JCB CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE UNDER THE FEDERAL TRUTH IN LENDING ACT

1. USE OF ACCOUNT.     
You can use your Card to obtain cash, goods, or services. You agree that you will use your Card primarily for personal, family or household purposes.
Purchases. You can use your Card to pay for goods and services at any and all merchant locations and service providers that honor the Card. Any such use of your Card will be treated as a "purchase."
Cash Advance. You can use your Card to obtain cash from branch offices of participating financial institutions or automated teller machines ("ATM") linked to a participating ATM network. Any such use of your Card will be treated as a "cash advance."
Convenience Checks. We may, from time to time, issue convenience checks to you. Convenience Checks allow you to write a check to a third party and the check is drawn against the Account. Convenience Checks are treated the same as cash advances and are referred to in this Agreement as "check advances."
         
2. CHARGE LIMIT / CASH LIMIT.    
You agree not to make purchases that result in your account balance exceeding the credit limit we set for your Account. You agree not to make cash or check advances that result in your Account balance exceeding the cash limit we set for your Account. The initial credit limit is set forth on the face of your Card carrier. The credit limit and the cash limit can be found on your monthly statement. We reserve the right to reduce your credit limit or cash limit.
    
         
3. PROMISE TO PAY.    
You promise to pay us for all purchases, cash advances, finance charges, fees and other charges associated with your Account. You also agree to be responsible for charges (i) incurred by persons who have actual, implied or apparent authority to use your Card(s) and/or Account or (ii) from which any of you receives benefit, whether tangible or intangible.    
         
4. PAYMENTS.    
Each month you will be billed for charges to your Account. You may elect to pay only a portion of the amounts owing on your Account each month, but you agree to pay at least the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be as follows: (i) for residents of California, 5% of the New Balance shown on your billing statement or $15 (whichever is greater), or (ii) for all others, 3% of the New Balance shown on your billing statement or $15 (whichever is greater), plus any part of the previous month's Minimum Payment Due that is past due, and any amount by which your New Balance exceeds your assigned credit limit. A New Balance of $15 or less must be paid in full.    
         
5. CURRENCY CONVERSION.     
If you use the Card for a transaction in a currency other than U.S. dollars, we and our affiliate company will convert such transaction amount into U.S. dollars pursuant to the then-applicable conversion procedures and operating regulations. Currently, we and our affiliate company use wholesale exchange rates, with the exception of certain currencies where there are government-mandated exchange rates. In each case, such applicable rate will be increased by 1.1% by our affiliate company as an exchange fee and we will bill you for the U.S. dollar amount so calculated. If a credit is issued for a transaction, the credit amount will be calculated in the same manner. The currency conversion rate used on the conversion date may differ from the rate in effect on the date you transact on the Card or the date on which such transaction is posted. You agree to accept such converted amount in U.S. dollars.     
         
6. HOW FINANCE CHARGES ARE CALCULATED.     
We arrive at the total FINANCE CHARGE shown on your billing statement by adding together (a) the total "Periodic Finance Charges" for purchases, and (b) the total "Periodic Finance Charges" for cash and check advances and (c) the total "Transaction Finance Charges" for the billing cycle.    
         
We determine the balances upon which FINANCE CHARGES will be imposed as follows:    
         
PURCHASE BALANCE SUBJECT TO PERIODIC FINANCE CHARGE: If you pay your New Balance at the beginning of a billing cycle in full by the Payment Due Date, no periodic finance charges will be imposed on purchase transactions for the billing cycle. For all other billing cycles, we will determine the purchase balance subject to periodic finance charges by adding together the purchase balance of the Account for each day in the billing cycle and dividing the sum by the number of days in the billing cycle. We calculate the daily purchase balance by (a) starting with the day's beginning balance for the Account, (b) adding any purchases or other charges posted that day, (c) subtracting any payments or credits posted that day, and (d) subtracting any outstanding cash and check advances, finance charges or account fees.    
        
CASH AND CHECK ADVANCE BALANCE SUBJECT TO PERIODIC FINANCE CHARGES: For all billing cycles, we will determine the cash and check advance balance subject to periodic finance charges by adding together the cash and check advance balance of the Account for each day in the billing cycle and dividing the sum by the number of days in the billing cycle. We calculate the daily cash and check advance balance by (a) starting with the day's beginning balance for the Account, (b) adding any cash and check advances or other charges posted that day, (c) subtracting any payments or charges posted that day, and (d) subtracting any outstanding purchases, finance charges or account fees.    
        
We compute Periodic Finance Charges as follows:    
We multiply the purchase balance subject to periodic finance charges by a Monthly Periodic Rate with a corresponding ANNUAL PERCENTAGE RATE equal to 8.5% above the highest U.S. Prime Rate as published in The Wall Street Journal (the "Prime Rate") to arrive at the total Periodic Finance Charge for purchases shown on your statement. We multiply the cash and check advance balance subject to periodic finance charge by a Monthly Periodic Rate with a corresponding ANNUAL PERCENTAGE RATE equal to 8.5% above the Prime Rate to arrive at the total Periodic Finance Charge for cash and check advances shown on your statement. Such ANNUAL PERCENTAGE RATE shall not exceed 16.0%.    
         
The ANNUAL PERCENTAGE RATE may change quarterly on the first day of the billing cycle beginning in April, July, October, and January, based on the Prime Rate on the second Tuesday or March, June, September, and December. Any increase will have the effect of higher monthly payments and higher finance charges. The monthly periodic rate is the ANNUAL PERCENTAGE RATE divided by twelve (12). If The Wall Street Journal stops publishing the Prime Rate, we reserve the right to choose a comparable index.    
         
The FINANCE CHARGE is posted to your Account at the end of the billing cycle in a single amount as part of the New Balance.    
         
Transaction Finance Charge. Each time you obtain a cash or check advance, you agree to pay a FINANCE CHARGE of $2.00 or 2% of the amount of the advance, whichever is greater. The assessment of a cash or check advance finance charge may increase the ANNUAL PERCENTAGE RATE on your periodic statement above the corresponding ANNUAL PERCENTAGE RATE.    
         
Grace Period For Purchases. We will not assess a Periodic Finance Charge on purchases in a billing cycle if we receive the New Balance shown on your previous billing statement by the Payment Due Date (which is twenty-five (25) days after the closing date of the billing cycle). If we do not receive the entire New Balance by the Payment Due Date, Periodic Finance Charges will accrue on all purchases, from the beginning of the billing cycle or the date they were posted to your Account, whichever is later.    
         
No Grace Period For Cash and Check Advances. There is no grace period for cash and check advances. Periodic Finance Charges accrue on advances from the date they are posted to the account.    
         
7. OTHER FEES AND CHARGES.    
Late Charge Fee. You will have at least twenty-three (23) days between the Billing Cycle Closing Date and the Payment Due Date shown on your billing statement. If we do not receive the Minimum Payment Due within five days of the Payment Due Date, you agree to pay a late charge as follows: (i) for residents of New York and Illinois, no late charge is imposed, (ii) for residents of California, a late charge of $10.00 is imposed for the billing period, and (iii) for residents of all other states, a late charge of $25.00 is imposed for the billing period.    
         
Collection Costs. You agree to pay the costs of collecting the Account or retrieving the Card, including court costs and reasonable attorneys' fees and costs, whether or not a lawsuit is filed.    
        
The above fees and charges will be assessed to the extent permitted by applicable law.

8. CREDIT BALANCE.
To obtain a refund of a credit balance, please write to us at JCB International Credit Card Co., Ltd., P.O. Box 71565, Los Angeles, CA 90071-0565.

9. FINANCIAL DATA AND CREDIT INFORMATION.     
You agree to give us a current financial statement or new credit information, from time to time, upon request. From time to time we may release information about our experience with you and your credit records to credit bureaus and others. We can reinvestigate any information you provided on your application at any time, and in the course of doing so we may ask you for additional information, request credit bureau reports and otherwise verify your credit standing.

10. CHANGE OF PERSONAL INFORMATION.
You agree to notify us immediately of any change in your name or address. Your notice must be sent to us at the address appearing on the front of your statement.

11. UNAUTHORIZED USE.
You agree to contact us by telephone immediately if someone uses your Card without your permission or if your Card is lost or stolen. You can call toll-free, twenty-four (24) hours a day, at: 800-522-8788. You may be liable for the unauthorized use of your Card. You will not be liable for unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft, or possible unauthorized use. In any case, your liability will not exceed $50.00.

12. MERCHANT RELATIONS.
We will not be responsible if any merchant or financial institution refuses to honor your Card. If you have a dispute concerning any merchandise or service purchased using your Account, you agree to attempt to resolve the dispute directly with the merchant. We will not be responsible for errors in cash advance transactions that are due to malfunctions in ATMs.

13. AUTHORIZATIONS.
We reserve the right to deny authorization of any purchase or cash or check advance transaction without prior notification. You agree that neither we, nor any merchant or authorization service we use, shall be liable for any authorization denial.

14. TERMINATION OF ACCOUNT.    
Termination By You. You may terminate your Account at any time by returning all current Card(s) to us and writing us that you wish to cancel the Account. Your letter and the Card(s) must be sent to us at our address appearing on the front of your billing statement.    

Termination By Us. We may terminate your Account at any time, with or without cause, upon giving you only such notice as is required by law. If we terminate your Account, you must immediately return all Card(s) and Convenience Check(s) to us. Any use of Card(s) or Convenience Check(s) after your Account has been terminated may be considered fraudulent. Upon termination, and subject to applicable law, we may declare your obligations immediately due and payable; you will continue to be liable for all sums owed on your Account until it is paid in full.

15. CARD SURRENDER.     
You agree to surrender such Card to us or to our agents upon demand, and to promptly cease use of and return all Cards and Convenience Checks upon termination of your Account.    

16. LIABILITY.     
If you applied for an Account as an individual and were approved, then your Account is an individual Account. If you applied for an Account with another person as a joint Account and were approved, then your Account is a joint Account. If you requested that an additional person be given a Card to use your Account (whether the Account is an individual Account or a joint Account), and we issued you an additional Card for that person, then that person is an Authorized User. If your Account is an individual Account, you are liable for the full amount of all purchases, cash and check advances, finance charges, miscellaneous charges and fees, and any other monetary obligations associated with the Account, including charges in excess of your credit limit and including any charges by an Authorized User. If your Account is a joint Account, each of you has the right to use the Account to the extent of the credit limit and each of you is jointly and severally liable for the full amount of all purchases, cash and check advances, finance charges, miscellaneous charges and fees, and any other monetary obligations associated with the Account, including charges in excess of your credit limit and including any charges by an Authorized User or by the joint applicant on your joint Account.

17. WAIVERS.     
We may waive or decline to enforce any of our rights under this Agreement at any time without affecting our ability to enforce those same rights at another time. Our ability to enforce our remaining rights is not affected if we waive any of our rights.

18. ELECTRONIC TERMINALS.     
If you have been or are later given a Personal Identification Number ("PIN") to access your Account at ATMs, you agree not to disclose your PIN to others. You also agree that we may terminate your use of ATMs without cause or prior notice. 

19. CHANGE IN TERMS.     
We can change the terms of this Agreement, including terms relating to fees and charges that may be imposed and including adding new contract terms that differ in kind from the terms and conditions included in this Agreement, at any time. If we do this, we will notify you in writing before the effective date of the changes. You will be bound by these changes if you fail to notify us within thirty (30) days in writing that you wish to terminate this agreement, or if you use or retain your Card after being notified of the changes. We reserve the right to apply any new terms (including any increased ANNUAL PERCENTAGE RATE) both to new transactions and to unpaid amounts on your Account. 

20. ASSIGNMENT.     
We have the right to assign all or any portion of this agreement and the outstanding balance of your Account at any time, without providing prior notice. 

21. GOVERNING LAW/CONFLICTING TERMS.     
The rights and obligations between you and us concerning the Account are governed by and interpreted according to California and federal law. Your Account has been approved and agreed to in California, credit is extended to you in California, your payments are received in California, and your payments are completed when we actually receive collected funds in California from your payment check. Any dispute between you and us will be decided under California law. The terms of this Agreement supersede any conflicting terms set forth on any sales slip or advance document. If any one or more parts of this Agreement is found to be unenforceable, the remainder of the Agreement will remain in full force and effect.    

22. JCB CASH BACK.
Certain JCB Card products are eligible to receive JCB Cash Back Points when the Card is used for purchase (but not cash advances, check advances, finance charges, and other fees and charges). Mitsuwa JCB Card: If your Card bears the Mitsuwa JCB mark on its face, then you will earn one JCB Cash Back Point for every $200.00 in new purchase transactions (net of purchases, chargebacks, and chargeoffs) posted to your Account during a billing period. JCB Cash Back Points will appear on your Account monthly billing statement. If your Account has at least five JCB Cash Back Points outstanding on your Account monthly billing statement, you may redeem the JCB Cash Back Points in writing or by telephone. You are entitled to receive $2.00 for each JCB Cash Back Point redeemed, which will be credited to your Account. JCB Card: If your Card bears the JCB card mark, then you will earn one JCB Cash Back Point for every $100.00 in new purchase transactions (net of purchases, chargebacks, and chargeoffs) posted to your Account during a billing period. JCB Cash Back Points will appear on your Account monthly billing statement. If your Account has at least one JCB Cash Back Point outstanding on your Account monthly billing statement, you may redeem the JCB Cash Back Points in writing or by telephone. You are entitled to receive $1.00 for each JCB Cash Back Point redeemed, which will be credited to your Account.     

23. PRIVACY NOTICE.     

YOUR FEDERAL BILLING RIGHTS

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