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As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

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No provision of a marital property agreement, a unilateral statement under Section If you are a married Wisconsin resident, credit extended under this account will be incurred in the interest of your marriage or family.

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You agree to pay us all amounts that we lend to you on your Account, together with Interest Charges and fees as provided in this Agreement.

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Advances or when you use Convenience Checks. You will not be charged interest from the time you purchased goods or services, if you pay your full account balance by the Payment Due Date.

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Written notice will explain how changes apply. You may select the Administrator when you give written notice of an election to arbitrate a Claim or within 20 days after we give such a written notice.

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If you have a question about the arbitration administrators mentioned in this Arbitration Provision or would like to obtain a copy of their Arbitration Rules or fee schedules, you can contact them as follows: Additional Disclosures for Residents of Specific States.

Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement.

Additional Disclosures for Residents of Specific States:. APR will be from Your APR will be from If your APR is increased for this reason, the Penalty Rate will remain in effect until the account becomes current and six 6 consecutive required Minimum Payments are received on or before the Payment Due Date.

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