PNC Spendwise Credit Card

“…other creditors, credit reporting agencies, employers and other third parties, including through records maintained by federal and state agencies. 9 ARBITRATION PROVISION NOTE: If we have determined that you are a covered borrower, as that term is defined under the Military Lending Act regulation, 32 CFR Part 232 (mean…”

“…other creditors, credit reporting agencies, employers, and other third parties, including through records maintained by federal and state agencies. 9 ARBITRATION PROVISION NOTE: If we have determined that you are a covered borrower, as that term is defined under the Military Lending Act regulation, 32 CFR Part 232 (mean…”

“…h arbitration If you have a claim and we are unable to resolve it informally, you or we may elect to Penalty APR. Failing to resolve it by individual binding arbitration in accordance with the terms of the Arbitration pay on time can result in a Provision of your credit card agreement. If a claim is arbitrated, it wil…”

“…LVED. Under the terms of this Arbitration Provision, and except as set forth below, Claims (as defined below) will be resolved by individual (and not class-wide) binding arbitration in accordance with the terms specified herein, if you or we elect it. 9.1 Your right to opt out; effect of arbitration YOUR RIGHT TO OPT OUT; EFFECT…”

“…erring your Account........................................4 9.2 Definitions ...................................................................4 9.4 Class Action Waiver ...................................................5 8.5 Security interest .........................................................4 9.3 Arbitration…”

“…LVED. Under the terms of this Arbitration Provision, and except as set forth below, Claims (as defined below) will be resolved by individual (and not class-wide) binding arbitration in accordance with the terms specified herein, if you or we elect it. 9.1 Your right to Opt Out; Effect of Arbitration YOUR RIGHT TO OPT OUT; EFFECT…”

“…pay your obligations to us. We have no other security interest for the Account, even though other agreements we have with you may say that we do. 8.6 Jury trial waiver NOTE: If we have determined that you are a covered borrower, as that term is defined under the Military Lending Act regulation, 32 CFR Part 232 (me…”

“…ecurity interest in any of your property. We have no security interest for the Account, even if other agreements we have with you say that we do. 8.6 Jury trial waiver NOTE: If we have determined that you are a covered borrower, as that term is defined under the Military Lending Act regulation, 32 CFR Part 232 (me…”

“…may not apply to you. For details, please see section 9 of your credit card agreement. may be declined. close to, or have reached, your credit limit. Jury trial waiver notice Try to pay off your Generally, the more you pay toward your balance each For any dispute that is not arbitrated: Your credit card agreement…”

“…count and to provide you with a new Account number and a new Card or Cards. 8 OTHER TERMS THAT APPLY TO YOUR ACCOUNT 8.1 Changes to this Agreement We may change this Agreement from time to time and for any reason, except as prohibited by applicable law. We may change fees, the annual percentage rates, whether the annual percentage rates are fixed or variable a…”

“…count and to provide you with a new Account number and a new Card or Cards. 8 OTHER TERMS THAT APPLY TO YOUR ACCOUNT 8.1 Changes to this Agreement We may change this Agreement from time to time and for any reason, except as prohibited by applicable law. We may change fees, the annual percentage rates, whether the annual percentage rates are fixed or variable,…”

“…Definitions 8.1 Changes to this Agreement communication, and/or by fax, in accordance with We, Us and Our. Solely as used in this Arbitration We may change this Agreement from time to time and applicable law; and Provision, the terms we, us and our also refer to (1) our for any reason, except as prohibited by applicable law. We using third parties to contact you by phone, email, other employees, officers, directors, parents, contro…”

“…me rate (index). In some instances, the consumer s credit card agreement provided for a non-variable APR for some of the features of the account. The Penalty APR may be applied to the consumer s account if the consumer makes a late payment. If the APRs on an account are increased for this reason, the Penalty A…”

“…Rate Information: Annual Percentage Rates ( APRs ) below with a (V) vary (increase or decrease) with the market based on the prime rate (index). The Penalty APR may be applied to the consumer s account if the consumer makes a late payment. If the APRs on an account are increased for this reason, the Penalty A…”

“…e rate (index). In some instances, the consumer s credit card agreement provided for a non -variable APR for some of the features of the account. The Penalty APR may be applied to the consumer s account if the consumer makes a late payment. If the APRs on an account are increased for this reason, the Penalty A…”

“…solved by individual (and not class-wide) binding arbitration in accordance with the terms specified herein, if you or we elect it. 9.1 Your right to opt out; effect of arbitration YOUR RIGHT TO OPT OUT; EFFECT OF ARBITRATION. This Arbitration Provision will apply unless you opt out by providing proper and timely notice descr…”

“…...................................................................5 8.3 No waiver of rights/Oral agreements .....................4 9.1 Your Right to Opt Out; Effect of Arbitration ............4 9.3.7 Effect of arbitration award; appeal............5 8.4 Transferring your Account........................................4 9.2 De…”

“…solved by individual (and not class-wide) binding arbitration in accordance with the terms specified herein, if you or we elect it. 9.1 Your right to Opt Out; Effect of Arbitration YOUR RIGHT TO OPT OUT; EFFECT OF ARBITRATION. This Arbitration Provision will apply unless you opt out by providing proper and timely notice descr…”