m w ith th e m e rc han t , y ou m ay h av e the righ t no t to pa y th er emain in g am oun t du e o n the go od s o r se r v i ces. Th ere a re tw o l im i ta t io n son th is r igh t(a ) yo u m ust h av e m ade th e p ur cha se in your hom e state o r, i f n ot w ithi ny o ur h o me sta t e, w i th in 100 m ile s o f y ou r cur re nt m ailin g addr e ss; a nd(b ) th e p urc ha se p rice m ust ha ve b een m ore th an $50 .T h es e lim ita tio ns d o n ot a pp ly if w e o wn o r o pe ra te th e m erc ha nt o r i f w em aile d y ou th e a d v er t is em e n t f or t he g o od s o r s er vi ce s,4 . Pu r c h a s e s Ma de w ith C he ck s or C a s h A d va n cesT he S peci a l R ule fo r C re dit C a rd P u rc h ases do es no t ap p ly to p urcha sesmad e w i th a b a la n ce t ra n sfe r c he ck , c a sh a dv a nc e o r p ro motion a l p urc hasec h ec k. T here fo re , if yo u hav e a p rob le m w ith th e q ua lity o f go od s o rse rv ices tha t yo u p urc hase d w ith a b ala nc e t ra ns fe r chec k, p r omot iona lpu rc h a se c h e ck , ca sh a dv anc e chec k or th e pr oc eed s o f a c ash ad v an c e , youdo not hav e the r igh t to w ithh o ld p aym e nt o f th e am oun t du e .

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4130109 4:24:30 PM I


11/14

D ES C R IP T I O N O F C O V E R A G ESC HEDULEDAIRT RAVE LACODENT I N SURANCE

D is (Q v e~ C ard m e m be rs a re p ro vi de d w ith $50 0 ,0 00 S ch ed ule d A ir T ravelA cc iden t Insu rance.' Y ou , y ou r S po us e, D om e stic P artn e r or e lig ib leDependent Children for whom 1I ticket WlIS purchased on your Card (asde f ine d bel ow ) w il l b e au toma tical ly i ns ur e d a ~a i ns t A c cid e nt al L o ss o f L if ea r ising from and oc cu rrin g on a C over ed Tnp w hile you , your Spo use ,Dome stic Partn er o r e ligi b le D e pe nd en t C hild re n fo r w ho m a tic ke t w aspurch ased on yo ur C ard are rid in g a s a p as senger in o r en ter in g , e x it ing orbei ng str uc k by a Sch ed ule d A ircr a ft or a convey ance op era te d b y a m ili tarytransp or t se rv ic e or rid ing as a passenger in o r en ter ing or ex itin g anyco n vey ance lice ns ed to carry th e p ub lic fo r a fee and w hile travel ing di rect lyto o r fr om the a irpor t immed iately pr ec ed ing the departur e of a Sched u le dA i r cr a ft o n whic h t h e In su r ed P e rson h as p ur ch ase d p assa ge a nd immed ia t e lyf o ll ow i ng t h e ar ri va l o f a S ch ed ul e A ircr a ft on w hi ch th e In su re d Perso n w asa p a ss en ger.'C overag e is u nd erw ritt en by Federa l In su ran ce Company , a m em berin su r e r of the Chubb Gr oup of Ins u r ance Compan i es . Cer tai n l imita tion s a ndex c lus ions app ly . Pl AN FEATURESTHE BENEm s: Th e fu ll B e n e fit Am ou nt ( $500 ,000) is paya bl e f or A c ci den ta lLos s o f L ife . The Lo s s must o cc ur w ith in o ne y ea r o f t he A cc ide ntMAX IMUMUM fTO F I N SURANCE :If m o re th an o ne Insured Pe r so n s u ff ersa Los s in th e sam e A cc id en t, the Com pan y wi ll no t pa y m ore than th em ax im um lim it o f ins u r ance ($ 20 ,0 00 ,000) p er A cc iden t. I f an A ccide n tresu lt s in B en ef it Am o u n ts b e com i ng pa yable , w hi ch w he n to ta led , exceedth e appl ic ab le lim it o f in su ra nc e sh ow n above , the max imum lim it ofinsu ra nc e w ill be di vi d ed pr op ort ionally among th e In su red Perso ns , bas edon each ap p lic ab le B enefit Amoun t. In the even t o f m ultipl e A cc identaldea ths per A ccoun t ar isin g fr om any one A ccident , the C om pany 's lia b il ityf or a ll su ch Loss es w ill be l im i te d to a m ax im um l imit o f in su ranc e e qu al totw o t im es th e a pp licab l e B e ne fi t Am oun t for Lo ss o f L i fe . B e nef its w ill b ep ro po rtio na te ly d iv id ed a mo ng th e I nsu re d P er so ns u p to t he m ax imuml imit o f i ns uran ce .DEFIN IT IONS:A cc id en t o r A c ciden t a

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