Mastercard Consumer Credit Card

“…nefits and services related to the Card or Account; and (iv) your enrollment for any Card or Account. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending…”

“…tances and procedures under which Claims (as defined below) shall be arbitrated instead of litigated in court upon the election of either party. THIS ARBITRATION PROVISION APPLIES UNLESS, AS OF THE DATE OF THIS AGREEMENT, YOU ARE A MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH MEMBER COVERED BY THE FEDERAL MILITARY…”

“…IONS IN THIS AGREEMENT THAT WAIVE ANY RIGHT TO LEGAL RECOURSE UNDER ANY STATE OR FEDERAL LAW TO THE EXTENT REQUIRED BY THE MILITARY LENDING ACT. THIS ARBITRATION PROVISION WILL HAVE A SUBSTANTIAL IMPACT ON HOW LEGAL DISPUTES BETWEEN YOU AND US ARE RESOLVED. PLEASE READ THIS SECTION V.B (ARBITRATION AND WAIVERS) CAREFULL…”

“…nce or owe us. PLEASE READ THIS AGREEMENT CAREFULLY. THIS AGREEMENT IS SUBJECT TO MANDATORY ARBITRATION PURSUANT TO THE FEDERAL ARBITRATION ACT AND A WAIVER OF CLASS ACTION AND JURY PROVISION. Definitions All capitalized terms used in this Agreement and not otherwise defined have the meanings set forth below. Acco…”

“…nce or owe us. PLEASE READ THIS AGREEMENT CAREFULLY. THIS AGREEMENT IS SUBJECT TO MANDATORY ARBITRATION PURSUANT TO THE FEDERAL ARBITRATION ACT AND A WAIVER OF CLASS ACTION AND JURY PROVISION , UNLESS YOU ARE COVERED BY THE MILITARY LENDING ACT (See Covered Borrower below). Definitions All capitalized terms used i…”

“…G ACT AS DISCUSSED IN MORE DETAIL IN THIS AGREEMENT, THIS AGREEMENT IS SUBJECT TO MANDATORY ARBITRATION PURSUANT TO THE FEDERAL ARBITRATION ACT AND A WAIVER OF CLASS ACTION AND JURY PROVISION. PLEASE CAREFULLY READ SECTION V.B (ARBITRATION AND WAIVERS). Secured Account and Charge Card Account Documents The followi…”

“…nce or owe us. PLEASE READ THIS AGREEMENT CAREFULLY. THIS AGREEMENT IS SUBJECT TO MANDATORY ARBITRATION PURSUANT TO THE FEDERAL ARBITRATION ACT AND A WAIVER OF CLASS ACTION AND JURY PROVISION. Definitions All capitalized terms used in this Agreement and not otherwise defined have the meanings set forth below. Account means your a…”

“…nce or owe us. PLEASE READ THIS AGREEMENT CAREFULLY. THIS AGREEMENT IS SUBJECT TO MANDATORY ARBITRATION PURSUANT TO THE FEDERAL ARBITRATION ACT AND A WAIVER OF CLASS ACTION AND JURY PROVISION , UNLESS YOU ARE COVERED BY THE MILITARY LENDING ACT (See Covered Borrower below). Definitions All capitalized terms used in this Agreement…”

“…G ACT AS DISCUSSED IN MORE DETAIL IN THIS AGREEMENT, THIS AGREEMENT IS SUBJECT TO MANDATORY ARBITRATION PURSUANT TO THE FEDERAL ARBITRATION ACT AND A WAIVER OF CLASS ACTION AND JURY PROVISION. PLEASE CAREFULLY READ SECTION V.B (ARBITRATION AND WAIVERS). Secured Account and Charge Card Account Documents The following Secured Accou…”

“…ou for opening a credit card account with us. This Agreement, and any future changes to it, is your contract with us and governs your credit card. We reserve the right to amend this Agreement at any time, by adding, deleting or changing provisions of this Agreement. When required by law, we will send you notice before doing so. If any amendment gives…”

“…ntage Rate (APR) for Purchases 0% Annual Percentage Rate (APR) for Balance Not applicable Transfers Annual Percentage Rate (APR) for Cash 0% Advances Penalty APR and When it Applies There is no penalty APR. Interest is not charged on this account. Paying Interest There are no grace periods. Interest is not cha…”

“…dvance $10 or 5% of the cash advance amount, whichever is greater Card Replacement $20 Penalty Fees: Late Payment Up to $8 Returned Payment Up to $38 Penalty APR Prime Rate + 11% - Prime Rate + 18.5% How We Will Calculate Your Balance: We use the Average Daily Balance method (including new transactions). See t…”

“…APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 31.49% This APR will vary with the market based on the Prime Rate. Penalty APR and When it None. We do not charge a penalty APR. Applies Paying Interest Your due date is at least 23 days after the close of each billing cycle. We…”

“…e may elect to arbitrate or require the other party to arbitrate any Claim (as defined below) under the following terms and conditions. If you do not opt out, for a dispute subject to arbitration neither you nor we will have the right to: (1) have a court or a jury decide the Claim; (2) participate in a class action in court or in arbitrati…”