Common use of Liability for Unauthorized Use Clause in Contracts

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 ● Monthly Fee None ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May.

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 None ● Monthly Fee None ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. the Index (Prime Rate).

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Annual Percentage Rate (APR) for Purchases 3.25% to 28.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 3.25% to 28.24%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 19.99% to 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 ● Monthly Fee None ● Balance Transfer Transaction Fees Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. 24.99% to the Index (Prime Rate).

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Annual Percentage Rate (APR) for Purchases 13.99% to 22.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 13.99% to 22.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 21.49% to25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 None ● Monthly Fee None ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. 19.74% to the Index (Prime Rate).

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Annual Percentage Rate (APR) for Purchases 13.24% to 22.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 13.24% to 22.99%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. Set-up and Maintenance Fees None or $19-$35 None ● Annual Fee $35 ● Monthly Fee None ● Balance Transfer Transaction Fees Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May.

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Annual Percentage Rate (APR) for Purchases 18.49% to 27.49%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 18.49% to 27.49%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.99% to 30.49%.This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 None ● Monthly Fee None ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. 19.74% to the Index (Prime Rate).

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Annual Percentage Rate (APR) for Purchases 8.50% to 29.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 8.50% to 29.24%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 19.24% to 26.74%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 ● Monthly Fee None ● Balance Transfer Transaction Fees Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction ● Late Payment Up to $40 39 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. 24.49% to the Index (Prime Rate).

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 None ● Monthly Fee None ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Late Payment Up to $40 39 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe in The Wall Street Journal in May.

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 ● Monthly Fee None ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Late Payment Up to $40 39 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe in The Wall Street Journal in May.

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Annual Percentage Rate (APR) for Purchases 22.24% to 27.74%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 22.24% to 27.74%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 22.24% to 27.74%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 None ● Monthly Fee None ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. 23.74% to the Index (Prime Rate).

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Annual Percentage Rate (APR) for Purchases 10.99%to27.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 10.99% to27.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 19.99% to 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 ● Monthly Fee None ● Balance Transfer Transaction Fees Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. 24.74% to the Index (Prime Rate).

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Annual Percentage Rate (APR) for Purchases 18.99% to 24.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 18.99% to 24.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. Set-up and Maintenance Fees None or $19-$35 None ● Annual Fee $35 ● Monthly Fee None ● Balance Transfer Transaction Fees Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. 20.99% to the Index (Prime Rate).

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Annual Percentage Rate (APR) for Purchases 8.50%to27.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 8.50% to27.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 19.99% to 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 ● Monthly Fee None ● Balance Transfer Transaction Fees Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. 24.74% to the Index (Prime Rate).

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Annual Percentage Rate (APR) for Purchases 13.99% to 21.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 13.99% to 21.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 21.49% to25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 None ● Monthly Fee None ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. 18.74% to the Index (Prime Rate).

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Annual Percentage Rate (APR) for Purchases 13.99% to 26.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 13.99% to 26.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 21.49% to25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 None ● Monthly Fee None ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. 23.74% to the Index (Prime Rate).

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Annual Percentage Rate (APR) for Purchases 18.99% to 30.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 18.99% to 30.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 26.49% to 30.49%.This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 None ● Monthly Fee None ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. 22.74% to the Index (Prime Rate).

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Annual Percentage Rate (APR) for Purchases 12.99% to 20.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 12.99% to 20.99%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 None ● Monthly Fee None ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Late Payment Up to $40 37 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May.35

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Annual Percentage Rate (APR) for Purchases 16.24% to 29.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 16.24% to 29.24%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 23.74% to 29.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 None ● Monthly Fee None ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. 23.74% to the Index (Prime Rate).

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Annual Percentage Rate (APR) for Purchases 18.99% to 24.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 18.99% to 24.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 ● Monthly Fee None ● Balance Transfer Transaction Fees Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction ● Late Payment Up to $40 39 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. 19.49% to the Index (Prime Rate).

Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE ▇▇▇▇▇-▇▇▇▇ or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. Annual Percentage Rate (APR) for Purchases 8.50%to27.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 8.50% to27.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 19.99% to 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. 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 ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/learnmore. ● Annual Fee $35 ● Monthly Fee None ● Balance Transfer Transaction Fees Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May.