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Flying J Owner-Operator MasterCard® Credit Card statements will show your credit line and the unused portions of such line and limit
as of the statement date. You agree not to allow your total unpaid balance, including
any fees and charges as provided herein, to exceed your maximum credit line. We
are not required to make Cash Advances (including accepting transfers, convenience
CARDHOLDER AGREEMENT checks or ATM transactions) or extend credit for purchases at your request if you
have exceeded your credit line; or if such advances or purchases would, when added
to your existing balance, exceed your credit line. If credit is extended to you when
Welcome to Transportation Alliance Bank Inc you are over your credit line or limit, you agree to pay us immediately for any
This agreement is entered into by and between all individuals or entities named on excess amount, plus the Over-The-Credit-Limit-Fee (as stated on the fee schedule).
the credit card application and any other person who agrees to be liable on the We reserve the right to decline any attempted charge, even if the charge would not
Account (referred to herein collectively as “you”, “your” and “yours”) and cause you to exceed your credit line or limit. Balance transfers are permitted up to
Transportation Alliance Bank Inc. (referred to herein as “TAB”, the “bank”, “we” the amount of your available credit limit.
and “our”) and consists of this Cardholder Agreement, the Credit Card Application,
Schedule of Fees and all documents and statements (collectively the “Agreement”).
You hereby agree to the terms of this Agreement upon your use of any access device STATEMENTS
issued pursuant hereto, including any additional, renewal or replacement devices, You agree to give us prompt notice of any change in your name, mailing or e-mail
(collectively the “Card”), any use of your credit card account or the use of any other address to which we send billing statements or notices that a billing statement has
service provided by us in connection with this Agreement (your “Account”). You been posted (“Billing Information”), as well as any change in your telephone
must also certify that you are at least 18 years of age and a legal resident of the number or place of employment. You agree that we may update your Account and
United States. Billing Information in the event that we receive information that your Billing
Information has changed or is incorrect.
PROMISE TO PAY We will send you a statement covering each billing cycle in which you have a
You promise to pay for: (a) charges made on your credit card account by you, or to balance in excess of One Dollar ($1.00). The statement will include: (a) billing cycle
anyone you permit to use this Account, including but not limited to, any person beginning and close dates, beginning and close balances, payments, credits,
issued an additional Card on your Account (“Additional Card”); (b) any and all purchases, Cash Advances, Finance Charges, and all other fees and charges made to
applicable fees and charges as set forth in this Agreement and (c) collection costs your Account during the billing cycle; (b) the minimum payment you must make
and attorney’s fees as provided herein in this Agreement and as permitted by and the date by which the minimum payment must be paid in order to avoid late
applicable law if your Account should go into default. You acknowledge and agree charges; and (c) the amount available on your credit line.
that this promise includes any and all amounts for which you or an Additional
Cardholder intended to incur, even if you or the Additional Cardholder have not
signed a transaction slip, form or receipt or presented the Card. You and any person PAYMENT
liable on the Account agree to be jointly and individually responsible for any and all Payment is due when you receive your statement each month. We will not impose
payment and performance obligations set forth herein in this Agreement. any late charges if you pay at least the minimum payment reflected in your
statement by the payment date specified, which date will always be twenty-one (21)
days from the statement date. If you wish, you may pay more than the minimum
ADDITIONAL CARDHOLDERS payment and you may at any time pay the entire amount due for the current billing
If your account includes additional cards, then Additional Cardholders are cycle (referred to herein as “New Balance”).
authorized users on your Account and the Cards issued to them may be cancelled by
you or us at any time. You must notify us pursuant to this Agreement to revoke an All payments must be sent to the payment address shown on your billing statement
Additional Cardholder’s authorization to use your Account and any such Additional and must include the remittance coupon from your billing statement and your
Card(s) must be returned to us. You are responsible under this Agreement for all use Account number. You agree that any payment you make may be, but is not required
of your Account by the Additional Cardholder, and by anyone else you or an to be, returned to you without applying it to your Account and without presentment
Additional Cardholder lets use the Card, even if you did not intend for an Additional or protest, for reasons including, but not limited to, the check or money order: (a) is
Cardholder or other person to use the Card for any transactions. not drawn on the U.S. Post Office or a financial institution located in the United
States; (b) is missing a signature; (c) is drawn with different numeric and written
GUARANTORS AND JOINT CARDHOLDERS amounts; (d) contains a restrictive endorsement; (e) is post dated; (f ) is not payable
to Transportation Alliance Bank Inc.; (g) is not payable in U.S. dollars; (h) is not
We hereby reserve the right to, due to your refusal or failure to pay, to pursue paid upon presentment; or (i) results from an attempted transfer or is drawn on a
Guarantors and/or Joint Cardholders for payment of charges incurred or authorized convenience check. You agree to pay any bank collection fees we incur for any
by you and any and all cardholders for each use of the Additional Cards to pay us check payments made in U.S. dollars drawn on a financial institution not located in
for such transaction and become subject to the terms and conditions of this the United States. In the event that we accept a foreign currency payment, you
Agreement. You authorize us to provide Account information to Guarantors and/or acknowledge and agree that we may, in our sole discretion and judgment, choose a
Joint Cardholders and to discuss the Account with them. Furthermore, you agree to conversion rate that is acceptable to us to convert your remittance into U.S.
notify each Cardholder, at the time he or she becomes a Guarantor or Joint currency, unless a particular rate is required by law. Even though we post your
Cardholder that we may receive, record, exchange and use information about him or payment the same day if received by 3:00 PM MT, we may not restore your
her in the same manner we do with information about you, as described herein. available credit until funds are collected from the drawee bank.
CASH ADVANCES The minimum payment each month will be an amount equal to the greater of: (a) the
You may use the Card to obtain goods and services from any merchant who accepts Minimum Payment Percentage which is 2% of the New Balance (b) the amount of
the Card. You may also use the Card to obtain loans up to the applicable limits on your monthly Finance Charge if the monthly Finance Charge is greater than the
your Account (“Cash Advance(s)”) through various means we may make available, Minimum Payment Percentage; (c) Ten Dollars ($10.00); or (d) the amount of the
including but not limited to, Automated Teller Machine (ATM) transactions, New Balance if less than Ten Dollars ($10.00). In addition to the minimum payment
transfers, convenience checks, money orders, cashiers checks, travelers checks, wire amount as set forth herein, you agree to pay each month: (a) any past due amounts
transfers or other in-bank transactions, tax payments, legalized gambling appearing on your statement; and (b) any amount by which the New Balance
transactions and court costs, bail bonds and fines. A convenience check that we exceeds your credit line.
identify as having been made payable to cash, to you, or to a bank, brokerage or
similar asset account will be treated as a Cash Advance. Any other convenience FINANCE CHARGES
check or transfer will be drawn from your Account and billed on your statement as a Finance Charges begin to accrue for each transaction as of the date it is added to the
purchase. You may not use convenience checks to pay any amount you owe under daily balance. All Finance Charges are based on an ANNUAL PERCENTAGE
this Agreement or to pay any other account you have with us, our parent or affiliate. RATE (“APR”), which may vary, and are determined and calculated (as more
You hereby acknowledge and agree to pay the Cash Advance Transaction Fee (as specifically described herein below) by using your “Average Daily Balance”, the
stated on the fee schedule) for each Cash Advance transaction. “Prime Rate” and the “Daily Periodic Rate”.
MAXIMUM CREDIT LINE The “Daily Periodic Rate” is 1/365th of the Purchase APR. The APR is a variable
You may obtain credit by any means approved by us until the total unpaid balance rate between 6.9% - 16.9% plus the Prime Rate. The “Prime Rate” is determined
of your Account reaches your maximum credit line. The amount of your credit limit once with respect to each billing period, and applies to the entire billing period. The
will be established by us. We may, at any time and in our sole discretion, increase Prime Rate is the highest rate published in The Wall Street Journal, as modified
and/or decrease your credit line and Cash Advance limit. We may also limit from time to time, currently 3.25% as of May 1, 2009. If The Wall Street Journal
availability of amounts at an ATM or other Cash Advance transaction. Your billing Page 1 of 4 30007-0709 W
ceases publication or to publish the Prime Rate; we may use the Prime Rate
published in any other newspaper of general circulation, or we may substitute a
CASH ADVANCE TRANSACTION FEE
You hereby acknowledge and agree to pay the Cash Advance Transaction Fee for
similar reference rate at our sole discretion. When the APR changes, we apply it to
each Cash Advance transaction as stated in the fee schedule.
any existing balance subject to that rate. The APR in effect and any subsequent
changes to it will appear on the billing statement and an increase in the APR means
you will pay a higher Finance Charge and perhaps a higher minimum payment.
RETURNED PAYMENT CHARGE
You agree to pay a Returned Payment Charge as stated in the fee schedule, each
Regardless of the Prime Rate, the Daily Periodic Rate and corresponding APR on all
time you make a payment on your Account that is returned unsatisfied by your bank
balances shall not be less than 9.9% and may increase to the Default Rate of 22.9%
or other financial institution regardless of the payment method utilized.
plus the Prime Rate, (see Default and Termination of Agreement below). If the
Default Rate is applied, it will apply to your Account beginning with the current
billing period. The Default Rate will not apply to any balance unless it is higher than RETURNED CONVENIENCE CHECK CHARGE
the rate that would otherwise apply to that balance. You agree to pay a Returned Convenience Check Charge as stated in the fee
schedule, each time you use a convenience check that we are unable to honor
AVERAGE DAILY BALANCE CALCULATION because it would exceed your credit line when added to your existing balance on the
date it is presented for payment, or your Account is otherwise blocked or frozen.
(Including New Transactions)
We use the Average Daily Balance method to calculate Finance Charges on your
Account. Under this method, we calculate the Finance Charges on your Account by
FOREIGN CHECK FEE
You hereby acknowledge and agree to pay the Foreign Check Fee. See fee schedule.
applying the applicable Daily Periodic Rate to the Average Daily Balance, as
described herein. To get the Average Daily Balance, we: (1) take the beginning
balance for each day, including unpaid Finance Charges from previous billing RESEARCH CHARGES
periods; (2) add any new transactions, debits and fees; (3) subtract any payments or You agree to pay research charges as stated in the fee schedule, for each sales slip,
credits credited as of that day; and (4) make any appropriate adjustments. For each statement, transfer or convenience check copy or our record of your transfers you
day after the first day of the billing period, we also add an amount of interest equal request to be researched, you also agree to pay for copies requested by you if more
to the previous day’s daily balance multiplied by the Daily Periodic Rate for the than one copy is requested per year.
balance, which results in the daily balance for the particular balance for that day and
the beginning balance for that balance for the next day. We then add all the daily
balances for each applicable balance for the billing period and divide the total by the
AUTOMATED CLEARING HOUSE (“ACH”)
number of days in the billing period. This gives us the Average Daily Balance. CHECK-BY-PHONE CHARGE
You agree to pay an ACH (Payment by Phone) charge as stated in the fee schedule
The Average Daily Balance for a billing period will be considered to be zero if you for each payment requested by you or as otherwise effectuated using the bank’s
paid the New Balance, if any, shown on your previous billing period’s statement by check by phone or other ACH services as stated in the fee schedule.
the Payment Due Date shown on that statement. If you multiply the Average Daily
Balance for each balance by the number of days in the billing period and the Daily
Periodic Rate for that particular balance, the result will be the Finance Charge
ATM TRANSFERS AND DOLLAR LIMITATIONS
assessed on that balance, except for variations caused by rounding. The total You may access your account by ATM using your credit card and personal
Finance Charge for the billing period is calculated by adding the Finance Charges identification number, to:
assessed on all balances of the Account. The Average Daily Balance method of • Get cash withdrawals from your Revolving Line of Credit up to $500.00 per day.
calculating the Finance Charges results in daily compounding of Finance Charges. • Get information about your account balance.
At our discretion, we may exclude certain categories of debit transactions or fees ATM OPERATOR/NETWORK FEES
from the calculation of the daily balances. Unless we elect otherwise: (a) we will When you use an ATM not owned by us, you may be charged a fee by the ATM
add a Cash Advance or purchase to the appropriate daily balance as of the date of operator or any network used (and you may be charged a fee for a balance inquiry
request or the transaction date on the billing statement; (b) If received by 3:00 p.m. even if you do not complete a fund transfer). Please refer to our separate fee
Mountain Time, we will add a convenience check to the appropriate daily balance as schedule for the amount we will charge you for ATM fees.
of the date of first deposit, or if received after 3:00 p.m. Mountain Time, the next
business day; (c) we will add a Balance Transfer, other than through a convenience
check, to the appropriate daily balance as of the date of the request; (d) we will add TYPES OF CREDIT CARD POINT-OF-SALE TRANSACTIONS
periodic Finance Charges to the daily balance as described herein above; and (e) we You may access your account to purchase goods (in person), pay for services (in
will add any other transactions to the appropriate daily balance as of the date of the person), get cash from a merchant, if the merchant permits, or from a participating
transaction. Periodic Finance Charges are added to the outstanding balance at the financial institution, and do anything that a participating merchant will accept.
end of the billing period for which Finance Charges are calculated. In any such
billing period, we will impose a minimum Finance Charge, which will be added to
the balance with the highest APR unless in our sole discretion and judgment, we FEE SCHEDULE
decide otherwise. Fees are subject to change. For a complete list of fees applicable to your account
please see the Fee Schedule. When Fees are changed a new Fee Schedule will be
mailed to the address listed on the account with the account statement.
ANNUAL FEE
APPLICATION OF PAYMENTS
See fee schedule.
Subject to applicable law, we will apply and allocate payments and credits among
OVERNIGHT FEE balances on your Account in any order and manner determined by us in our sole
You agree to pay an Overnight Fee when requesting materials to be sent overnight. discretion and judgment. In most cases, we will apply and allocate payments in the
See the fee schedule. following order: (1) to any unpaid Finance Charges; (2) unpaid administrative
charges; (3) promotional balances; and (4) purchases.
LATE PAYMENT FEE
At least the minimum payment amount shown on your statement is due each month TREATMENT OF CREDIT BALANCES
when you receive your statement. We may impose and you agree to pay a late When a credit balance in excess of One Dollar ($1.00) is created in connection with
payment fee (as stated on the fee schedule) if you do not pay at least the minimum a transaction, we will: (a) credit the amount of the credit balance to your account;
payment by the date specified on your statement, which will always be 21 days from (b) refund to you by check any part of the remaining credit balance within seven (7)
the statement date. days upon your written request; and (c) make a good faith effort to refund to you by
check any part of the credit balance remaining in the account for more than six (6)
OVER-THE-CREDIT-LIMIT FEE months, except that no further action is required if your current location is not
If you go over your credit line, you may be billed an Over-the-Credit-Limit fee (as known to us and cannot be traced through your last known address or telephone
stated on the fee schedule). This fee will be imposed only once per billing cycle, but number. Send written requests for credit balance refunds to us at Transportation
may be imposed in each billing cycle that you remain over your credit line. Alliance Bank, Cardholder Services, P.O. Box 150480, Ogden, Utah 84415-0408.
Page 2 of 4 30007-0709 W
SUSPENSION AND CANCELLATION or convenience check written on your Account if we receive the check after your
Account is canceled.
In addition to any other actions we may take under this Agreement, we may, subject
to applicable law and at our sole discretion and judgment: (a) suspend or cancel your
Account or any feature offered in connection with your Account; (b) reduce your FOREIGN TRANSACTIONS
credit line or Cash Advance limit, including to a level below your outstanding If you effect a transaction with your Card in a currency other than U.S. dollars,
balance; and/or (c) suspend or cancel the authorization of any Additional Cardholder MasterCard International Incorporated will convert the charge into a U.S. dollar
to effectuate transactions on or to your Account, at any time, with or without cause, amount. MasterCard International will use its currency conversion procedure, which
whether or not your Account is in default, and without giving you notice. Any such is disclosed to institutions that issue MasterCard cards. Currently, the currency
action on our part will not cancel your obligation to pay all amounts due on your conversion rate used by MasterCard International to determine the transaction
Account under the terms of this Agreement in effect at the time of such action or as amount in U.S. dollars for such transactions is generally either a government-
subsequently amended, and you agree to pay us all such amounts despite any such mandated rate or a wholesale rate determined by MasterCard International for the
action. We may advise third parties who accept the Card that the Card(s) issued to processing cycle in which the transaction is processed, increased by an adjustment
you and/or any Additional Cardholder has been cancelled. If we cancel a Card, factor established from time to time by MasterCard International. The currency
Additional Card or any such Card expires, you may no longer use it and you must conversion rate used by MasterCard International on the processing date may differ
destroy it or return it to us or, if we request, to a third party. If you want to cancel from the rate that would have been used on the purchase date or Cardholder
the Account or any Additional Cards, you must notify us in writing pursuant to the statement posting date.
terms and conditions set forth herein and destroy the Card(s). If we agree to reinstate
your Account after a cancellation, the new Agreement we send you, or if we do not
send you a new Agreement, this Agreement as it may be amended, will govern your
CHOICE OF LAW AND VENUE
This Agreement and your Account shall be governed by, construed under and
reinstated Account. If we reinstate your Account, we may reinstate any Additional
enforced in accordance with the internal laws of the State of Utah, whether or not
Cards issued in connection with your Account.
you live in Utah and whether or not your Account is used outside of Utah. This
Agreement is entered into in Utah and all credit under the Agreement will be
CHANGE OF TERMS (including Finance Charge) extended from Utah. You agree that any suit, action or proceeding arising out of the
Subject to applicable law, we may change or terminate any term of this Agreement subject matter hereof, or the interpretation, performance or breach of this Agreement
or add new terms at any time, without limitation, including adding or increasing shall, if we so elect, be instituted in the United States District Court for the District
fees, increasing your monthly minimum payment and increasing the APR used to of Utah, the Second Judicial District Court for the State of Utah, or any other
calculate Finance Charges, or changing the method of computing the balance upon judicial forum located in the State of Utah (the “Acceptable Forums”). You agree
which Finance Charges are assessed. Prior written notice will be provided to you that the Acceptable Forums are convenient to you, and you hereby irrevocably: (a)
when required by applicable law. Changes may apply to both new and outstanding submit to the jurisdiction of the Acceptable Forums; (b) agree to be bound by any
balances. judgment rendered thereby in connection with this Agreement; and (c) waive any
and all objections to jurisdiction or venue that it may have under the laws of the
DEFAULT AND TERMINATION OF AGREEMENT State of Utah or otherwise in those courts in any such suit, action or proceeding.
Should such proceeding be initiated in any other forum, you hereby waive any right
You will be in default under this Agreement upon: (a) your failure to make at least
to oppose any motion or application made by us as a consequence of such
the minimum payment by the date specified on your statement; (b) your violation of
proceeding having been commenced in a forum other than an Acceptable Forum.
any other provision of this Agreement; (c) your death; (d) your becoming the subject
All terms and conditions of this Agreement, including but not limited to those
of bankruptcy or insolvency proceedings; (e) you or your property becoming the
provisions on Change of Terms, Choice of Law and Venue and all provisions
subject of attachment, foreclosure, repossession, lien, judgment or garnishment
addressing fees and charges hereunder, are deemed to be material to the
proceedings; (f ) your failure to supply us with any information we reasonably deem
determination of Finance Charges.
necessary; (g) your supplying us with misleading, false, incomplete or incorrect
information; (h) our receipt of information that you are unwilling or unable to
perform the terms or conditions of this Agreement; (i) our receipt of information PRIVACY PRACTICES
from third parties, including credit reporting agencies, which indicates a serious You agree that from time to time we may request, receive and exchange consumer
delinquency or charge-off with other creditors; or (j) your moving out of the U.S. reports or other credit information about you from others, such as stores, other
lenders, and credit reporting agencies, and that we may use this information to make
In the event of your default, your Account balance will continue to accrue Finance whatever credit investigations we deem necessary and appropriate or to use such
Charges at the Default Rate. Balances outstanding under this Agreement when your information for any purposes, subject to applicable law. Transportation Alliance
credit line is reduced or terminated will continue to accrue Finance Charges at the Bank maintains information about you and your Account. Subject to applicable law,
Default Rate until paid in full, and are subject to all the terms and conditions of this you authorize us to furnish information concerning your Account to consumer
Agreement. Upon default, we have the right to terminate or suspend your credit reporting agencies, or others, including but not limited to, any of our affiliates. You
privileges under this Agreement, to change the terms of your Account and this have the right to direct that we do not share application, credit report or other
Agreement, to require you to pay your entire Account balance including all accrued information with our affiliates. To exercise this right, you must notify us in writing
but unpaid charges immediately, and to sue you for what you owe. You will pay our at Transportation Alliance Bank, Cardholder Services, P.O. Box 150408, Ogden,
court costs, reasonable attorneys’ fees and other collection costs related to the Utah 84415-0408. Include your name and Account number on your notice.
default to the extent permitted by applicable law. Upon default, we will apply your
payments first to attorneys’ fees and then in the order set forth under Application of If you fail to fulfill the terms of your credit obligation, a negative report may be
Payments. We can cancel your Account, refuse to allow further transactions, or submitted to a credit reporting agency, which may reflect on your credit report. If
revoke your card at any time. you believe we have inaccurate information about you or have reported any
inaccurate information about you to a consumer reporting agency, you can notify us
CREDIT AUTHORIZATIONS at the address herein above. You agree that any government agency may release to
us your residence address, should it become necessary to locate you. You agree that
Some transactions will require our prior authorization and you may be asked to
our supervisory personnel may listen or tape telephone calls between you and our
provide identification. If our authorization system is not working, we may not be ble
representatives in order to better serve you and other Cardholders.
to authorize a transaction, even if you have sufficient available credit. We are not
responsible for any losses or other consequences if a transaction on your Account is
If you or a person issued an Additional Card on your Account authorize a third party
not approved for any reason, even if you have sufficient credit available. Except as
to bill any amounts on a recurring basis to your Account, we may, but are not
otherwise required by applicable law, we will not be responsible if any merchant
required to, provide such third party with your current Account Status, Card number
refuses to honor the Card or for any other problem you may have in connection with
and/ or expiration date to permit that third party to continue billing your Account.
the Card.
We may take such steps even if your Account number changes or if we issue a
renewal or replacement Card to you or any person issued an Additional Card. To
CLOSING YOUR ACCOUNT withdraw such authorization, you must notify the third party.
You can cancel or close your Account by writing to us at Transportation Alliance
Bank Inc., Cardholder Services, P.O. Box 150408, Ogden, Utah 84415-0408. Your
notice becomes effective within five (5) days after we receive it. If you cancel the
NOTICES
Any notice given by us shall be deemed given when deposited in the U.S. mail,
Account, you must immediately pay everything you owe us, including any amounts
postage prepaid, addressed to you at the latest Billing Address shown on our
owed but not yet billed to you. If you do not pay us immediately, outstanding
records.
balances will continue to accrue Finance Charges and other fees as set forth herein
in this Agreement. You also agree to return all Card(s), any Additional Cards and
Page 3 of 4 30007-0709 W
any unused transfer and/or convenience checks to us. We will not honor any transfer
UPDATED FINANCIAL AND OTHER INFORMATION Alliance Bank, Cardholder Services, P.O. Box 150408, Ogden, Utah 84415-0408 as
soon as possible. We must hear from you no later than sixty (60) days after we sent
Upon request, you agree to promptly give us accurate financial and other
you the first statement on which the error or problem appeared. You can telephone
information about yourself.
us, but doing so will not preserve your rights.
SEVERABILITY In your letter, give us the following information:
If any provision of this Agreement is finally determined to be void or unenforceable
under any law, rule, or regulation, all other provisions of this Agreement will remain Your name and last four digits of your Account number.
valid and enforceable.
The dollar amount of the suspected error.
WAIVER Describe the error and explain, if you can, why you believe there is an error. If you
Our failure to exercise any of our rights under this Agreement, our delay in
need more information, describe the item you are unsure about.
enforcing any of our rights, or our waiver or our rights on any occasion, shall not
constitute a waiver or such rights on any other occasion.
If you have authorized us to make payments to your Account automatically from
your savings, checking or other account, you can stop the payment on any amount
ASSIGNMENT OF ACCOUNT AND CLAIMS believed to have been paid in error. To stop the payment, your letter must reach us
We may sell, assign or transfer your Account or any portion thereof without notice three (3) business days before the automatic payment is scheduled to occur.
to you. Subject to the provisions set forth herein in this paragraph, you may not sell,
assign or transfer your Account and any such sale, assignment or transfer is void. In
the event you dispute a transaction and we credit your Account for all or part of such
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE
disputed transaction, we automatically succeed to, and you are automatically YOUR WRITTEN NOTICE
deemed to assign and transfer to us, any rights and claims, excluding tort claims, We must acknowledge your letter within thirty (30) days, unless we have corrected
that you have, had or may have against any third party for an amount equal to the the error by then. Within ninety (90) days, we must either correct the error or
amount we credited to your Account. After we make such credit, you agree that explain why we believe the statement was correct.
without our consent, you will not pursue any claim against or reimbursement from
such third party for the amount that we credited to your Account, and that you will After we receive your letter, we can not try to collect any amount you question, or
cooperate with us if we decide to pursue the third party for the amount credited. report you as delinquent. We can not continue to bill you for the amount you
question, including Finance Charges, and we can reduce any such amount from your
LIABILITY FOR UNAUTHORIZED USE available credit line. You do not have to pay any questioned amount while we are
investigating, but you are still obligated to pay the parts of your statement that are
You should keep your copies of your charge slips and verify that the charges on
not in question. If we find that we made a mistake on your statement, you will not
your statement are true and the amounts unaltered. Subject to the terms and
have to pay any Finance Charges related to the amount in error. If we did not make a
conditions set forth herein, you may be liable for the unauthorized use of your Card
mistake, you may have to pay Finance Charges, and you will have to make up any
up to a maximum of $50.00. Under MasterCard regulation, you may not be liable
missed payments on the questioned amount. In either case, we will send you a
for unauthorized use, if certain conditions are met. You will not be liable for
statement of the amount you owe and the date that it is due.
unauthorized use that occurs after you notify us of the loss, theft or possible
unauthorized use. You must notify us immediately upon learning of the loss, theft or
If you fail to pay the amount that we think you owe, we may report you as
possible unauthorized use by calling us at 1-888-275-0952 or writing us at
delinquent. However, if our explanation does not satisfy you and you write to us
Transportation Alliance Bank, Cardholder Services, P.O. Box 150408, Ogden, Utah
within ten (10) days telling us that you still question your statement, we must tell
84415-0408. Unauthorized use does not include use by a person to whom you have
anyone to whom we furnished your credit information to that you have a question
given the Card, a person to whom an Additional Cardholder has given authority to
about your statement and we must tell you the name of anyone to whom we gave
use the Account or any other person with authority to use the Account, and you will
this information. We must tell anyone we report to, that the matter has been settled
be liable for all use by such a user. To terminate this authority, you must retrieve the
between us when it finally is. If we do not follow these rules, we cannot collect the
Card from the previously authorized user and return it to us at the address above,
first Fifty Dollars ($50.00) of the questioned amount, even if your statement was
along with a letter explaining why you are doing so.
correct.
LOST OR STOLEN CREDIT CARD(S) AND/OR CHECKS SPECIAL RULE FOR CREDIT CARD PURCHASES
You agree to notify us immediately if your Card(s) or any transfer or convenience
If you have a problem with the quality of property or services that you purchased
checks are lost or stolen or any unauthorized transaction occurs on your account.
with the Card, and you have tried in good faith to correct the problem with the
You may notify us by calling 1-888-275-0952.
merchant, you may have the right not to pay the remaining amount due on the
property or services. There are two limitations on this right: (a) You must have
YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE made the purchase in your home state or, if not within your home state, within 100
This notice contains important information about your rights and our responsibilities miles of your current mailing address; and (b) The purchase price must have been
under the “Fair Credit Billing Act.” more than Fifty Dollars ($50.00). These limitations do not apply if we own or
operate the merchant, or if we mailed you the advertisement for the property or
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR services.
BILL
If you think your statement is wrong, or if you need more information about a
transaction on your statement, write us on a separate sheet of paper at Transportation Page 4 of 4 30007-0709 W
