Cardmember Agreement: Part 1 of 2Cardmember Agreement • May 21st, 2019
Contract Type FiledMay 21st, 2019Interest Rates Annual Percentage Rate(APR) for Cash Advances Prime Rate + 21.99%This is a variable APR. See Explanation of Variable Rates below. Paying Interest Your due date is at least 25 days after the close of each billing period. We will begin charging interest on cash advances on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Annual Membership Fee $550 Transaction Fees● Cash Advance● ForeignTransaction Either $10 or 5% of the amount of each cash advance, whichever is greater.None Penalty Fees● Late Payment● Returned Payment Up to $40Up to $40
Cardmember Agreement: Part 1 of 2Cardmember Agreement • May 21st, 2019
Contract Type FiledMay 21st, 2019Interest Rates Annual Percentage Rate(APR) for Cash Advances Prime Rate + 21.99%This is a variable APR. See Explanation of Variable Rates below. Paying Interest Your due date is at least 25 days after the close of each billing period. We will begin charging interest on cash advances on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Annual Membership Fee $550 Transaction Fees● Cash Advance● ForeignTransaction Either $10 or 5% of the amount of each cash advance, whichever is greater.None Penalty Fees● Late Payment● Returned Payment Up to $38Up to $38
Cardmember Agreement: Part 1 of 2Cardmember Agreement • May 21st, 2019
Contract Type FiledMay 21st, 2019Interest Rates Annual Percentage Rate(APR) for Cash Advances Prime Rate + 21.99%This is a variable APR. See Explanation of Variable Rates below. Paying Interest Your due date is at least 25 days after the close of each billing period. We will begin charging interest on cash advances on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Annual Membership Fee $550 Transaction Fees● Cash Advance● ForeignTransaction Either $10 or 5% of the amount of each cash advance, whichever is greater.None Penalty Fees● Late Payment● Returned Payment Up to $39Up to $39
Cardmember Agreement: Part 1 of 2Cardmember Agreement • May 21st, 2019
Contract Type FiledMay 21st, 2019Interest Rates Annual Percentage Rate(APR) for Cash Advances Prime Rate + 21.99%This is a variable APR. See Explanation of Variable Rates below. Paying Interest Your due date is at least 25 days after the close of each billing period. We will begin charging interest on cash advances on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Annual Membership Fee $550 Transaction Fees● Cash Advance● ForeignTransaction Either $10 or 5% of the amount of each cash advance, whichever is greater.None Penalty Fees● Late Payment● Returned Payment Up to $38Up to $38
Cardmember Agreement: Part 1 of 2 As of: 11/08/2018Cardmember Agreement • September 10th, 2018
Contract Type FiledSeptember 10th, 2018Interest Rates Annual Percentage Rate (APR) for Pay Over Time Feature Prime Rate + 14.99%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 your Account if you:1) make one or more late payments; or2) make a payment that is returned by your bank.We may also consider your creditworthiness in determining whether or not to applythe penalty APR to yourAccount. How Long Will the Penalty APR Apply? If the penalty APR is applied, it will apply for at least 6 months. We will review your Account every 6 months after the penalty APR is applied. The penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added to a Pay Over Time balance at your request, we will begin
Cardmember Agreement: Part 1 of 2 As of: 12/31/2018Cardmember Agreement • September 10th, 2018
Contract Type FiledSeptember 10th, 2018Interest Rates Annual Percentage Rate(APR) for Pay Over Time Feature Prime Rate + 14.99%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 your Account if you:1) make one or more late payments; or2) make a payment that is returned by your bank.We may also consider your creditworthiness in determining whether or not to applythe penalty APR to yourAccount. How Long Will the Penalty APR Apply? If the penalty APR is applied, it will apply for at least 6 months. We will review your Account every 6 months after the penalty APR is applied. The penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added to a Pay Over Time balance at your request, we will begin
Cardmember Agreement: Part 1 of 2 As of: 12/19/2018Cardmember Agreement • September 10th, 2018
Contract Type FiledSeptember 10th, 2018Interest Rates Annual Percentage Rate(APR) for Pay Over Time Feature Prime Rate + 14.99%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 your Account if you:1) make one or more late payments; or2) make a payment that is returned by your bank.We may also consider your creditworthiness in determining whether or not to applythe penalty APR to yourAccount. How Long Will the Penalty APR Apply? If the penalty APR is applied, it will apply for at least 6 months. We will review your Account every 6 months after the penalty APR is applied. The penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. Paying Interest Your due date is at least 25 days after the close of each billing period. For transactions added to a Pay Over Time balance at your request, we will begin
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 5th, 2018
Contract Type FiledSeptember 5th, 2018This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement.
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 5th, 2018
Contract Type FiledSeptember 5th, 2018This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement.
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 5th, 2018
Contract Type FiledSeptember 5th, 2018This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement.
Cardmember Agreement: Part 1 of 2Cardmember Agreement • September 5th, 2018
Contract Type FiledSeptember 5th, 2018This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement.
Cardmember Agreement: Part 1 of 2Cardmember Agreement • March 7th, 2017
Contract Type FiledMarch 7th, 2017Interest Rates Annual Percentage Rate(APR) for Cash Advances Prime Rate + 21.99%This is a variable APR. See Explanation of Variable Rates below. Paying Interest Your due date is at least 25 days after the close of each billing period. We will begin charging interest on cash advances on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau Tolearn more about factors to considerwhen applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Initiation Fee $7,500 Annual Membership Fee $2,500 Transaction Fees● Cash Advance● ForeignTransaction Either $10 or 5% of the amount of each cash advance, whichever is greater.None Penalty Fees● Late Payment● Returned Payment Up to $38Up to $38
Cardmember Agreement: Part 1 of 2Cardmember Agreement • March 7th, 2017
Contract Type FiledMarch 7th, 2017Interest Rates Annual Percentage Rate(APR) for Cash Advances Prime Rate + 21.99%This is a variable APR. See Explanation of Variable Rates below. Paying Interest Your due date is at least 25 days after the close of each billing period. We will begin charging interest on cash advances on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau Tolearn more about factors to considerwhen applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Initiation Fee $7,500 Annual Membership Fee $2,500 Transaction Fees● Cash Advance● ForeignTransaction Either $10 or 5% of the amount of each cash advance, whichever is greater.None Penalty Fees● Late Payment● Returned Payment Up to $38Up to $38
Cardmember Agreement: Part 1 of 2Cardmember Agreement • March 7th, 2017
Contract Type FiledMarch 7th, 2017Interest Rates Annual Percentage Rate(APR) for Cash Advances Prime Rate + 21.99%This is a variable APR. See Explanation of Variable Rates below. Paying Interest Your due date is at least 25 days after the close of each billing period. We will begin charging interest on cash advances on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau Tolearn more about factors to considerwhen applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Initiation FeeAnnual Membership Fee $10,000$5,000 Transaction Fees● Cash Advance● ForeignTransaction Either $10 or 5% of the amount of each cash advance, whichever is greater.None Penalty Fees● Late Payment● Returned Payment Up to $39Up to $39
Cardmember Agreement: Part 1 of 2Cardmember Agreement • March 7th, 2017
Contract Type FiledMarch 7th, 2017This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement.
Cardmember Agreement: Part 1 of 2Cardmember Agreement • March 7th, 2017
Contract Type FiledMarch 7th, 2017Interest Rates Annual Percentage Rate(APR) for Cash Advances Prime Rate + 21.99%This is a variable APR. See Explanation of Variable Rates below. Paying Interest Your due date is at least 25 days after the close of each billing period. We will begin charging interest on cash advances on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau Tolearn more about factors to considerwhen applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Initiation Fee $10,000 Annual Membership Fee $5,000 Transaction Fees● Cash Advance● ForeignTransaction Either $10 or 5% of the amount of each cash advance, whichever is greater.None Penalty Fees● Late Payment● Returned Payment Up to $39Up to $39
Cardmember Agreement: Part 1 of 2Cardmember Agreement • March 7th, 2017
Contract Type FiledMarch 7th, 2017Interest Rates Annual Percentage Rate(APR) for Cash Advances Prime Rate + 21.99%This is a variable APR. See Explanation of Variable Rates below. Paying Interest Your due date is at least 25 days after the close of each billing period. We will begin charging interest on cash advances on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau Tolearn more about factors to considerwhen applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Initiation Fee $10,000 Annual Membership Fee $5,000 Transaction Fees● Cash Advance● ForeignTransaction Either $10 or 5% of the amount of each cash advance, whichever is greater.None Penalty Fees● Late Payment● Returned Payment Up to $40Up to $40