CITIZENS PAY TERMS AND CONDITIONS AND LINE OF CREDIT AGREEMENTS

FOR ALL ACCOUNTS OPENED ON OR BEFORE 01/17/2022

You are applying for a line of credit for which you may be approved or declined. If you are declined, these documents will not apply to you. Please review everything below carefully for a full explanation of the line of credit terms and conditions.

You may authorize payments to be charged via ACH, debit, or credit (as applicable) payment card, which may be declined at the discretion of your card issuer or financial institution. Your payment card issuer may impose finance charges and/or fees on payments charged to your card as provided for in your cardmember, account and/or debit card agreement, and certain card and loyalty benefits or protections may not be available.  You may also choose to mail in your payment.

Continue reading below for a full explanation of the line of credit terms and conditions.

LINE OF CREDIT ACCOUNT SUMMARY TABLE

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Line of Credit Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Line of Credit Agreement.

Current Rates on the Account: The Monthly Periodic Rate will differ based on product purchase and promotional pricing.   APR for Purchases will be 29.99%.  Promotional pricing may differ per time and/or product.

The information about the costs and fees for this Line of Credit described in this application is accurate as of the program’s launch date.  This information may have changed after that date. To find out what may have changed, call us toll-free at 1-888-522-9881 or write to us at Citizens Bank PO Box 2360, Omaha, NE 68103.

Consumer Disclosures

Military Lending Act Disclosure: 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%. 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 charged (other than certain participation fees for a credit or debit payment account). To hear more information about special protections that may apply to your account under the Military Lending Act, please call the following toll-free number: 1-866-999-6336.

Notice to New York and Vermont Residents: Consumer reports may be requested in connection with the processing of your application and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting agencies that have provided us with such reports.

New York residents may contact the New York State Department of Financial Services by telephone at 1-877-226-5697 or visit its website at http://www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Married Wisconsin Residents: No agreement, court order, or individual statement applying to marital property will adversely affect our rights with respect to your credit card account, unless you provide us now with a copy of, or complete information about, the agreement, order, or statement or unless we have actual notice of it.

CITIZENS PAY LINE OF CREDIT TERMS AND CONDITIONS SUMMARY

Please read the important information below about your request for this line of credit and the financial and legal terms which you must accept in order to continue with your line of credit from Citizens Bank, N.A. (“Citizens,” “Citizens Pay,” or “us”):

• Your request for a line of credit from Citizens to finance your purchase of products, including: (1) authorization for us to obtain and use your credit report in connection with the line of credit application; (2) consent for us and Retailer to share information with each other, and as applicable an alternative line provider about your application and line of credit; and (3) permission for us to send you text messages about your line of credit.
• Your disclosures from Citizens regarding the financial terms of your line of credit, including your Citizens Pay line of credit Account Summary Table.
• Your line of credit agreement, which is the legal agreement describing all of our respective rights and obligations relating to this line of credit, including: (1) information about how and when you must make payments; (2) what will happen if you fail to make payments; (3) what happens to your line of credit if you return or exchange any products; and (4) other important information about your legal rights and obligations in connection with your line of credit.
• Recurring Payment Authorization (if elected): Election of your payment type and authorization for recurring minimum monthly payments.
• Citizens’ privacy notice, which explains how Citizens may share your non-public personal information with affiliated and non-affiliated entities, and how you can opt out of some of that information sharing.

INITIAL APPLICATION, CREDIT AUTHORIZATION, AND DATA-SHARING CONSENT

I would like to apply for the Citizens Pay Line of Credit. I authorize Citizens to obtain my credit report to make credit decision and for other purposes.  I understand that Citizens will assign a maximum credit limit subject to creditworthiness, affordability, and bank credit policy, even if the total package value of my initial purchase currently contains a lesser amount.  I also understand that, if I request the name and address of the consumer reporting agency that furnished the report, Citizens will provide this information to me. I authorize Citizens and Retailer to share with each other information about me and my line of credit, including but not limited to, my application and line of credit status. I agree that I will be personally responsible for all payments I owe under the line of credit, and that minimum monthly payments will be charged using the payment method and account number I provide. I acknowledge that I may authorize payments to be charged to my payment card, via check or ACH, which may be declined at the discretion of my card issuer or financial institution. My payment card issuer or financial institution may impose finance charges and/or fees on payments charged to my card as provided for in my cardmember, account and/or debit card agreement, and certain card and loyalty benefits or protections may not be available. I authorize Citizens to contact me regarding my line of credit or my line of credit request, including repayment of my line of credit, using an automatic dialing service, prerecorded messages and/or SMS text messages, even if I will be charged by my service provider for receiving such communications. I further authorize Citizens to make such contact at the current and any future numbers that I provide for my cellular telephone. I authorize Citizens to place a temporary hold (preauthorization) on any payment card I provide in connection with this application, even though this may temporarily decrease the amount of credit available on my card or cause fees/liability with my financial institution.

LINE OF CREDIT AGREEMENT

In this Citizens Pay Line of Credit Agreement (the “Agreement”) “you”, “your” and “yours” mean the borrower(s). “We,” “us,” “Citizens” and “Bank” means Citizens Bank, N.A. “Merchant” means the retailer from whom you purchased the product(s) with your Citizens Pay Line of Credit and with whom you opened your Citizens Pay Line of Credit Account.  “Account” means your Citizens Pay Line of Credit Account. “Line Number” means any number or device we provide to you to access your Account, and may include, but is not limited to, your Account number stored on pay.citizensbank.com (your “Line Number”), electronic tokens, or any other access device we authorize. You may only receive a Line Number when you open your Account. Citizens is the issuer of your Line of Credit and any associated line number assigned to your Account. All extensions of credit in connection with the Account are made by Citizens. This Agreement establishes the terms of the Account and should be retained for your records. By using your Account to make a Purchase or other transaction or otherwise authorizing a Purchase, keeping or otherwise accepting the Line Number or Account, you agree to the terms and conditions of this Agreement. This Agreement means this document and the Account Summary Table, and any changes we make to these documents, from time to time.

1. Your Promise to Pay and How to Use Your Account: You are liable for use of the Line Number or Account by you and any person with actual, implied, or apparent authority to act for you, including any person you have designated to us as an authorized user (“Authorized User”). Any such use will constitute acceptance of all the terms and conditions of this Agreement, even though this Agreement is not signed. You authorize us to pay and charge your Account for any and all purchases resulting from use of the Line Number or the Account (each a “Purchase”). You promise to pay us (in U.S. Dollars drawn on U.S. financial institutions) as required by this Agreement for all of these Purchases, plus interest charges and all other fees and charges owed under this Agreement (including, without limitation, all Purchases made or used by an Authorized User).
   Use of the Line Number or Account may include physical use, mail or telephone order, computer or other electronic transactions made without presenting the Line Number, or any other circumstance where you authorize a charge or authorize someone else to charge the Account. You may only use your Line Number to make purchases from Merchant, your Account can only be used for purchases from that retailer. You agree to use the Line Number and the Account only for lawful personal, family or household purposes. You agree that you and each Authorized User will not use the Line Number or the Account for any commercial or unlawful purposes (e.g., gambling).  We reserve the right to block all such transactions. In the event that an improper charge is processed, you will be liable for the charge to the fullest extent permitted by applicable law.  Joint account holders are joint and severally liable. 
2. About the Financing Offers that Might be Available to You:
   1. Generally: Notwithstanding any other provisions of this Agreement, we may occasionally, at our option, make certain financing offers available for certain types of Purchases (“Promotional Offers”). Details of the Promotional Offer will be described in the specific offer. Features of Promotional Offers may include, among other things, interest-free periods; deferral and forgiveness of interest if a purchase is paid in full within the promotional period (and any other conditions are satisfied); reduced interest rates and/or special payment terms, including payments higher than otherwise required. The benefits of Promotional Offers may be contingent upon payment of your Account in accordance with this Agreement and/or the Promotional Offers. Information about Promotional Offers will be shown separately on your monthly billing statement (“Statement”) or at the purchase stage, as long as the Promotional Offer is in effect. If you use your Account with a Promotional Offer, you acknowledge and agree that the specific terms of the Promotional Offer will modify and become part of this Agreement, and all other terms and conditions of this Agreement will apply to the Promotional Offer. The standard provisions of this Agreement apply to all transactions not subject to a Promotional Offer. Subject to applicable law, we may condition any Promotional Offer on your compliance with the specified requirements and may not permit you to participate in Promotional Offers, if any, if you are late on any payment(s).
   2. Promotional Offers that May be Available to You: If a Promotional Offer is available at the time of your purchase, you will receive information at that time regarding the terms of the offer. There may be certain purchase requirements, such as certain types of goods and/or services or minimum dollar amounts that must be met, for a purchase to be eligible to be financed on a given Promotional Offer. There also may be other restrictions. The specific terms of the type of Promotional Offers that we may make available to you for certain transactions from time to time are as set forth below in this Section 2b; provided, however, that such terms may be modified or supplemented by the terms set forth on or with the sales receipt or that are provided electronically or otherwise at the time of the purchase.
   3. Examples of Promotional Offers that May be Available:
      
      0% APR with an Equal Number of Payments Term: For this type of Promotional Offer, the APR for Purchases will be 0% from the date of the purchase until the promotional balance has been paid in full.  The minimum payment on the promotional balance are designed to pay the promotional balance in full at the end of the promotional term if on-time payments are made and will equal the amount of the qualifying purchase by the applicable repayment factor. This amount is then rounded to the nearest penny. The repayment factor is based upon the 0% APR and the number of months in the promotional period.
      
      Standard APR: For this type of Promotional Offer, the APR for Purchases will be based on creditworthiness, and remain constant from the date of the purchase until the balance has been paid in full.
      
      Same as Cash: For this type of Promotional Offer, the APR for Purchases will be 0% from the date of the purchase until the promotional period ends (i.e. 12 billing cycles), and interest charges will begin to accrue at a stated APR (based on creditworthiness) on the remaining balance, the day after the promotional period ends.
3. How We Calculate the Interest Charges on Your Account:
   1. Interest and Any Minimum Interest Charges: Each billing cycle, we separately determine the interest charges on standard Purchases as applicable and each separate kind of promotional Purchase (each, a “Type of Balance”). For each Type of Balance, we determine interest charges each billing cycle by multiplying the Balance Subject to Interest Rate by the applicable Monthly Periodic Rate (see Section 4 for Interest Rate information) and by then multiplying the result by the number of days in the billing cycle. For each Type of Balance, the Balance Subject to Interest Rate is the average daily balance (including new transactions), as calculated pursuant to Section 3.b. below. To get the total interest charges each billing cycle, we add together the interest charges for all Types of Balances.
   2. How We Will Calculate Interest on Your Account: We use a method called “Average Daily Balance (including new transactions)” to compute the interest charge. For each Type of Balance, the Balance Subject to Interest Rate is the total of the closing daily balances for such Type of Balance for all the days in the billing cycle (treating any negative balance as $0.00), divided by the number of days in such cycle. The closing daily balance for each Type of Balance equals the balance at the beginning of the day, plus any new transactions of the same Type of Balance and less any payments and credits applied to such balances. At the beginning of each billing cycle, the closing daily balance for each Type of Balance will also include any applicable interest charges and fees carried over from the immediately preceding billing cycle; and in the case of a deferred interest Promotional Offer it will include any interest charges that may have been assessed on the unpaid promotional balance at the end of the Promotional Offer term.
   3. How Interest Accrues and How to Avoid Paying Interest on Purchases: On each Purchase, interest begins to accrue on the transaction date. Generally, you can avoid paying interest on your purchase if you pay your entire statement closing date balance (identified on your Statement as the “New Balance”) for that purchase in full by the Payment Due Date reflected on that Statement.
   4. If you have a promotional balance(s) on your Account, you may be able to avoid paying interest on a promotional purchase provided you pay the entire amount of that purchase by the Payment Due Date located in your first billing statement for that purchase. For each Type of Balance that is a separate kind of promotional Purchase, please see Section 2 of this Agreement for more information about how to avoid paying interest on these transactions.
   5. Treatment of Late Fees: We do not charge interest on Late Fees.
4. The Interest Rates on your Account: The “Annual Percentage Rate” or “APR” is the annual rate of interest charged on Account balances. In connection with a Promotional Offer, we may charge a reduced promotional rate of interest. The Monthly Periodic Rate will equal the APR divided by 12.
5. A Minimum Payment is Due Each Month: Each billing cycle you agree to pay at least the minimum payment due by the payment due date shown on your monthly Statement (the “Minimum Payment Due”). Each Minimum Payment Due will be due the same day of each month (“Payment Due Date”) as reflected on the Statement (which will be at least 21 days after your statement closing date each month).
   
   The Minimum Payment Due will be calculated as follows:
   
   1. Equal installment payments over the term of the financed amount provided that payments are received by their payment due date; payments made after the payment due date may incur additional interest charges; plus
   2. each payment amount due in connection with a Promotional Offer balance, such as a special payment calculation, as described in Section 2 of this Agreement; plus
   3. any applicable fees and charges (except interest charges) assessed in the particular billing cycle; plus any past due amount.
   4. Credits, adjustments, refunds and similar Account transactions may not be used in place of payment of any portion of a required minimum payment. If you pay ahead by paying more than the Minimum Payment Due in one billing cycle, you will not be excused from paying the Minimum Payment Due in subsequent billing cycles.

   
   Minimum payments with 0% Promotional APR or Same as Cash offers: For this type of Promotional Offer, the APR for Purchases will be 0% from the date of the purchase until the promotional period ends (i.e., 12 billing cycles). Minimum payments on the promotional balance will equal the total balance minus any payments made during the promotional period divided by the number of billing cycles remaining in the promotional period. When this promotional period ends, you will start paying the stated interest on the remaining balance. The minimum payment will be re-calculated as stated in order above.

6. If You Pay Late You May Be Assessed a Late Fee: If the Minimum Payment Due is not received by the Payment Due Date on the Statement, we may charge you a late fee of $8 for each late payment up to six total times each calendar year. You understand and agree that any late fee assessed on your Account will be included in the Minimum Payment Due calculated for the billing Statement on which the fee appears.
7. Administrative Fees: If you request a paper copy of a Statement or sales draft or payment check, you may pay a fee so long as it is not prohibited by applicable law. The amount of the fee will be disclosed at the time you request this optional service. However, you will not be charged for copies of billing Statements, sales drafts, or other documents that you request for a billing error/inquiry you may assert under applicable law.
8. Your Credit Limit:
   1. Generally: Your initial credit limit is provided at account opening. Your current credit limit will also be shown on your Statement.
   2. Changes to Your Credit Limit: In our discretion, at any time, subject to applicable law, we may increase or decrease the credit limit that applies to your Account without providing prior notice to you. We will provide notification of any such change and your credit limit will be listed on the Statement. You may ask us to change your credit limit by contacting Customer Service at the number we provide to you when your Account is opened. We do not have to agree to any such request.
   3. Going Over Your Credit Limit: You agree to not go over your credit limit. The Bank may permit you to go over your limit, in our own discretion. If your Account goes over your credit limit, you agree to pay the over limit amount when it is billed to you, or sooner upon request. If we permit you to exceed your credit limit, we will not have waived any of our rights under this Agreement, and reserve the right to deny future, similar requests.
9. Your Monthly Billing Statements: We will send a notification email to the email address we have in our records when your Statement is ready and you may access your statements online at pay.citizensbank.com or such other website we make available to you. If you have elected to receive paper statements, your statement will be sent to the physical, on-file address.
10. How Your Payments Are Applied to Your Account Balance: Subject to the following and applicable law, payments will generally be applied first to the oldest Purchases.
    1. How the Minimum Payment is Applied to Your Account: We decide how to apply the Minimum Payment to the balances on your Account. We may apply your Minimum Payment Due in the following order: (i) to interest charges and other fees; and then (ii) in the case of multiple APRs, the payments will be prorated to satisfy the payment requirements in accordance with the repayment terms for each outstanding balance on the account (see Section 5 of this Agreement).
    2. Application of Payments in Excess of Minimum Payment: We will generally apply payments and credits in excess of the Minimum Payment Due in the following order: (i) to purchase transactions with the highest Monthly Periodic Rates and corresponding APRs; (ii) to each successive purchase transaction with the next highest Monthly Period Rates and corresponding APRs; and (iii) to interest charges and other fees. This means you may be required to pay off a balance that is subject to the standard APR before your excess minimum payment would be applied to any APR Promotional Offer balance. 
11. How You Can Make Payments on Your Account: YOU MAY AT ANY TIME PAY OFF THE FULL UNPAID BALANCE OR PART OF THE UNPAID BALANCE UNDER THIS AGREEMENT. For purposes of this Section 11, the term “business day of the Bank” or “business day” means Monday through Friday (excluding bank holidays).
    1. Payments by Mail: Payments must be sent to the address designated on the Statement. Payments received at such address with the return portion of the Statement by 5:00 PM Eastern Time on a business day will be credited on the day of receipt. However, if the payment due date falls on a day when we do not accept payments, we will not treat any payment as late if we receive it by 5:00 PM Eastern Time on the following business day. Payments received after 5:00 PM Eastern Time Monday through Saturday (excluding bank holidays) will be credited on the next business day. There may be a five (5) day delay of crediting if payments are not received in U.S. dollars, not made in the envelope provided with the Statement and accompanied by the payment stub which is part of the Statement, and/or not received at the address for payments designated on the Statement. You will need to allow up to seven (7) days for the U.S. Postal Service to deliver your payment. Payments must be made by check or money order payable in U.S. funds and drawn on a financial institution located within the United States. We do not accept payments on this Account at our branches.
       Your available credit may not be immediately increased by the amount of your payment for up to seven (7) days to ensure we collect the funds from the bank on which your payment is drawn. If you overpay or if there is a credit balance on your Account, you will not be paid interest on that amount.
    2. Same Day Telephone Payments: You may also call us and arrange for an expedited payment through a customer service representative. By doing so, you authorize us or our agent to automatically initiate a single entry ACH debit to your checking account and will authorize your financial institution to accept these debits and charge them to your checking account. Payments arranged by 5:00 PM Eastern Time on business days will be credited on a same-day basis and payments arranged after 5:00 PM Eastern Time on a business day or on a non-business day will be credited on the next business day.
    3. Pay Online: You may make a single payment or set up recurring payments to your Account by enrolling in the Online Account Management service at: pay.citizensbank.com. To enroll, enter your Account number, social security number, and zip code. Payments requested by 5:00 PM Eastern Time will be credited to your Account on the same day. Payments requested after 5:00 PM Eastern Time will be credited on the next day to your Account. A payment requested by 5:00 PM Eastern Time on a weekend or federal holiday will be credited as of the day you make the payment.

    4. Electronic Fund Transfer: If you utilize a check to make payment on this Account, you authorize us to use the information from the check to make a one-time electronic fund transfer from your checking or deposit account or to process the payment as a check transaction. When we use the information from your check to make an electronic fund transfer, the funds may be withdrawn from your checking or deposit account as soon as the same day you make the payment and you understand you may not receive the check back from your financial institution.

12. If Your Payment is Returned Unpaid: If a payment you make is not honored by your financial institution and it has already been credited by us to your Account, we will reverse the credit and add the amount of the payment back to the Account as of the day the payment was first credited to the Account.
13. Irregular Payment and Delay in Enforcement: We may accept late payments, partial payments, check and money orders marked “Paid in Full” or language having the same effect without losing any of our rights under this Agreement. We can also delay enforcing our rights under this Agreement any number of times without losing them. If we at any time honor a purchase in excess of your maximum credit limit, we are not obligated to do so at any other time.
14. If You Have a Credit Balance: We will return to you any credit balance on your Account over $1 within six (6) months (or, in our discretion, for a shorter time period). You may also request a refund of a credit balance on your Account at any time, by calling us at 1-888-522-9881 or sending your request to Citizens Bank PO Box 2360, Omaha, NE 68103, by first class mail, postage prepaid. We may reduce the amount of any credit balance on your Account by applying the credit balance towards new fees and charges posted to your Account.
15. Purchases Made by Your Authorized Users: We may allow you to have Authorized Users who may use your Account. When you allow an Authorized User to use your account, you will be liable for all transactions made by the person, including transactions for which you may not have intended to be liable, and even if the amount of liability causes you to exceed your credit limit. You must notify us at the telephone number provided to you when you opened your Account to revoke your permission to allow an Authorized User to use your Line Number or Account. Until you revoke your permission, you remain responsible for all charges made by the Authorized User, even if you did not intend to be liable.
16. Entire Agreement: You agree that this Agreement (as amended and supplemented from time to time), including the Account Summary Table, and the application constitute the final expression of the agreement between you and us and that this Agreement may not be contradicted by evidence of any prior, contemporaneous or subsequent oral agreement between you and us regarding your Account. The retail merchant and its employees have no authority to change, add to or explain the terms of this Agreement except to provide you with Promotional Offers.
17. If You Default on This Agreement: You agree that you will be in default, and we will not be obligated to honor any attempted use of your Account (even if we do not give you advance notice) if any of the following events occurs:
    1. We do not receive a required minimum payment by 5 PM, Eastern Time, on the Payment Due Date, accompanied by your Statement’s payment stub (if mailed), or we do not receive any other payment required by this Agreement when such payment is due.
    2. You exceed the credit limit.
    3. You die or are declared legally incompetent or incapable of managing your affairs, become insolvent, file for bankruptcy, or otherwise become the subject of a bankruptcy petition or filing.
    4. You give us false or misleading information at any time in connection with your Account.
    5. You send us a check or similar instrument that is returned to you unpaid, or any automatic, electronic or other payment on your Account cannot be processed or is returned unpaid, for any reason, within the last six (6) billing cycles.
    6. You breach or otherwise fail to comply with any term or condition of this Agreement.
    7. We have reason to suspect that you or any Authorized User may have engaged or participated in any unusual, suspicious, fraudulent, or illegal activity on your Account or during the application process.
    8. You do not give us any updated information about your name, address, phone number, finances, employment, or any other information we may reasonably request, promptly after the request. Upon default: (a) we will not be obligated to honor any attempted use of your Account (even if we do not give you advance notice); (b) we may require you to pay at once all or any portion of the balance outstanding under the Account; and (c) we may exercise any right provided by this Agreement or applicable law.
    9. There is a significant change in your ability to repay amounts owed under pursuant to this Agreement.
18. Your Liability for Unauthorized Use: If your Line Number is lost or stolen or if you believe someone may have used your Account without your permission, you must notify us at once. You may be liable for the unauthorized use of your Account. You will not be liable for unauthorized use that occurs after you notify us by writing to Citizens Bank PO 2360, Omaha, NE 68103, or verbally by calling Customer Service at 1-888-522-9881 the loss or theft of the Line Number or the possible unauthorized use of the Account. Your maximum liability is $50. Subject to any restrictions of applicable law, we may terminate or limit access to your Account if you have notified us or we have determined that your Line Number may have been lost or stolen, or that there may be unauthorized access to your Account. 
19. Closing Your Account:
    1. We May Close your Account at Any Time: We may without prior notice suspend or close your Account at any time, for any reason, including but not limited, to a change to your creditworthiness or Account inactivity. If we suspend or close your Account, you agree to pay us all amounts you owe under this Agreement (including any future interest charges or fees), under the terms and conditions of this Agreement, and you agree that we are not liable to you for any consequences resulting from closing your Account. If you are in default, we may close your Account and require you to pay us the entire amount owed under this Agreement in full, immediately. We may also increase the dollar amount of your minimum payment, subject to applicable law.
    2. You May Ask Us to Close Your Account: You may ask us to close your Account to new transactions at any time, by notifying Customer Service at Citizens Bank PO Box 2360, Omaha, NE 68103, by first class mail with your written notice or contacting us by calling Customer Service at 1-888-522-9881. If you request to close your Account by phone, we reserve the right to require a written notice from you. You also agree to stop using the Account immediately after you notify us that you want to close your Account to new transactions. 
20. The Address on Your Account and Our Notices to You: If required by applicable law, we will send a Statements and Account notices to the physical address on our records. If you have agreed to receive electronic Statements and Account notices, we will send a notification email to the email address we have in our records when such documents are ready and you may access them online at pay.citizensbank.com or such other website of which we will notify you. You will promptly inform us of any change in your email address or your mailing address. You may change your address by calling us at 1-888-522-9881. We may in our discretion accept changes to your mailing address from the U.S. Postal Service. If this is a joint Account, we may send billing statements and notices to either of you. 
21. Our Rights Continue: Any failure or delay in exercising any of our rights under the Agreement will not preclude us from later exercising those rights. 
22. Changing This Agreement: Subject to applicable law, we may change this Agreement at any time or from time to time. For example, we may change the addresses and telephone numbers you should use to contact us, change fees, add new fees, change the interest rates or rate formulas that apply to your Account, increase your minimum payment due or add, delete or modify non-economic terms. We will notify you of changes to this Agreement as required by applicable law. Any change, including any increase or decrease in the APRs on your Account, will become effective at the time stated in our notice and will apply to those balances, including new transactions, on your Account as described in our notice. If you have agreed to receive electronic Account notices, we may send a notification email to the email address we have in our records when such notices are ready and you may access them online at pay.citizensbank.com or such other website of which we will notify you. If required by applicable law, we will mail any required change in terms notice to the then-current address we have on file for your Account. 
23. Your Credit Performance: Your Account was established based upon criteria reflecting your particular credit history and we will from time to time review your credit performance. If you do not maintain your past level of credit performance, we may change some or all of your Account terms and we will notify you as to such changes in accordance with applicable law. 
24. Your Credit Information and Your Credit Report: You authorize us to obtain credit reports in connection with this Agreement and from time to time in connection with the review of your Account, or any update, extension or renewals of your Account, and for the purposes of collection of your Account. You authorize us to verify with others any information and to provide information about our transactions with you to third parties (including consumer reporting agencies, merchants and other lenders) for lawful purposes. YOU UNDERSTAND WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. SUBJECT TO APPLICABLE LAW, LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.
25. How to Dispute Credit Reports Regarding Your Account: If you think the information we furnished to consumer reporting agencies on the Account is not accurate, write us at Citizens Bank, One Citizens Bank Way, Johnston, RI 02919. You may experience a delay if you do not write to this address. In order for us to investigate your dispute, you will need to provide us with your name, address, and telephone number; the Account number you are disputing; and why you believe there is an inaccuracy. We will complete any investigation and notify you of our findings and, if necessary, corrections. You understand that calling us will not preserve your rights. 
26. We May Contact You: Telephone calls and SMSs may be made to you using an automatic dialing-announcing device. Your telephone conversations with employees or agents of ours may be monitored and/or recorded. We also may monitor and record mail or conversations on our Websites between you and us and you and our agents, whether initiated by you or us or our agents. Use of your Account will signify your consent to such use of an automatic dialing announcing device, monitoring, and/or recording. 
27. Telephone Numbers We May Use to Contact You. When you give us your mobile phone number, we have your permission to contact you at that number about all of your Citizens Bank N.A. accounts. Your consent allows us to use text messaging, artificial or pre-recorded voice messages and automatic dialing technology for informational and account service calls, and for any other purpose, including, but not limited to telemarketing or sales calls. It may include contact from companies working on our behalf to service your accounts. Message and data rates may apply. You may contact us anytime to change these preferences.
28. Assignment. We may at any time assign or sell this Account, any sums due on this Account, this Agreement, or your rights or obligations under this Agreement. The assignee shall be entitled to all of our rights under this Agreement, to the extent assigned. You may not sell, assign or transfer your Account or any obligations under this Agreement.
29. Governing Law: Applicable federal law and the substantive laws of the Rhode Island (to the extent not preempted by federal law) without regard to principles of conflict of law or choice of law, shall govern this Agreement including the rate of interest and fees.
30. Continuation of Our Rights. We may delay or forgo enforcing any of our rights or remedies under this Agreement without losing them.
31. Correction of Errors. You agree to fully cooperate and adjust all typographical, computer calculation or clerical errors discovered in any or all of the documents relating to this Agreement, including your application for credit, the Agreement, disclosure statements and any other disclosures or notices. All parties involved will be notified and receive a corrected copy of the changed documents
32. Severability. Any provision in this Agreement that is held unenforceable will be considered omitted without affecting the validity or enforceability of the remainder of the Agreement.
33. Caption Headings. The caption headings in this Agreement may not fully describe the contents of each section. Please read the entire Agreement very carefully to ensure that you fully understand your rights and obligations.
34. Product Availability and Shipment. Merchant is solely responsible for the availability, installation and/or shipment of all Products that you have financed under this Agreement. Approval of your Line of Credit application by Citizens Pay does not guarantee that the Product you intend to purchase will be available from the Merchant.  If the installation and/or shipment of any Product is delayed, your Repayment Period may begin before all items are installed/shipped. We and Merchant reserve the right to refuse to install/ship any Products without prior notice to you if any payment under this Agreement is overdue until such time as all overdue payments under this Agreement are actually received.
35. Returns and Exchanges. All Product returns will be handled by Retailer Restocking or other fees charged by Retailer may reduce any return credit you receive. Retailer will process Product returns according to its return policies in its sole discretion. Please contact Retailer for additional detail about those policies. Retailer will notify us of its acceptance of any return and any return credit to which you are entitled. Following receipt of such notice from Retailer, we will apply such return credit as applicable. You will continue to be liable for repayment according to the terms and conditions of the Agreement for any remaining amounts due after application of any return credit.
36. Product Warranties. Any claims you may wish to file relating to a warranty associated with a Product should be filed with Retailer
37. Business Relationship with Retailer. Citizens and Retailer have a business relationship relating to Retailer’s sale of Products that are financed by a Citizens Pay line of credit. Such business relationship may include the payment of a fee by Retailer to us for providing Credit to you.
38. Buyer’s Right to Cancel. You may have a right to cancel after the date of this Agreement.  See the NOTICE OF CANCELLATION form provided by Retailer for a full explanation of your right to cancel, including the timeline for cancellation and required steps to invoke your right to cancel this Agreement and your transaction.  
39. Insurance. Purchase of insurance is not required to obtain credit, and you may obtain property insurance from any provider.
40. Requesting, Obtaining, and Sharing Information About You. Federal laws and regulations require us to request information from you prior to opening an account or adding an additional signatory to an account. The information we request may vary depending on the circumstances, but at a minimum, will include your name, address, an identification number such as your social security or taxpayer identification number, and for individuals, your date of birth. We are also required to verify the information you provide to us. This verification process may require you to provide us with supporting documentation that we deem appropriate. We may also seek to verify the information by other means. We reserve the right to request additional information and/or signatures from you from time to time.

NOTICES

1. YOU MAY AT ANY TIME PAY YOUR TOTAL INDEBTEDNESS UNDER THIS AGREEMENT.

2. KEEP A COPY OF THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS.

   SUBJECT TO APPLICABLE LAW, THE BANK CAN CHANGE THE TERMS OF, ADD NEW TERMS TO, OR DELETE TERMS FROM THIS AGREEMENT. THE BANK WILL GIVE YOU ADVANCE NOTICE OF THE CHANGE, ADDITION OR DELETION WHEN REQUIRED BY APPLICABLE LAW. ANY CHANGE, ADDITION, OR DELETION TO THIS AGREEMENT WILL BECOME EFFECTIVE AT THE TIME STATED IN THE NOTICE.

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

In Case of Errors or Questions about Your Bill

If you think your bill is wrong or if you need more information about a transaction on your bill, write us (on a separate sheet) at: Disputes Dept Citizens, PO Box 2988 Omaha, NE 68103-2988, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us at 1-888-522-9881 but doing so will not preserve your rights. In your letter, give us the following information:

• Your name and account number

• The dollar amount of the suspected error

• Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate whether or not here has been an error the following are true:

• We cannot try to collect the amount in question or report you as delinquent on that amount

• The charge in question may remain on your statement and we may continue to charge you interest on that amount.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error or explain why we believe the bill is correct.

After we finish our investigation, one of two things will happen:

• If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.

• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Line of Credit Purchases

If you are dissatisfied with the goods or services that you have purchased with your line of credit and you have tried in good faith to correct the problem with the Retailer, you may have the right not to pay the remaining amount due on the purchase.

To use this right all of the following must be true:

(1) the purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50;

(2) you must have used your line of credit for the purchase; and

(3) you must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Citizens Pay, PO Box 2360, Omaha, NE 68103.

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation we will tell you our decision. At that point if we think you owe an amount and you do not pay we may report you as delinquent.

How much to pay: You must pay at least the minimum amount due by the payment due date. You may pay the entire balance at any time. Any amount past due must be paid immediately.

Unsecured Line of Credit. This is an unsecured line of credit.

NOTICE AND STATE DISCLOSURES

1. ANY HOLDER OF THIS CONSUMER-CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
2. Notice to Iowa Residents: IMPORTANT- READ BEFORE SIGNING. THE TERMS OF THIS AGREEMENT SHOULD BE READ CAREFULLY BECAUSE ONLY THOSE TERMS IN WRITING ARE ENFORCEABLE. NO OTHER TERMS OR ORAL PROMISES NOT CONTAINED IN THIS WRITTEN CONTRACT MAY BE LEGALLY ENFORCED. YOU MAY CHANGE THE TERMS OF THIS AGREEMENT ONLY BY ANOTHER WRITTEN AGREEMENT.
3. Notice to Iowa and Kansas Residents: NOTICE TO CONSUMER:-
   1. Do not sign this paper before you read it.
   2. You are entitled to a copy of this paper.
   3. You may prepay the unpaid balance at any time without penalty and may be entitled to receive a refund of unearned charges in accordance with law. You acknowledge that you have received a copy of this notice.
4. Notice to Missouri Residents: Oral Agreements or commitments to line of credit money, extend credit or to forbear from enforcing repayment on a debt including promises to extend or renew such debt are not enforceable. To protect you (borrowers) and us (creditor) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it.
5. Notice to New Hampshire Residents: If you prevail in any action, suit or proceeding we bring or in an action you bring in connection with this Agreement, reasonable attorneys' fees will be awarded to you. If you successfully assert a pertinent defense, set off, recoupment or counterclaim to an action brought by us, the court may withhold from us the entire amount or such portion of the attorneys' fees as the Court deems appropriate.
6. Notice to New Jersey Residents: The section headings of the Agreement are a table of contents and not contract terms. Portions of this Agreement with references to actions taken to the extent of applicable law apply to acts or practices that New Jersey law permits or requires. In this Agreement, acts or practices (1) by you which are or may be permitted by "applicable law" are permitted by New Jersey law, and (2) that may or will be taken by you unless prohibited by "applicable law"" are permitted by New Jersey law.
7. Notice to New York Residents: NOTICE TO THE BUYER-
   1. Do not sign this agreement before you read it or if it contains any blank space.
   2. You are entitled to a completely filled in copy of this agreement.
   3. Under the law, you have the right to pay off in advance the full amount due. If you do so, you may, depending on the nature of the credit-service charge, either:
      1. prepay without penalty, or
      2. under certain circumstances obtain a rebate of the credit service charge.
8. Notice to Texas Residents: THIS WRITTEN LINE OF CREDIT AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.
9. Notice to Utah Residents: This Agreement is the final expression of the Agreement between the parties, and it may not be contradicted by evidence of an alleged oral agreement.
10. Notice to West Virginia Residents: Reference to the payment of attorneys' fees and court costs in the terms of this Agreement is void.

FOR ALL ACCOUNTS OPENED AFTER 01/17/2022

Promotional Rates on the Account: Certain product purchases may qualify for promotional pricing ("Promotional Offers"). Promotional Offers may differ by term and/or product and may be based on creditworthiness. You will be notified during the financing process if a Promotional Offer applies to your purchase. If your purchase does not qualify for a Promotional Offer, the APR listed below will apply. See your Line of Credit Agreement for more details.

LINE OF CREDIT ACCOUNT SUMMARY TABLE

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Line of Credit Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Line of Credit Agreement.

The information about the costs and fees for this Line of Credit described in this application is accurate as of the date printed. This information may have changed after that date. To find out what may have changed, call us toll-free at 1-888-522-9881 or write to us at Citizens Pay, PO Box 2360, Omaha, NE 68103. 

Consumer Disclosures

Military Lending Act Disclosure: 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%. 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 charged (other than certain participation fees for a credit or debit payment account). To hear more information about special protections that may apply to your account under the Military Lending Act, please call the following toll-free number: 1-866-999-6336.

Notice to New York and Vermont Residents: Consumer reports may be requested in connection with the processing of your application and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting agencies that have provided us with such reports.

New York residents may contact the New York State Department of Financial Services by telephone at 1-877-226-5697 or visit its website at http://www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.

Notice to Rhode Island Residents: A consumer report may be requested in connection with this application.

Notice to California Residents: Married applicants may apply for separate accounts.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Married Wisconsin Residents: No agreement, court order, or individual statement applying to marital property will adversely affect our rights with respect to your credit card account, unless you provide us now with a copy of, or complete information about, the agreement, order, or statement or unless we have actual notice of it.

CITIZENS PAY LINE OF CREDIT TERMS AND CONDITIONS SUMMARY

You are applying for an unsecured open-end line of credit. Please review everything below carefully for a full explanation of the line of credit terms and conditions. Payment authorization may be established during the line of credit application process.  You must pay at least the minimum amount due by the payment due date. You may pay the entire balance at any time. Any amount past due must be paid immediately.

CITIZENS PAY LINE OF CREDIT

Please read the following important information:

• Your request for a line of credit from Citizens Pay to finance your purchase of products, including: (1) authorization for us to obtain and use your credit report in connection with the line of credit application; (2) consent for us and the merchant from whom you purchased the products (“Merchant”) to share information with each other, and as applicable an alternative line provider about your application and line of credit; and (3) permission for us to send you text messages about your line of credit.

• Your disclosures from Citizens Pay regarding the financial terms of your line of credit, including your Citizens Pay Line of Credit Account Summary Table.

• Your line of credit agreement, which is the legal agreement describing our respective rights and obligations relating to this line of credit, including: (1) information about how and when you must make payments; (2) what will happen if you fail to make payments; (3) what happens to your line of credit if you return or exchange any products; and (4) other important information about your legal rights and obligations in connection with your line of credit.

• Recurring Payment Authorization (if elected): Election of your payment type and authorization for recurring monthly payment amounts.

• Citizens’ privacy notice, which explains how Citizens may share your non-public personal information with affiliated and non-affiliated entities, and how you can opt out of some of that information sharing.

INITIAL APPLICATION, CREDIT AUTHORIZATION, AND DATA-SHARING CONSENT

I would like to apply for a Citizens Pay Line of Credit. I authorize Citizens to obtain my credit report to make a credit decision and for other purposes. I understand that Citizens will assign a maximum credit limit subject to creditworthiness, affordability, and bank credit policy, even if the total package value of my initial purchase is for a lesser amount. I also understand that, if I request the name and address of the consumer reporting agency that furnished the report, Citizens will provide this information to me. I authorize Citizens and Merchant to share with each other information about me and my line of credit, including but not limited to, my application and line of credit status. I agree that I will be personally responsible for all payments I owe under the line of credit, and that minimum monthly payments will be charged using the payment method and account number I provide. I authorize Citizens to contact me regarding my line of credit and line of credit request, including repayment of my line of credit, using an automatic dialing service, prerecorded messages and/or SMS text messages, including, current and future numbers that I provide for my cellular telephone, even if I will be charged by my service provider for receiving such communications.

LINE OF CREDIT AGREEMENT

In this Citizens Pay Line of Credit Agreement (the “Agreement”) “you”, “your” and “yours” mean the borrower(s). “We,” “us,” “Citizens,” “Citizens Pay” and “Bank” means Citizens Bank, N.A. “Merchant” means the retailer from whom you purchased the product(s) with your Citizens Pay Line of Credit and with whom you opened your Citizens Pay Line of Credit Account. “Account” means your Citizens Pay Line of Credit Account. “Line Number” means any number or device we provide to you to access your Account, and may include, but is not limited to, your Account number stored on pay.citizensbank.com (your “Line Number”). You will only receive a Line Number when you open your Account. Citizens is the issuer of your Line of Credit and any associated line number assigned to your Account. All extensions of credit in connection with the Account are made by Citizens. This Agreement establishes the terms of the Account and should be retained for your records. By using your Account to make a Purchase, as defined herein, or for any other transaction, you agree to the terms and conditions in this Agreement. This Agreement means this document and the Account Summary Table, and any changes we make to these documents, from time to time.

1. Your Promise to Pay and How to Use Your Account: You are liable for use of the Line Number or Account by you and any person you authorize to use your account, including any person you have designated to us in writing as an authorized user (“Authorized User”). Any such use will constitute acceptance of all terms and conditions of this Agreement, even though this Agreement is not signed. You authorize us to pay and charge your Account for any and all purchases resulting from use of the Line Number or the Account (each a “Purchase”). You promise to pay us (in U.S. Dollars drawn on U.S. financial institutions) as required by this Agreement for all Purchases, plus interest charges and fees and charges owed under this Agreement.
   Use of the Line Number or Account may include physical use, mail or telephone order, computer or other electronic transactions made without presenting the Line Number, or any other circumstance where you authorize a charge or authorize someone else to charge the Account. You may only use your Line Number to make purchases from Merchant, your Account can only be used for purchases from that retailer.. You agree to use the Line Number and the Account only for lawful personal, family or household purposes. You agree not to use your Account for transactions that may be illegal under any state or federal law, including those involving gambling and the purchase of hemp and/or cannabis products, or for cash advance and/or quasi-cash transactions. We may decline to approve any transaction that we reasonably believe is illegal under any state or federal law. We reserve the right to block any such transactions.
2. About the Financing Offers that Might be Available to You: We may occasionally, at our option, make certain financing offers available to you for certain types of Purchases (“Promotional Offers”). Details of the Promotional Offer will be described at the time of the specific offer. Features of Promotional Offers may include, among other things, interest-free periods; deferral and potential forgiveness of interest; reduced interest rates and/or special payment terms. The benefits of Promotional Offers are contingent upon payment of your Account in accordance with this Agreement and/or the Promotional Offers. Information about Promotional Offers will be shown separately on your monthly billing statement (“Statement”) as long as the Promotional Offer is in effect. If you use your Account for a Promotional Offer, you acknowledge and agree that the specific terms of the Promotional Offer will modify and become part of this Agreement, and all other terms and conditions of this Agreement will apply to the Promotional Offer. There may be certain purchase requirements, such as certain types of goods and services or minimum dollar amounts that must be met for a Purchase to be eligible to be financed on a given Promotional Offer. Note however that the standard provisions of this Agreement apply to all transactions not subject to a Promotional Offer.
3. How We Calculate the Interest Charges on Your Account:
   1. Interest Charges: Each billing cycle, we separately determine the interest charges on standard (non-promotional) purchases (“Standard Purchases”) and each separate type of promotional Purchase (each, a “Type of Balance”). For each Type of Balance, we determine interest charges each billing cycle by multiplying the Balance Subject to Interest Rate by the applicable Monthly Periodic Rate. To get the total interest charges for the billing cycle, we add together the interest charges for all Types of Balances.
   2. How We Will Calculate Interest on Your Account: We use a method called “Average Daily Balance (including new transactions)” to compute the interest charge. For each Type of Balance, the Balance Subject to Interest Rate is the total of the closing daily balances for such Type of Balance for all the days in the billing cycle (treating any negative balance as $0.00), divided by the number of days in such cycle. The closing daily balance for each Type of Balance equals the balance at the beginning of the day, plus any new transactions of the same Type of Balance and less any payments and credits applied to such balances. If you have a deferred interest Promotional Offer, any interest charges will be calculated and deferred to the end of the Promotional Offer term to determine whether the full deferred interest balance has been repaid during that term.
   3. How Interest Accrues and How to Avoid Paying Interest on Purchases: For each Standard Purchase, interest begins to accrue on the transaction date. Generally, you can avoid paying interest on Standard Purchases if you pay your Standard Purchase balance (identified on your Statement as the “New Balance”) by the Payment Due Date reflected on that Statement.
   4. If you have a promotional balance(s) on your Account, you may still be able to avoid paying interest on Standard Purchases provided you pay the amount that equals the required Minimum Payment Due for that billing cycle plus the total outstanding Standard Purchase balance  by the Payment Due Date.
   5. Treatment of Late Fees: We do not charge interest on Late Fees.
4. The Interest Rates on your Account: The “Annual Percentage Rate” or “APR” is the annual rate of interest charged on Account balances. In connection with a Promotional Offer, we may charge a reduced promotional rate of interest.
5. A Minimum Payment is Due Each Month: Each billing cycle you agree to pay at least the minimum payment due by the payment due date shown on your monthly Statement (the “Minimum Payment Due”). Each Minimum Payment Due will be due the same day of each month (“Payment Due Date”) as reflected on the Statement (which will be at least 21 days after your statement closing date each month).
   
   The Minimum Payment Due will be calculated as follows:
   
   1. The installment payment, if any, due that month, over the term of the financed amount provided that payments are received by their payment due date; payments made after the payment due date may incur additional interest charges; plus
   2. Each payment amount due in connection with a Promotional Offer balance, such as a special payment calculation; plus
   3. A portion of the balance, if any, due to standard (non-promotional purchases), together with any applicable fees and charges (except interest charges) assessed in the particular billing cycle; plus any past due amount.
      Credits, adjustments, refunds and similar Account transactions may not be used in place of payment of any portion of a required minimum payment. If you pay ahead by paying more than the Minimum Payment Due in one billing cycle, you will not be excused from paying the Minimum Payment Due in subsequent billing cycles.
6. If You Pay Late You May Be Assessed a Late Fee: If the Minimum Payment Due is not received by the Payment Due Date on the Statement, we may charge you a late fee of $8 for each late payment up to six total times each calendar year. You understand and agree that any late fee assessed on your Account will be included in the Minimum Payment Due calculated for the billing Statement on which the fee appears.
7. Administrative Fees: If you request a paper copy of a Statement or sales draft or payment check, you may be required to pay a fee so long as it is not prohibited by applicable law. The amount of the fee will be disclosed at the time you request this optional service. However, you will not be charged for copies of billing Statements, sales drafts, or other documents that you request for a billing error/inquiry you may assert under applicable law.
8. Your Credit Limit:
   1. Generally: Your initial credit limit is provided at account opening. Your current credit limit will also be shown on your monthly Statement.
   2. Changes to Your Credit Limit: In our discretion, at any time, subject to applicable law, we may increase or decrease the credit limit that applies to your Account without providing prior notice to you. Your new credit limit will be shown on your Statement. You may ask us to change your credit limit by contacting Customer Service at the number we provide to you when your Account is opened. We do not have to agree to any such request.
   3. Going Over Your Credit Limit: You agree not to go over your credit limit. The Bank may permit you to go over your limit, in our own discretion, but is not required to do so. If your Account goes over your credit limit, you agree to pay the over limit amount when it is billed to you, or sooner upon our request. If we permit you to exceed your credit limit, we will not have waived any of our rights under this Agreement, and reserve the right to deny future, similar requests.
9. Your Monthly Billing Statements: If you have agreed to receive electronic statements, we will send a notification email to the email address we have in our records when your Statement is ready and you may access your Statements online at pay.citizensbank.comor such other website we make available to you. If you have elected to receive paper statements, your statement will be sent to the physical, on-file address.
10. How Your Payments Are Applied to Your Account Balance: Subject to the following and applicable law, payments will generally be applied first to the oldest Purchases.
    1. How the Minimum Payment is Applied to Your Account: We decide how to apply the Minimum Payment to the balances on your Account. We may apply your Minimum Payment Due in the following order: (i) to interest charges and other fees; and then (ii) in the case of multiple APRs, the payments will be prorated to satisfy the payment requirements in accordance with the repayment terms for each outstanding balance on the account.
    2. Application of Payments in Excess of Minimum Payment: We will generally apply payments and credits in excess of the Minimum Payment Due in the following order: (i) to purchase transactions with the highest APRs; (ii) to each successive purchase transaction with the next highest APRs; and (iii) to interest charges and other fees. This means that a payment above the minimum payment may be applied to a balance that is subject to the standard APR on your account before your excess minimum payment would be applied to any APR Promotional Offer balance.
11. How You Can Make Payments on Your Account: You may establish and authorize your method of payment during the line of credit application process. YOU MAY AT ANY TIME PAY OFF THE FULL UNPAID BALANCE OR PART OF THE UNPAID BALANCE UNDER THIS AGREEMENT. For purposes of this Section 11, the term “business day of the Bank” or “business day” means Monday through Friday (excluding bank holidays).
    1. Pay Online: You may make a single payment or set up recurring payments to your Account by enrolling in the Online Account Management service at: pay.citizensbank.com To enroll, enter your Account number, social security number, and zip code. Payments requested by 4:45 PM Eastern Time will be credited to your Account on the same day. Payments requested after 4:45 PM Eastern Time will be credited to your Account on the same day, but will not post until the next day. A payment requested by 4:45 PM Eastern Time on a weekend or federal holiday will be credited as of the day you make the payment. Recurring payments will be processed beginning at 2:00 AM Eastern Time on the established recurring payment date and will be credited to your Account on the same day, but may not post until the next day.
    2. Payments by Mail: Payments must be sent to the address designated on the Statement. Payments received at such address with the return portion of the Statement by 4:45 PM Eastern Time on a business day will be credited on the day of receipt. However, if the payment due date falls on a day when we do not accept payments, we will not treat any payment as late if we receive it by 4:45 PM Eastern Time on the following business day. Payments received after 4:45 PM Eastern Time Monday through Saturday (excluding bank holidays) will be credited on the next business day. Payments received on Sunday will be considered received on Monday. There may be a five (5) day delay of crediting if payments are not received in U.S. dollars, not made in the envelope provided with the Statement or not accompanied by the payment stub which is part of the Statement, and/or not received at the address for payments designated on the Statement. You will need to allow up to seven (7) days for the U.S. Postal Service to deliver your payment. Payments must be made by check or money order payable in U.S. funds and drawn on a financial institution located within the United States. We do not accept payments on this Account at our branches.
    3. Same Day Telephone Payments: You may also call us and arrange for an expedited payment through a customer service representative. By doing so, you authorize us or our agent to automatically initiate a single entry ACH debit to your checking account and will authorize your financial institution to accept these debits and charge them to your checking account. Payments arranged by 4:45 PM Eastern Time on business days will be credited on a same- day basis and payments arranged after 4:45 PM Eastern Time on a business day or on a non- business day will be credited on the next business day.
    4. Electronic Fund Transfer: If you utilize a check to make payment on this Account, you authorize us to use the information from the check to make a one-time electronic fund transfer from your checking or deposit account or to process the payment as a check transaction.
    
    Your available credit may not be immediately increased by the amount of your payment for up to seven (7) days to ensure we collect the funds from the bank on which your payment is drawn. If you overpay or if there is a credit balance on your Account, you will not be paid interest on that amount.
12. If Your Payment is Returned Unpaid: If a payment you make is not honored by your financial institution and it has already been credited by us to your Account, we will reverse the credit and add the amount of the payment back to the Account as of the day the payment was first credited to the Account.
13. Irregular Payment and Delay in Enforcement: We may accept late payments, partial payments, check and money orders marked “Paid in Full” or language having the same effect without losing any of our rights under this Agreement. We can also delay enforcing our rights under this Agreement any number of times without losing them. If we at any time honor a purchase in excess of your maximum credit limit, we are not obligated to do so at any other time.
14. If You Have a Credit Balance: We will return to you any credit balance on your Account over $1 within six (6) months (or, in our discretion, in a shorter time period). You may also request a refund of a credit balance on your Account at any time, by calling us at 1-888-522-9881 or sending your request to Citizens Pay, PO Box 2360, Omaha, NE 68103, by first class mail, postage prepaid. We may reduce the amount of any credit balance on your Account by applying the credit balance towards new fees and charges posted to your Account.
15. Entire Agreement: You agree that this Agreement (as amended and supplemented from time to time), including the Account Summary Table, and the application constitute the final expression of the agreement between you and us and that this Agreement may not be contradicted by evidence of any prior, contemporaneous or subsequent oral agreement between you and us regarding your Account. The Merchant and its employees have no authority to change, add to or explain the terms of this Agreement except to provide you with Promotional Offers.
16. If You Default on This Agreement: You agree that you will be in default, and we will not be obligated to honor any attempted use of your Account (even if we do not give you advance notice) if any of the following events occurs:
    1. We do not receive a required minimum payment by 4:45 PM Eastern Time on the Payment Due Date, accompanied by your Statement’s payment stub (if mailed), or we do not receive any other payment required by this Agreement when such payment is due.
    2. You exceed the credit limit.
    3. You die or are declared legally incompetent or incapable of managing your affairs, become insolvent, file for bankruptcy, or otherwise become the subject of a bankruptcy petition or filing.
    4. You give us false or misleading information at any time in connection with your Account.
    5. You send us a check or similar instrument that is returned to you unpaid, or any automatic, electronic or other payment on your Account cannot be processed or is returned unpaid, for any reason, within the last six (6) billing cycles.
    6. You breach or otherwise fail to comply with any term or condition of this Agreement.
    7. There is a significant change in your ability to repay amounts owed under pursuant to this Agreement.
    
    If you are in default, we may close your Account and require you to pay us the entire amount owed under this Agreement in full, immediately. We may also increase the dollar amount of your minimum payment, subject to applicable law.
17. Purchases Made by Your Authorized Users: We may allow you to have Authorized Users who may use your Account. When you allow an Authorized User to use your account, you will be liable for all transactions made by the person, including transactions for which you may not have intended to be liable, and even if the amount of liability causes you to exceed your credit limit. You must notify us at the following telephone number: 1-888-522-9881. Until you revoke your permission, you remain responsible for all charges made by the Authorized User, even if you did not intend to be liable.
18. Your Liability for Unauthorized Use: If your Line Number is lost or stolen or if you believe someone may have used your Account without your permission, you must notify us at once. You may be liable for the unauthorized use of your Account. You will not be liable for unauthorized use that occurs after you notify us by writing to Citizens Pay, PO 2360, Omaha, NE 68103, or verbally by calling Customer Service at 1-888-522-9881 of the loss or theft of the Line Number or the possible unauthorized use of the Account. Your maximum liability is $50. Subject to any restrictions of applicable law, we may terminate or limit access to your Account if you have notified us or we have determined that your Line Number may have been lost or stolen, or that there may be unauthorized access to your Account.
19. Closing Your Account: We may without prior notice suspend or close your Account at any time, for any reason, including but not limited, to a change to your creditworthiness or Account inactivity. If we suspend or close your Account, you agree to pay us all amounts you owe under this Agreement (including any future interest charges or fees), under the terms and conditions of this Agreement, and you agree that we are not liable to you for any consequences resulting from closing your Account. You may ask us to close your Account to new transactions at any time, by notifying Customer Service at Citizens Pay, PO Box 2360, Omaha, NE 68103, by first class mail with your written notice or contacting us by calling Customer Service at 1-888-522-9881. If you request to close your Account by phone, we reserve the right to require a written notice from you. You also agree to stop using the Account immediately after you notify us that you want to close your Account to new transactions.
20. Changing This Agreement: Subject to applicable law, we may change this Agreement at any time and from time to time. For example, we may change the addresses and telephone numbers you should use to contact us, change fees, add new fees, change the interest rates or rate formulas that apply to your Account, increase your minimum payment due or add, delete or modify non-economic terms. We will notify you of changes to this Agreement as required by applicable law. Any change, including any increase or decrease in the APRs on your Account, will become effective at the time stated in our notice and will apply to those balances, including new transactions, on your Account as described in our notice. If you have agreed to receive electronic Account notices, we may send a notification email to the email address we have in our records when such notices are ready and you may access them online at pay.citizensbank.com or such other website of which we will notify you. If required by applicable law, we will mail any required change in terms notice to the then-current address we have on file for your Account.
21. Your Credit Performance: Your Account was established based upon criteria reflecting your particular credit history and we will from time to time review your credit If you do not maintain your past level of credit performance, we may change some or all of your Account terms and we will notify you as to such changes in accordance with applicable law.
22. Your Credit Information and Your Credit Report: You authorize us to obtain credit reports in connection with this Agreement and from time to time in connection with the review of your Account, or any update, extension or renewals of your Account, and for the purposes of collection of your Account. You authorize us to verify with others any information and to provide information about our transactions with you to third parties (including consumer reporting agencies, merchants and other lenders) for lawful purposes. YOU UNDERSTAND WE MAY REPORT INFORMATION ABOUT ACCOUNT TO CREDIT BUREAUS. SUBJECT TO APPLICABLE LAW, LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOURACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.
23. How to Dispute Credit Reports Regarding Your Account: If you think the information we furnished to consumer reporting agencies on the Account is not accurate, write us at Citizens Pay, One Citizens Bank Way, Johnston, RI 02919. You may experience a delay if you do not write to this address. In order for us to investigate your dispute, you will need to provide us with your name, address, and telephone number; the Account number you are disputing; and why you believe there is an inaccuracy. We will complete any investigation and notify you of our findings and, if necessary, corrections. You understand that calling us will not preserve your rights.
24. We May Contact You: Telephone calls and SMSs may be made to you using an automatic dialing-announcing device. Your telephone conversations with employees or agents of ours may be monitored and/or recorded. We also may monitor and record mail or conversations on our Websites between you and us and you and our agents, whether initiated by you or us or our agents. Use of your Account will signify your consent to such use of an automatic dialing announcing device, monitoring, and/or recording.
25. Telephone Numbers We May Use to Contact You. When you give us your mobile phone number, we have your permission to contact you at that number about all of your Citizens accounts. Your consent allows us to use text messaging, artificial or pre-recorded voice messages and automatic dialing technology for informational and account service calls, and for any other purpose, including, but not limited to telemarketing or sales calls. It may include contact from companies working on our behalf to service your accounts. Message and data rates may apply. You may contact us anytime to change these preferences.
26. Assignment. We may at any time assign or sell this Account, any sums due on this Account, this Agreement, or your rights or obligations under this Agreement. The assignee shall be entitled to all of our rights under this Agreement, to the extent assigned. You may not sell, assign or transfer your Account or any obligations under this Agreement.
27. Governing Law: Applicable federal law and the substantive laws of the state of Connecticut (to the extent not preempted by federal law) without regard to principles of conflict of law or choice of law, shall govern this Agreement including the rate of interest and fees.
28. Severability. Any provision in this Agreement that is held unenforceable will be considered omitted without affecting the validity or enforceability of the remainder of the Agreement.
29. Caption Headings. The caption headings in this Agreement may not fully describe the contents of each section. Please read the entire Agreement very carefully to ensure that you fully understand your rights and obligations.
30. Product Availability and Shipment. Merchant is solely responsible for the availability, installation and/or shipment of all Products that you have financed under this Agreement. Approval of your Line of Credit application by Citizens Pay does not guarantee that the Product you intend to purchase will be available from the Merchant.  If the installation and/or shipment of any Product is delayed, your Repayment Period may begin before all items are installed/shipped. We and Merchant reserve the right to refuse to install/ship any Products without prior notice to you if any payment under this Agreement is overdue until such time as all overdue payments under this Agreement are actually received.
31. Returns and Exchanges. All Product returns will be handled by Merchant. Restocking or other fees charged by Merchant may reduce any return credit you receive. Merchant will process Product returns according to its return policies in its sole discretion. Please contact Merchant for additional detail about those policies. Merchant will notify us of its acceptance of any return and any return credit to which you are entitled. Following receipt of such notice from Merchant, we will apply such return credit as applicable. You will continue to be liable for repayment according to the terms and conditions of the Agreement for any remaining amounts due after application of any return credit.
32. Product Warranties. Any claims you may wish to file relating to a warranty associated with a Product should be filed with Merchant.
33. Business Relationship with Merchant. Citizens and Merchant have a business relationship relating to Merchant’s sale of Products that are financed by a Citizens Pay Line of Credit. Such business relationship may include the payment of a fee by Merchant to us for providing Credit to you.
34. Buyer’s Right to Cancel. You may have a right to cancel after the date of this Agreement. See the NOTICE OF CANCELLATION form provided by Merchant for a full explanation of your right to cancel, including the timeline for cancellation and required steps to invoke your right to cancel this Agreement and your transaction.
35. Insurance. Purchase of insurance is not required to obtain credit, and you may obtain property insurance from any provider.
36. Requesting, Obtaining, and Sharing Information About You. Federal laws and regulations require us to request information from you prior to opening an account or adding an additional signatory to an account. The information we request may vary depending on the circumstances, but at a minimum, will include your name, address, an identification number such as your social security or taxpayer identification number, and for individuals, your date of birth. We are also required to verify the information you provide to us. This verification process may require you to provide us with supporting documentation that we deem appropriate. We may also seek to verify the information by other means. We reserve the right to request additional information and/or signatures from you from time to time.

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us (on a separate sheet) at: Disputes Dept., Citizens Pay, PO Box 2988 Omaha, NE 68103-2988, as soon as possible. In your letter, give us the following information:

• Your name and account number

• The dollar amount of the suspected error

• Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.

We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared and at least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You can telephone us at 1-888-522-9881 but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error or explain why we believe the bill is correct.

While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question or report you as delinquent on that amount

• The charge in question may remain on your statement and we may continue to charge you interest on that amount.

• We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

• If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.

• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Line of Credit Purchases

If you are dissatisfied with the goods or services that you have purchased with your line of credit and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.

To use this right all of the following must be true:

(1) the purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50; (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)

(2) You must have used your line of credit for the purchase; and

(3) you must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Citizens Pay, PO Box 2360, Omaha, NE 68103.

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point if we think you owe an amount and you do not pay, we may report you as delinquent.

NOTICE AND STATE DISCLOSURES

1. ANY HOLDER OF THIS CONSUMER-CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

2. Notice to New Jersey Residents: The section headings of the Agreement are a table of contents and not contract terms. Certain provisions of this Agreement may be void, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, are void, unenforceable or inapplicable in New Jersey.

3. Notice to Utah Residents: This Agreement is the final expression of the Agreement between the parties, and it may not be contradicted by evidence of an alleged oral agreement.

4. Notice to West Virginia Residents: Reference to the payment of attorneys’ fees and court costs in the terms of this Agreement is void.