Marriott Bonvoy® American Express® Card Agreement

Legal Rights & Agreement Rules · Context

Part 1: the card, issuer and as-of date

Part 1 of 3 of the Card Member Agreement is for the Marriott Bonvoy American Express Card. It is stated as of 06/30/2026 and names American Express National Bank as the issuer. The rates and fees table and the explanations that follow in this part apply to this card account.

Supporting quotations

Card Member Agreement: Part 1 of 3

As of: 06/30/2026 Issuer: American Express National Bank

Marriott BonvoyTM American Express® Card

Qualifications & exceptions

• The date shown is the "As of" date of this agreement text; the source does not state a separate effective date for later changes.

Legal Rights & Agreement Rules · Company commitment

What makes up the Card Member Agreement

Part 1, Part 2, Part 3 and any supplements or amendments make up the Card Member Agreement. You can request a copy through your online account or by calling the number on the back of your Card.

Details not recorded for this card

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Part 1, Part 2, Part 3 and any supplements or amendments make up your Card Member Agreement. You can request a copy of your Card Member Agreement through your online account or by calling the number on the back of your Card.

Qualifications & exceptions

• The rewards supplement that follows is part of the Agreement as a supplement.

Legal Rights & Agreement Rules · Company practice

Part 2: how you agree, and cancelling before use

Part 2 together with Part 1 and Part 3 makes up the Card Member Agreement for the Account identified on page 1 of Part 1, and any supplements or amendments are also part of it. When you use the Account (or you sign or keep the Card), you agree to the terms of the Agreement. If you have not yet used the Account or made a payment on the Account after receiving a billing statement, you can cancel your Card without obligation to pay any fees.

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Card Member Agreement: Part 2 of 3

This document together with Part 1 and Part 3 make up the Card Member Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the Card), you agree to the terms of the Agreement.

If you have not yet used the Account or made a payment on the Account after receiving a billing statement, you can cancel your Card without obligation to pay any fees.

Part 1, Part 2, Part 3 and any supplements or amendments make up your Card Member Agreement.

Qualifications & exceptions

• The right to cancel without fees applies only if you have not yet used the Account or made a payment after receiving a billing statement.

Legal Rights & Agreement Rules · Permission or license

The company may change the Agreement; no oral modifications

The company may change the Agreement, subject to applicable law. The written Agreement is a final expression of the agreement governing the Account and may not be modified or amended by any alleged oral agreement.

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Changing the Agreement: We may change this Agreement, subject to applicable law. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be modified or amended by any alleged oral agreement.

Not stated here

• This section does not say how or when the company will notify you of a change, or whether you may reject a change.

Legal Rights & Agreement Rules · Restriction or exception

Assignment of the Agreement and no waiver of rights

The company may sell, transfer or assign the Agreement and your Account at any time without notifying you. You may not sell, assign or transfer your Account or any of your obligations under the Agreement. The company may choose to delay enforcing or not exercise its rights, and if it does it does not waive its rights to exercise or enforce them on any other occasion.

Details not recorded for this card

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Assigning the Agreement: We may sell, transfer or assign this Agreement and your Account. We may do so at any time without notifying you. You may not sell, assign or transfer your Account or any of your obligations under this Agreement.

We do not waive our rights: We may choose to delay enforcing or to not exercise rights under this Agreement. If we do this, we do not waive our rights to exercise or enforce them on any other occasion.

Legal Rights & Agreement Rules · Company practice

Governing law: Utah and federal law; Maryland election

Utah law and federal law govern the Agreement and your Account without regard to internal principles of conflicts of law. The company states it entered into the Agreement with you in Utah, where it is located and holds your Account. For Maryland residents, if your Account has a Maryland billing address, the company elects to offer your Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article to the extent, if any, that Maryland law applies to your Account.

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Governing law: Utah law and federal law govern this Agreement and your Account without regard to internal principles of conflicts of law. We entered into this Agreement with you in Utah, where we are located and hold your Account.

Maryland residents: If your Account has a Maryland billing address, we elect to offer your Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article to the extent, if any, that Maryland law applies to your Account.

Qualifications & exceptions

• The Maryland sentence applies only to accounts with a Maryland billing address and only to the extent Maryland law applies.

Legal Rights & Agreement Rules · User right or choice

State notices for Oregon and Washington residents

Notice to Oregon residents: service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month, and you may pay more than the Minimum Payment Due, up to your entire outstanding balance, at any time. Notice for residents of Washington State: in accordance with the Revised Code of Washington Statutes, Section 63.14.167, you are not responsible for payment of interest charges that result solely from a merchant's failure to transmit to the company within seven working days a credit for goods or services accepted for return or forgiven if you have notified the company of the merchant's delay in posting such credit, or the company's failure to post such credit to your Account within three working days of its receipt of the credit.

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Notice to Oregon Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the Minimum Payment Due, up to your entire outstanding balance, at any time.

Notice for residents of Washington State: In accordance with the Revised Code of Washington Statutes, Section 63.14.167, you are not responsible for payment of interest charges that result solely from a merchant's failure to transmit to us within seven working days a credit for goods or services accepted for return or forgiven if you have notified us of the merchant's delay in posting such credit, or our failure to post such credit to your Account within three working days of our receipt of the credit.

Qualifications & exceptions

• The Washington protection is limited to interest charges that result solely from the merchant's or the company's failure to post the credit within the stated working days, and requires that you have notified the company of the merchant's delay.
• The statute citation is quoted as written in the agreement and is not supplied or checked here.

Legal Rights & Agreement Rules · Procedure

Claims Resolution: customer service first, then mediation, arbitration or litigation

Most customer concerns can be resolved by calling the Customer Service Department at the number on the back of your Card. If Customer Service cannot resolve a complaint to your satisfaction, the Claims Resolution section explains how claims can be resolved through mediation, arbitration or litigation, and it includes an arbitration provision. You may reject the arbitration provision by sending written notice within 45 days after your first Card purchase (see Your Right to Reject Arbitration), which must be mailed within that 45-day period.

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Claims Resolution

Most customer concerns can be resolved by calling our Customer Service Department at the number listed on the back of your Card. In the event Customer Service is unable to resolve a complaint to your satisfaction, this section explains how claims can be resolved through mediation, arbitration or litigation. It includes an arbitration provision. You may reject the arbitration provision by sending us written notice within 45 days after your first Card purchase. See Your Right to Reject Arbitration below.

Your rejection notice must be mailed within 45 days after your first Card purchase.

Qualifications & exceptions

• Rejecting arbitration has specific form requirements stated in the rejection section (written notice with name, address, Account number and personal signature).

Legal Rights & Agreement Rules · Restriction or exception

Who is covered and what counts as a Claim

For the Claims Resolution section, "you and us" includes any corporate parents, subsidiaries, affiliates or related persons or entities. A Claim means any current or future claim, dispute or controversy relating to your Account(s), the Agreement, or any agreement or relationship you have or had with the company, except for the validity, enforceability or scope of the Arbitration provision. A Claim includes initial claims, counterclaims, crossclaims and third-party claims; claims based on contract, tort, fraud, statute, regulation, common law and equity; claims by or against any third party using or providing any product, service or benefit in connection with any account; and claims that arise from or relate to accounts created under any of the agreements or their balances, advertisements, promotions or statements related to accounts, goods or services financed under accounts or terms of financing, benefits and services related to Card Membership (including fee-based or free benefit programs, enrollment services and rewards programs), and your application for any account. You may not sell, assign or transfer a claim.

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For this section, you and us includes any corporate parents, subsidiaries, affiliates or related persons or entities. Claim means any current or future claim, dispute or controversy relating to your Account(s), this Agreement, or any agreement or relationship you have or had with us, except for the validity, enforceability or scope of the Arbitration provision.

Claim includes but is not limited to: (1) initial claims, counterclaims, crossclaims and third-party claims; (2) claims based upon contract, tort, fraud, statute, regulation, common law and equity; (3) claims by or against any third party using or providing any product, service or benefit in connection with any account; and

(4) claims that arise from or relate to (a) any account created under any of the agreements, or any balances on any such account, (b) advertisements, promotions or statements related to any accounts, goods or services financed under any accounts or terms of financing, (c) benefits and services related to Card Membership (including fee-based or free benefit programs, enrollment services and rewards programs) and (d) your application for any account. You may not sell, assign or transfer a claim.

Qualifications & exceptions

• "Claim includes but is not limited to" means the listed types are examples, not a complete list.
• The validity, enforceability or scope of the Arbitration provision is excluded from the definition of Claim.

Legal Rights & Agreement Rules · Procedure

Claim notice before a lawsuit, mediation or arbitration

Before beginning a lawsuit, mediation or arbitration, you and the company each agree to send a written notice (a claim notice) to each party against whom a claim is asserted, to give an opportunity to resolve the claim informally or through mediation. A sample claim notice is at americanexpress.com/claim. The claim notice must describe the claim and state the specific relief demanded. Notice to you may be provided by your billing statement or sent to your billing address. Notice to the company must include your name, address and Account number and be sent to American Express ADR c/o CT Corporation System, 28 Liberty Street, New York, New York 10005. If the claim proceeds to arbitration, the amount of any relief demanded in a claim notice will not be disclosed to the arbitrator until after the arbitrator rules.

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Sending a Claim Notice: Before beginning a lawsuit, mediation or arbitration, you and we agree to send a written notice (a claim notice) to each party against whom a claim is asserted, in order to provide an opportunity to resolve the claim informally or through mediation.

The claim notice must describe the claim and state the specific relief demanded. Notice to you may be provided by your billing statement or sent to your billing address. Notice to us must include your name, address and Account number and be sent to American Express ADR c/o CT Corporation System, 28 Liberty Street, New York, New York 10005. If the claim proceeds to arbitration, the amount of any relief demanded in a claim notice will not be disclosed to the arbitrator until after the arbitrator rules.

Not stated here

• The agreement does not state a waiting period between the claim notice and starting a lawsuit or arbitration; it gives a 30-day window only for submitting a claim to mediation after a claim notice.

Legal Rights & Agreement Rules · Procedure

Mediation: optional, paid by the company, confidential

In mediation a neutral mediator helps the parties resolve a claim but does not decide it. A claim notice must be sent first. Within 30 days after sending or receiving a claim notice, you or the company may submit the claim to JAMS or the American Arbitration Association (AAA) for mediation, and the company pays the mediator's fees. Mediation-related communications are confidential, inadmissible in court and not subject to discovery. Statutes of limitation are tolled from the date the claim notice is sent until the mediation ends; either party may end the mediation at any time; and submitting or not submitting a claim to mediation does not affect either party's right to elect arbitration.

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Mediation: In mediation, a neutral mediator helps parties resolve a claim. The mediator does not decide the claim but helps parties reach agreement. Before beginning mediation, you or we must first send a claim notice. Within 30 days after sending or receiving a claim notice, you or we may submit the claim to JAMS (1-800-352-5267, jamsadr.com) or the American Arbitration Association ("AAA") (1-800-778- 7879, adr.org) for mediation. We will pay the fees of the mediator.

All mediation-related communications are confidential, inadmissible in court and not subject to discovery.

All applicable statutes of limitation will be tolled from the date you or we send the claim notice until termination of the mediation. Either you or we may terminate the mediation at any time. The submission or failure to submit a claim to mediation will not affect your or our right to elect arbitration.

Legal Rights & Agreement Rules · Restriction or exception

Arbitration: either side may elect it, with no court or jury and no class actions

You or the company may elect to resolve any claim by individual arbitration, decided by a neutral arbitrator. If any party chooses arbitration, neither side has the right to litigate that claim in court or have a jury trial on it, and neither side may participate in a representative capacity or as a member of any class for any claim subject to arbitration. Arbitration procedures are generally simpler than court rules and discovery is more limited. The arbitrator's authority is limited to claims between you and the company alone, claims may not be joined or consolidated unless both agree in writing, and an award applies only to the specific case. The arbitrator's decisions are as enforceable as any court order and subject to very limited review by a court; except as set out below, the decision is final and binding. Other rights you or the company would have in court may also not be available in arbitration. The company will not elect arbitration for any claim you file in small claims court so long as the claim is individual and pending only in that court; otherwise either side may elect arbitration at any time unless the claim has been filed in court and trial has begun or final judgment has been entered.

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Arbitration: You or we may elect to resolve any claim by individual arbitration. Claims are decided by a neutral arbitrator.

If arbitration is chosen by any party, neither you nor we will have the right to litigate that claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration.

The arbitrator's authority is limited to claims between you and us alone. Claims may not be joined or consolidated unless you and we agree in writing. An arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except to enforce the award. The arbitrator's decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator's decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration.

We will not elect arbitration for any claim you file in small claims court, so long as the claim is individual and pending only in that court. You or we may otherwise elect to arbitrate any claim at any time unless it has been filed in court and trial has begun or final judgment has been entered.

Qualifications & exceptions

• Military Lending Act covered borrowers are told in Part 2 that the Arbitration provision will not apply to them for this Account.
• You can reject the Arbitration provision by timely written notice (see the rejection card).

Legal Rights & Agreement Rules · Procedure

Starting arbitration: JAMS or AAA, selection and rules

Before beginning arbitration, you or the company must first send a claim notice. Claims are referred to either JAMS or AAA, as selected by the party electing arbitration, and are resolved under the Arbitration provision and the selected organization's rules in effect when the claim is filed, except where those rules conflict with the Agreement. If the company chooses the organization, you may select the other within 30 days after receiving notice of its selection. Claims may also be referred to another arbitration organization if you and the company agree in writing, or to an arbitrator appointed pursuant to section 5 of the Federal Arbitration Act, 9 U.S.C. sec. 1-16 (FAA). The arbitrator applies applicable substantive law, statutes of limitations and privileges.

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Initiating Arbitration: Before beginning arbitration, you or we must first send a claim notice. Claims will be referred to either JAMS or AAA, as selected by the party electing arbitration. Claims will be resolved pursuant to this Arbitration provision and the selected organization's rules in effect when the claim is filed, except where those rules conflict with this Agreement. If we choose the organization, you may select the other within 30 days after receiving notice of our selection. Contact JAMS or AAA to begin an arbitration or for other information. Claims also may be referred to another arbitration organization if you and we agree in writing or to an arbitrator appointed pursuant to section 5 of the Federal Arbitration Act, 9 U.S.C. sec. 1-16 (FAA).

The arbitrator will apply applicable substantive law, statutes of limitations and privileges.

Qualifications & exceptions

• The Federal Arbitration Act citation is quoted as written and is not supplied here.

Legal Rights & Agreement Rules · Restriction or exception

Small claims carve-out, timing of election and no waiver

The company will not elect arbitration for any claim you file in small claims court, so long as the claim is individual and pending only in that court. Otherwise, you or the company may elect to arbitrate any claim at any time unless it has been filed in court and trial has begun or final judgment has been entered. Either side may delay enforcing or not exercise rights under the Arbitration provision, including the right to arbitrate a claim, without waiving the right to exercise or enforce those rights.

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We will not elect arbitration for any claim you file in small claims court, so long as the claim is individual and pending only in that court. You or we may otherwise elect to arbitrate any claim at any time unless it has been filed in court and trial has begun or final judgment has been entered.

Either you or we may delay enforcing or not exercise rights under this Arbitration provision, including the right to arbitrate a claim, without waiving the right to exercise or enforce those rights.

Qualifications & exceptions

• The small claims carve-out is limited to individual claims pending only in small claims court.

Legal Rights & Agreement Rules · Restriction or exception

Limitations on arbitration: individual basis only, with a whole-provision fallback

If either party elects arbitration, the claim will be arbitrated on an individual basis. There is no right or authority for any claims to be arbitrated on a class action basis or on bases involving claims brought in a purported representative capacity on behalf of the general public, other Card Members or other persons similarly situated. Notwithstanding any other provision and without waiving the right to appeal such decision, if any portion of these Limitations on Arbitration is deemed invalid or unenforceable, then the entire Arbitration provision (other than this sentence) will not apply.

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Limitations on Arbitration: If either party elects to resolve a claim by arbitration, that claim will be arbitrated on an individual basis. There will be no right or authority for any claims to be arbitrated on a class action basis or on bases involving claims brought in a purported representative capacity on behalf of the general public, other Card Members or other persons similarly situated.

Notwithstanding any other provision and without waiving the right to appeal such decision, if any portion of these Limitations on Arbitration is deemed invalid or unenforceable, then the entire Arbitration provision (other than this sentence) will not apply.

you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration.

Qualifications & exceptions

• If the individual-basis limitation is held invalid, the result stated is that the whole Arbitration provision stops applying (other than that sentence), not that the class limit is dropped alone.
• The agreement does not say what court procedure then applies; it states only that the Arbitration provision would not apply.

Legal Rights & Agreement Rules · Procedure

Arbitration procedures: FAA, confidentiality, hearing format, appeal

The Arbitration provision is governed by the Federal Arbitration Act (FAA). The arbitrator applies applicable substantive law, statutes of limitations and privileges, but not federal or state rules of civil procedure or evidence in matters relating to evidence or discovery, and, subject to the Limitations on Arbitration, may otherwise award any relief available in court. The arbitration is confidential: the company will not disclose the content of the proceeding or its outcome to anyone, but either side may notify any government authority of the claim as permitted or required by law. If your claim is for $10,000 or less, you may choose whether the arbitration is conducted solely on documents, by telephone hearing, or in person. At any party's request the arbitrator provides a brief written explanation of the award. The award is final and binding, subject to each party's right to appeal as stated and/or to challenge or appeal an award under the FAA. To initiate an appeal, a party must notify the arbitration organization and all parties in writing within 35 days after the award is issued, and the organization appoints a three-arbitrator panel to decide anew, by majority vote based on written submissions, any aspect of the decision objected to, under its appellate rules. Judgment upon any award may be entered in any court having jurisdiction. At your election, hearings take place in the federal judicial district of your residence.

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Arbitration Procedures: This Arbitration provision is governed by the FAA. The arbitrator will apply applicable substantive law, statutes of limitations and privileges. The arbitrator will not apply any federal or state rules of civil procedure or evidence in matters relating to evidence or discovery. Subject to the Limitations on Arbitration, the arbitrator may otherwise award any relief available in court. You and we agree that the arbitration will be confidential. You and we agree that we will not disclose the content of the arbitration proceeding or its outcome to anyone, but you or we may notify any government authority of the claim as permitted or required by law.

If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, through a telephonic hearing, or by an in-person hearing. At any party's request, the arbitrator will provide a brief written explanation of the award. The arbitrator's award will be final and binding, subject to each party's right to appeal as stated in this section and/or to challenge or appeal an arbitration award pursuant to the FAA.

To initiate an appeal, a party must notify the arbitration organization and all parties in writing within 35 days after the arbitrator's award is issued. The arbitration organization will appoint a three-arbitrator panel to decide anew, by majority vote based on written submissions, any aspect of the decision objected to. The appeal will otherwise proceed pursuant to the arbitration organization's appellate rules. Judgment upon any award may be entered in any court having jurisdiction. At your election, arbitration hearings will take place in the federal judicial district of your residence.

Claims will be resolved pursuant to this Arbitration provision and the selected organization's rules in effect when the claim is filed, except where those rules conflict with this Agreement.

Qualifications & exceptions

• The confidentiality sentence says the company will not disclose the content or outcome; it also says either side may notify a government authority of the claim as permitted or required by law.
• The choice of hearing format is available to claims of $10,000 or less.

Not stated here

• The agreement does not state who may use the appeal beyond "each party", or what the appeal fee is.

Legal Rights & Agreement Rules · User right or choice

Arbitration fees, advances and the minimum award

You are responsible for paying your share of any arbitration fees (including filing, administrative, hearing or other fees), but only up to the amount of the filing fees you would have incurred if you had brought a claim in court, and the company is responsible for any additional arbitration fees. At your written request the company will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. If the arbitrator rules in your favor for an amount greater than any final offer the company made before the final hearing, the award will include any money to which you are entitled, but in no case less than $5,000, and any reasonable attorneys' fees, costs and expert and other witness fees.

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Arbitration Fees and Costs: You will be responsible for paying your share of any arbitration fees (including filing, administrative, hearing or other fees), but only up to the amount of the filing fees you would have incurred if you had brought a claim in court. We will be responsible for any additional arbitration fees. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause.

Additional Arbitration Awards: If the arbitrator rules in your favor for an amount greater than any final offer we made before the final hearing in arbitration, the arbitrator's award will include:

(1) any money to which you are entitled, but in no case less than $5,000; and (2) any reasonable attorneys' fees, costs and expert and other witness fees.

Qualifications & exceptions

• The $5,000 minimum and fee-shifting apply only if the arbitrator's award to you is greater than the company's final pre-hearing offer.
• A temporary advance is something the company will "consider in good faith", not a promise to provide it.

Legal Rights & Agreement Rules · User right or choice

Your right to reject arbitration, and survival of the Claims Resolution section

You may reject the Arbitration provision by sending a written rejection notice to American Express, P.O. Box 981556, El Paso, TX 79998 (a sample is at americanexpress.com/reject). The notice must be mailed within 45 days after your first Card purchase, must state that you reject the Arbitration provision, and must include your name, address, Account number and personal signature; no one else may sign it. If the notice complies, this Arbitration provision and any other arbitration provisions in the Card Member agreements for your other currently open American Express accounts will not apply to you, except for Corporate Card accounts and any claims subject to pending litigation or arbitration when you send the notice. Rejecting arbitration does not affect your other rights or responsibilities under the Claims Resolution section or the Agreement, or your ability to use your Card or any other benefit, product or service with your Account. The section survives termination of your Account, voluntary payment of the balance, any legal proceeding to collect a debt, any bankruptcy and any sale of your Account (in a sale, its terms apply to the buyer). If any other portion of the Claims Resolution section (except as provided in the Limitations on Arbitration subsection) is deemed invalid or unenforceable, it will not invalidate the remaining portions.

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Your Right to Reject Arbitration: You may reject this Arbitration provision by sending a written rejection notice to us at: American Express, P.O. Box 981556, El Paso, TX 79998. Go to americanexpress.com/reject for a sample rejection notice. Your rejection notice must be mailed within 45 days after your first Card purchase. Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account number and personal signature. No one else may sign the rejection notice.

If your rejection notice complies with these requirements, this Arbitration provision and any other arbitration provisions in the Card Member agreements for any other currently open American Express accounts you have will not apply to you, except for Corporate Card accounts and any claims subject to pending litigation or arbitration at the time you send your rejection notice. Rejection of this Arbitration provision will not affect your other rights or responsibilities under this Claims Resolution section or the Agreement. Rejecting this Arbitration provision will not affect your ability to use your Card or any other benefit, product or service you may have with your Account.

Continuation: This section will survive termination of your Account, voluntary payment of your Account balance, any legal proceeding to collect a debt, any bankruptcy and any sale of your Account (in the case of a sale, its terms will apply to the buyer of your Account). If any portion of this Claims Resolution section, except as otherwise provided in the Limitations on Arbitration subsection, is deemed invalid or unenforceable, it will not invalidate the remaining portions of this Claims Resolution section.

We may sell, transfer or assign this Agreement and your Account.

Qualifications & exceptions

• The rejection works only if the notice meets every stated requirement (timing, statement of rejection, name, address, Account number, personal signature).

Legal Rights & Agreement Rules · Company practice

Part 3: how the company sends notices

Part 3 of 3 of the Card Member Agreement contains other important information. The company sends notices by U.S. mail, courier, or electronically using the information in its records, and considers a notice given when it mails it or delivers it electronically.

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Card Member Agreement: Part 3 of 3

Sending you notices: We send notices by U.S. mail, courier, or electronically using the information in our records. We consider a notice given when we mail it or deliver it electronically.

Qualifications & exceptions

• A notice counts as given when sent or delivered by the company, not when you receive or read it.

Legal Rights & Agreement Rules · Restriction or exception

Disputed charges: credit and assignment of your claims against the merchant

If you dispute a charge with a merchant, the company may credit the Account for all or part of the disputed charge. If it does, you assign and transfer to the company all rights and claims (excluding tort claims) against the merchant, you agree not to pursue any claim against the merchant for the credited amount, and you must cooperate with the company if it decides to pursue the merchant.

Details not recorded for this card

Supporting quotations

Disputed charges: If you dispute a charge with a merchant, we may credit the Account for all or part of the disputed charge. If we do so, you assign and transfer to us all rights and claims (excluding tort claims) against the merchant. You agree that you will not pursue any claim against the merchant for the credited amount. And you must cooperate with us if we decide to do so.

Not stated here

• This section does not describe the company's process for deciding disputes, time limits, or any other billing-error dispute rights.

Legal Rights & Agreement Rules · Restriction or exception

Default: what can count as default and what the company may do

The company may consider your Account in default if you violate a provision of the Agreement, give false information, file for bankruptcy, default under another agreement with the company or an affiliate, or if it believes you are unable or unwilling to pay your debts when due. If it considers the Account in default, or if you become incapacitated or die, it may, to the extent permitted by federal and applicable state law, suspend your ability to make charges, cancel or suspend any feature on your Account, require you to pay more than your Minimum Payment Due immediately, and require you to pay your Account balance immediately. You also agree to pay all reasonable costs, including attorneys' fees, that the company incurs to collect amounts you owe.

Supporting quotations

Default: We may consider your Account to be in default if:

you violate a provision of this Agreement,

you give us false information,

you file for bankruptcy,

you default under another agreement you have with us or an affiliate, or

we believe you are unable or unwilling to pay your debts when due.

If we consider your Account in default, or if you become incapacitated or die, we may, to the extent permitted by federal and applicable state law:

suspend your ability to make charges,

cancel or suspend any feature on your Account,

require you to pay more than your Minimum Payment Due immediately, and

require you to pay your Account balance immediately.

Collection costs: You agree to pay all reasonable costs, including attorneys' fees, that we incur to collect amounts you owe.

Qualifications & exceptions

• The default list is introduced by "may consider": it is the company's judgment, and the last item turns on the company's belief.
• The remedies are limited to the extent permitted by federal and applicable state law.

Not stated here

• The agreement does not say whether notice or a chance to fix the problem comes before the company acts.
• The first default item is flagged by the workbench as carrying a link to another document; that linked document's text is not supplied here, so this card cannot say what it contains.

Legal Rights & Agreement Rules · User right or choice

Military Lending Act: 36% cap and arbitration exception for covered borrowers

The agreement states that federal law protects members of the Armed Forces and their dependents, and that in general the cost of consumer credit to them may not exceed an annual percentage rate of 36 percent, a rate that must include listed costs such as credit insurance premiums, fees for ancillary products, certain application fees and participation fees. The company provides a number (855-531-0379) to listen to the statement and a description of the payment obligation. If you are a covered borrower under the Military Lending Act, the Arbitration provision of the Claims Resolution section will not apply to you in connection with this Account; if you elect arbitration, the company will comply with its obligations under the Claims Resolution section.

Supporting quotations

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent.

This rate must include, as applicable to the credit transaction or Account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or Accounts); and any participation fee (other than certain participation fees for a credit Card Account).

To listen to this statement, as well as a description of your payment obligation for this Account, call us at 855-531-0379. If you are a covered borrower under the Military Lending Act, the Arbitration provision of the Claims Resolution section of this Agreement will not apply to you in connection with this Account. However, if you elect arbitration, we will comply with our obligations under the Claims Resolution section of this Agreement.

Qualifications & exceptions

• The 36 percent figure is described as applying "in general" and to the cost of consumer credit as defined by the included items.