Terms & Conditions

DSRM National Bank
Credit Card Agreement - Terms and Conditions
Customer Service Mailing Address: Credit Card Center, PO Box 631, Amarillo, TX 79105-0631
Customer Service Telephone: 1-800-333-3560

Annual percentage rates (APR) for purchases	16.99%
Other APRs	24.99% default APR *
Variable-rate information	Your APR may vary. Your APR is determined by adding 11.99% to the Prime Rate The default APR is determined by adding 19.99% to the Prime Rate
Grace period for repayment of balances for purchases	Not less than 20 days
Method of computing balance for purchases	Average Daily Balance (including new purchases)
Annual fees	None
Minimum finance charge	$0.50
Late Payment Fee	$15 (if New Balance > $10 and < $50) $20 (if New Balance >= $50 and < $150) $29 (if New Balance > = $150)

* The default APR applies if you fail to make two minimum monthly payments by the Payment Due Date during the last twelve-month period. The standard APR rate is restored when your Account reflects that during the last twelve months you have fewer than two minimum monthly payments not received by the Payment Due Date.

** The Prime Rate used to determine the APR for a billing cycle will be the Prime Rate published in The Wall Street Journal on the 15th day of each month. The new APR will apply to your Account beginning on the first day of the billing cycle of your Account that has a closing date on or after the first day of the next calendar month after the date on which the new APR was calculated.

The information about the cost of the Account described in this table is accurate as of 07/08 . This information may have changed after that date. To find out what may have changed, call us at 1-800-495-3998 or write us at PO Box 93440 Albuquerque, NM 87199-3440.

Definitions. In this Credit Card Agreement – Terms and Conditions ("Agreement"), the words "we", "us", "our" and "DSRM National Bank" mean DSRM National Bank, a national credit card bank located in Albuquerque, New Mexico. "You" and "Your" mean the person who applies for, requests or accepts the Card or Cards issued on the Account. "Account" means your DSRM National Bank credit card account, which is owned by us and governed by this Agreement. "Card" or "Cards" means the Valero Regular Credit Card(s), Valero-Beacon Regular Credit Card(s), Diamond Shamrock Regular Credit Card(s), Ultramar-Beacon Credit Card(s), or Preferred Gold Card(s) issued to you by DSRM National Bank in connection with your Account. A Preferred Gold Card is issued to the person(s) who applies for or accepts the Preferred Gold Account. Definitions of additional terms are contained in other paragraphs of this Agreement.

Acceptance of the Terms of this Agreement. You will be bound by the terms of this Agreement when you apply for and receive, or sign, or use, or permit another to use, your Cards or Account number. You must sign each Card issued to you before you use it. If you do not wish to be bound by the terms and conditions of this Agreement, do not use the Card or authorize another person to use it. Instead, cut all of the Cards in two and return them to us. You may designate one "Additional User" to your Account by contacting us at 1-800-333-3560 and providing us with such designation. Unless you tell us otherwise, an Additional User may assist in administration of your Account and credit information regarding your Account may be reported to credit reporting agencies in the name of the Additional User.

Use of Your Cards. You may use your Cards to make charges for fuel, merchandise, services, and other permissible items ("Purchases") at Valero, Diamond Shamrock, Beacon, or Shamrock stores or other retailers that accept the DSRM National Bank credit card(s).

Preferred Gold "Annual Fees". If you have been issued a DSRM National Bank Preferred Gold Card, you will be assessed an Annual Fee of $10. All other cards have no Annual Fee.

Extension of Credit; Agreement to Pay. When you use your Card, or permit someone else to do so, you thereby promise to pay all charges made with your Card, along with all related FINANCE CHARGES and other fees accruing under this Agreement, in conformity to the terms of this Agreement. We may at any time suspend or terminate your Account, or a Card issued on your Account, as to any future use of your Account or Card.

Loyalty Program - Rebate on Preferred Gold Card Purchases. The holder of a DSRM National Bank Preferred Gold Card in good standing at the time the Account is billed will be entitled to a rebate on fuel purchases made on the Account for that billing period, as follows:
                $.01/gallon for Diesel
                $.01/gallon for Regular Unleaded Gasoline
                $.015/gallon for Mid-Grade Unleaded Gasoline
                $.02/gallon for Super Unleaded Gasoline
The rebate will be paid to you, at your option, in the form of a monthly credit applied against your Account balance, or in the form of a yearly check mailed to the address shown on your Account at the time the check is mailed. We will be entitled to offset amounts payable by check against amounts due on your Account if your Account is not in good standing. We can terminate this rebate program at any time. If we terminate the rebate program, we will pay you any accrued rebate and refund a pro-rated portion of your Annual Fee for the period of the year after the program is terminated (if any). Your Account is in "good standing" for these purposes if, at the billing date, there are no overdue payments on your Account, and your Account has not been closed to new Purchases.

Repayment; Minimum Payment Due Each Billing Cycle. You promise to pay us the amounts of all credit you obtain (including all Purchases), all fees and charges we assess against your Account and all FINANCE CHARGES as provided in this Agreement. You agree to make your payments in the amounts and at the times provided in this Agreement.

We will provide a "Monthly Statement" of your Account at approximately monthly intervals if there has been activity on your Account, or there is a balance (credit or debit) in your Account exceeding $1, unless we deem your Account to be uncollectible, or we have instituted delinquency collection procedures, or furnishing the statement would violate federal law. You may pay any amount up to the entire unpaid balance (the "New Balance") of your Account at any time. You must pay each billing cycle at least the Minimum Payment amount shown on your Monthly Statement by the Payment Due Date shown on the Monthly Statement. The Minimum Payment due each billing cycle is the greater of (1) the sum of: (a) all past due amounts plus (b) 1/6th (one sixth) of the New Balance of your Account at the end of the billing cycle plus (c) the amount of any Annual Fees, other Account fees, fees for credit card protection services, insurance premiums, and membership programs plus (d) installments for mail, telephone, or electronic merchandise/services orders as provided in the terms for such orders, plus (e) FINANCE CHARGES posted to your Account during the billing cycle, or (2) $20 (or the entire New Balance if less than $20). We will also include in your Minimum Payment any part of the New Balance in excess of your GasCap® Credit Limit. The Payment Due Date will be at least 20 days after the Closing Date shown on your Monthly Statement. The Minimum Payment due will never be more than the New Balance.

If you overpay, or if a credit balance is otherwise created in your Account, we will not pay interest on such amounts. Mail your payment made in U.S. dollars, accompanied by the payment remittance stub, using the envelope enclosed with your Monthly Statement or to the payment address provided, and following all other instructions on your Monthly Statement. The crediting of payments sent to any location other than the payment address or received in any other manner may be delayed. Except for address changes on the back of the Monthly Statement payment remittance stub, do not send correspondence of any type to the payment address. For inquiries about your Account, please call us toll-free at 1-800-333-3560 or write to us at PO Box 631, Amarillo, TX 79105-0631.

Your payments will be allocated among the charges on your Account in the manner we determine, without regard to any contrary instructions from you. In most instances, we will allocate your payments to balances (including new transactions) with lower APRs before balances with higher APRs. This will result in new balances with a lower rate of interest being paid before any other existing balances. Even though your payment may be credited to your Account in the billing cycle in which the payment is received, your available credit may not be increased by the amount of the payment until your payment has cleared.

If you pay more than the Minimum Payment, we will apply the excess payment amount to reduce your total outstanding balance, and you will continue to be obligated to make any Minimum Payment in succeeding billing cycles.

If you post-date a check for payment, we may process the check immediately upon receipt or return it unpaid, at our election, without in either case waiting until the date shown on the check. We are not liable to you for any loss or expense incurred by you arising out of the action we elect to take.

If your check is processed by us non-electronically and is returned to us for insufficient funds or dishonored for any reason, we may re-present the returned check electronically.

We can refuse to accept payments not denominated in U.S. dollars or not drawn on a domestic office of a U.S. bank. We will charge a Returned Payment Fee, as described in “Account Fees and Charges” below.

Authorization To Convert Your Check. If you send us a check to make your payment, you authorize us either to use information from your check to make a one-time electronic funds transfer from your financial institution or to process the payment as a check transaction. "Electronic Fund Transfer" or "EFT" is the term used to refer to the process by which we electronically instruct your financial institution to transfer funds from your financial institution for the same amount as the check. When we use information from your check to make an EFT, funds may be withdrawn from your financial institution as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. You authorize us to collect a fee of $25 through an EFT from your financial institution if your payment is returned unpaid. We retain an image of your electronically processed check to the extent required by applicable law. If the EFT cannot be processed for technical reasons, you authorize us to process the copy of your check. If you have questions about this or other payment options, or do not want your payments collected electronically, please call our Customer Service Center at 1-800-333-3560.

Your GasCap® Credit Limit. We will establish a credit limit for your Account from time to time. Your GasCap® Credit Limit will be shown on the initial Card mailer and on each Monthly Statement of your Account. The total amount of credit outstanding on your Account at any time must not be more than your then current GasCap® Credit Limit. We may change your GasCap® Credit Limit from time to time. We will attempt to notify you if we do. If we accept a payment for an amount in excess of your outstanding balance, your available GasCap® Credit Limit will not be increased by the amount of such overpayment nor shall we be required to authorize transactions for an amount in excess of your assigned GasCap® Credit Limit. You may request an increase to your GasCap® Credit Limit by calling 1-800-333-3560 or writing to PO Box 631, Amarillo, TX 79105-0631.

Exceeding Your GasCap® Credit Limit. If you request credit in any form which, if granted, would cause your total outstanding balance (including, authorized transactions not yet posted to your Account) to exceed your GasCap® Credit Limit we establish for your Account, whether or not such balances before the request were more than the respective GasCap ® Credit Limit, we may, at our election: (1) honor the request without permanently increasing your GasCap® Credit Limit; (2) honor the request and treat the amount which is more than your GasCap® Credit Limit as immediately due; or (3) refuse to honor the request. If we have previously honored requests for credit in excess of your GasCap® Credit Limit, that does not mean that we will honor further over-limit requests.

FINANCE CHARGES.

When Periodic Rate FINANCE CHARGES Begin to Accrue: Periodic rate FINANCE CHARGES will accrue daily on Purchases from the date that the transaction was posted until the date each Purchase is completely repaid according to the payment allocation method then in effect. However, periodic rate FINANCE CHARGES will not accrue during the current billing cycle if the New Balance, if any, shown on the Monthly Statement for the previous billing cycle was a credit balance or zero or was paid in full by its Payment Due Date.

Periodic Rates of the FINANCE CHARGE: The manner in which we determine the periodic rates that apply to your Account are described below. The periodic rates and corresponding ANNUAL PERCENTAGE RATES currently in effect are: Periodic rate for Standard pricing rate 1.4158% (corresponding ANNUAL PERCENTAGE RATE 16.99%); Periodic rate for default pricing rate 2.0825% (corresponding ANNUAL PERCENTAGE RATE 24.99%).

(a) Rate of FINANCE CHARGE on Purchases: With respect to all Purchases:

(1) Standard Pricing Rate. The monthly periodic rate we use to compute the FINANCE CHARGE on all Purchases is a variable rate which is 1/12th of the sum of the Prime Rate plus 11.99%. The corresponding ANNUAL PERCENTAGE RATE is the Prime Rate plus 11.99%. See above for the current Standard Pricing Rate of FINANCE CHARGE and corresponding ANNUAL PERCENTAGE RATE. We use the Standard Pricing Rate unless the Default Pricing Rate applies.

(2) Default Pricing Rate. If during the last twelve-month period, you fail to make two minimum monthly payments by the Payment Due Date, the Default Pricing Rate will apply to your Account (including existing balances) effective with the first day of the next billing cycle of your Account, and the monthly periodic rate we use to compute the FINANCE CHARGE on Purchases will be a variable rate which is 1/12th of the Prime Rate plus 19.99%. The corresponding ANNUAL PERCENTAGE RATE is the Prime Rate plus 19.99%. See above for the current Default Pricing Rate of FINANCE CHARGE and corresponding ANNUAL PERCENTAGE RATE.

At the beginning of each billing cycle, we look at the payments made on your Account during the last twelve billing cycles. If you failed to make the minimum monthly payments by the Payment Due Date during two or more billing cycles in the last twelve-month period, your Account will remain on the Default Pricing Rate. But if you made the minimum monthly payment by the Payment Due Date in every billing cycle, or only failed to do so once, during the last twelve-month period, then we will return your Account (including existing balances) to the Standard Pricing Rate. The change will be effective with the first day of the next billing cycle of your Account.

(b) Variable Rates of the FINANCE CHARGE: The periodic rates and ANNUAL PERCENTAGE RATES under subparagraph (a) above are variable rates based on the Prime Rate published in the "Money Rates" table in The Wall Street Journal. The rates of the FINANCE CHARGE under this Agreement will increase if the Prime Rate increases. The effect of an increase in the Prime Rate will be an increase in the amount of the FINANCE CHARGE and the Minimum Payment due under this Agreement. We will calculate variable ANNUAL PERCENTAGE RATES every billing cycle, based on the Prime Rate published in the "Money Rates" table in The Wall Street Journal on the 15th day of each month. If two or more Prime Rates are published on that day, the highest of those rates will be used to calculate the rates of the FINANCE CHARGE under this Agreement. If the 15th day of the month is a day on which The Wall Street Journal was not published, the previous business day on which The Wall Street Journal was published will be used. If The Wall Street Journal ceases publication, or no longer publishes the prime rate, or changes the manner by which its prime rate is determined, we may select another comparable index of short-term interest rates to be the "Prime Rate" under this Agreement. The new ANNUAL PERCENTAGE RATES, and the new corresponding periodic rates, will apply to your Account beginning on the first day of the billing cycle of your Account that has a closing date on or after the first day of the next calendar month after the date on which the new ANNUAL PERCENTAGE RATES were calculated, and will continue to apply until new ANNUAL PERCENTAGE RATES and the corresponding monthly periodic rates are calculated and have become effective in the manner described in this paragraph. The new ANNUAL PERCENTAGE RATES and the corresponding new monthly periodic rates may apply retroactively to the first day of the billing cycle, and transactions that occurred during the billing cycle both prior to and after the date the new ANNUAL PERCENTAGE RATES were calculated may be subject to the new variable ANNUAL PERCENTAGE RATES and the corresponding new monthly periodic rates for the entire billing cycle.

Calculating the Average Daily Balances: To get the "average daily balance" of your Account, we take the beginning balance of your Account each day, add any new Purchases, and subtract any Payments and Credits applied to that type of transaction under the payment allocation method then in effect. This gives us the daily balance. (Credit balances are treated as zero for purposes of calculating the daily balances.) Then, we add all of the daily balances for the billing cycle and divide the respective totals by the number of days in the billing cycle. This gives us the "average daily balance" for your Account. We do not include the following in your daily balance: (1) unpaid FINANCE CHARGES, or (2) mail, telephone, or electronic merchandise order installments (which are governed by the terms set forth with such mail, telephone, or electronic merchandise order). We add all other fees and insurance charges to your daily balance on the day on which such fees or charges post to your Account and, if earlier, we add the accrued portion of such other fees and insurance charges to your balance on the day that your Account is closed.

Calculating the FINANCE CHARGE: We figure the FINANCE CHARGE on Purchases charged to your Account by multiplying the "average daily balance" of your Account by the applicable monthly periodic rate. If the FINANCE CHARGE calculated in this manner is more than zero but less than $0.50, a minimum monthly FINANCE CHARGE of $0.50 will be charged to your Account. We may, at our election, waive the FINANCE CHARGE on small account balances.

Account Fees and Charges; Late Payment Fee. The following fees will be charged to your Account and added to the Purchase balance in the billing cycle in which the charges are incurred:

(a) if we do not receive payment in an amount at least equal to the Minimum Payment due shown on the Monthly Statement of your Account by the Payment Due Date shown on the Monthly Statement, and in accordance with our payment directions, and if the New Balance shown on the Monthly Statement is greater than $10, a Late Payment Fee applies according to the following:

i) if the New Balance is greater than $10 but less than $50, a Late Payment Fee of $15 will be charged to your Account;
ii) if the New Balance is equal to or greater than $50 but less than $150, a Late Payment Fee of $20 will be charged to your Account; and
iii) if the New Balance is equal to or greater than $150, a Late Payment Fee of $29 will be charged to your Account;

(b) a Returned Payment Fee of $25 if a check, draft, or other payment authorization, including any electronic payment, you provide us as a payment on your Account is returned for insufficient funds or for any other reason;
(c) a Statement Reprint Fee of $5 for each copy of a Monthly Statement you request (two copies may be requested each 12 months without charge); and
(d) a Copy Fee of $5 for each copy of a sales draft you request. (If it is determined that a billing error occurred involving the requested Monthly Statement or sales draft, the charge will be waived or reversed.)

We may elect to waive these fees at our sole discretion.

Unless prohibited by applicable law, we may charge your Account, as a Purchase, the amount of any costs we incur in complying with state abandoned or unclaimed property laws with regard to your Account.

Change of Terms. We may add, delete, or change the terms of this Agreement (“Change”) at any time, including an increase in the ANNUAL PERCENTAGE RATES or fees. We will give you notice of a Change as required by law. To the extent permitted by law, a Change may apply to all amounts outstanding on your Account at the time the changes go into effect.

Our Right to Require Immediate Payment.

We may require immediate payment of all amounts you owe us without notice or demand if:

(1) you fail to pay any amount owed under this Agreement exactly when due; or
(2) you exceed your credit limit; or
(3) you fail to abide by any other term of this Agreement; or
(4) you default on any other credit obligation you have with us; or
(5) your ability to pay us is materially impaired (including, without limitation, if you file or have filed against you as debtor a proceeding under any chapter of the Bankruptcy Code); or
(6) you die or become legally incompetent.

Collection Costs. If you are in default, unless prohibited by applicable law, you also must pay us or reimburse us for all costs and disbursements, including reasonable attorney’s fees, incurred by us in legal proceedings (including bankruptcy proceedings) to collect or enforce the debt.

Authorized Use of Your Card by Others. If you permit any person to have access to your Card or Account number with the authorization to make a charge, or if you request us to issue a Card on your Account to another person, you will be liable for all charges made by that person, including charges you may not have intended that person to make. You will be liable until you both (1) request that we cancel the Card that we issued to that person, and (2) return that Card to us.

Lost or Stolen Cards. You may be liable for the unauthorized use of your Card. If any of your Cards are lost or stolen, or if they are being used by an unauthorized person, you must immediately notify us by telephone at 1-800-333-3560 or 1-806-324-4601, or in writing by sending a letter addressed to us at PO Box 631, Amarillo, TX 79105-0631. You will not be liable for unauthorized use that occurs after your notify us at these telephone numbers or address, orally or in writing, of the loss, theft, or possible unauthorized use. In any case, your liability will not exceed $50. You agree to give us your full cooperation in our efforts to recover stolen Cards and amounts due from unauthorized users and in prosecuting unauthorized users.

Certain Limitations on Use of Your Card. Your Account is a consumer credit account. You must not use your Card primarily for business or commercial purposes. You must not use your Card for any unlawful purpose or in any illegal transaction.

Assignment. You agree that we may at any time assign your Account, any sums due on your Account, this Agreement, or any of our rights or obligations under this Agreement to another person or entity without your consent or notice to you. The person or entity to whom we make any such assignment shall be entitled to all of our rights under this Agreement, to the extent assigned. You may not assign your rights under this Agreement.

Change of Name or Mailing Address. You must notify us immediately of any change of your name or mailing address from that shown on your latest Monthly Statement. The back of your Monthly Statement contains a form you may use for address changes or you may call us at 1-800-333-3560. Name change requests must be submitted in writing to PO Box 631, Amarillo, TX 79105-0631.

Call Monitoring. You consent to and authorize us, any of our affiliates, and our marketing associates to monitor and/or record (unless prohibited by law) any of your telephone conversations with our representatives or the representatives of any of such companies.

Credit Information. You agree that we may make credit inquiries about you, and may furnish information relating to this Account in response to credit inquiries from others and to credit reporting agencies. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report and the credit report of your Additional User. If you believe that any information we may furnish to a consumer reporting agency about you or your Account is inaccurate, please write us at PO Box 631, Amarillo, TX 79105-0631.

Information Gathering and Sharing. Please refer to the DSRM National Bank "Notice of Privacy Policy" for our policies on collecting, using, securing, and sharing nonpublic personal information. Additional copies of our "Notice of Privacy Policy" are available by calling us toll-free at 1-800-333-3560.

Severability; No Waivers. If any part of this Agreement is found to be invalid, the rest remains effective, except as specifically set forth in the Binding Arbitration Provision, below. Any failure or delay by us in exercising any of our rights or remedies under this Agreement or under applicable law does not mean that we will not be permitted to exercise those rights or remedies later. We may accept late payments or partial payments without losing any of our rights or remedies.

Governing Law. This Agreement and your Account are governed by federal law and, to the extent that state law applies, by the laws of the State of New Mexico, without regard to its conflict of laws principles.

BINDING ARBITRATION PROVISION—YOU SHOULD READ THIS SECTION CAREFULLY. Any claim, dispute, or controversy (whether based on contract, tort, statute, or otherwise, and whether seeking monetary or any form of non-monetary relief) arising from or relating to your Account, any prior account, or the relationship between you and us (collectively, “Claims”), upon the election of you or us, will be resolved by binding arbitration pursuant to this Arbitration Provision and the Code of Procedure (“NAF Rules”) of the National Arbitration Forum (“NAF”) in effect when the Claim is filed.

For purposes of this Arbitration Provision, the terms “we”, “us”, and “our” mean (1) DSRM National Bank, any servicer or subsequent holder of your Account or the amounts due under your Account, and all of their respective parents, subsidiaries, affiliates, predecessors, successors, assigns, agents, employees, officers, and directors, and (2) any store or establishment that honors your Card. The term “Claims” is to be given its broadest possible meaning, and includes pre-existing, present, and future Claims, and Claims regarding the enforceability or scope of this Arbitration Provision. A party who has asserted a claim in a lawsuit in court may elect arbitration with respect to any Claim(s) subsequently asserted in that lawsuit by any other party.

IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU OR WE WILL HAVE THE RIGHT TO LITIGATE IN COURT THE CLAIM BEING ARBITRATED, OR TO ENGAGE IN PRE-ARBITRATION DISCOVERY EXCEPT AS PROVIDED IN THE NAF RULES. IN ADDITION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER IN ANY CLASS ACTION, REPRESENTATIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR SIMILAR ACTION RELATING TO ANY CLAIM SUBJECT TO ARBITRATION. YOU WILL NOT BE PERMITTED TO JOIN OR CONSOLIDATE YOUR CLAIMS WITH THOSE OF ANY OTHER PERSON (EXCEPT A JOINT APPLICANT OR CARDHOLDER OF THE SAME ACCOUNT). THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. OTHER RIGHTS AVAILABLE TO YOU IN COURT MAY NOT BE AVAILABLE IN ARBITRATION. YOU EXPRESSLY WAIVE YOUR RIGHT TO A JURY TRIAL FOR ALL CLAIMS BEING ARBITRATED.

You can obtain the NAF Rules and forms by calling the NAF at 1-800-474-2371, by visiting the NAF’s website at www.arb-forum.org or by writing to the NAF at PO Box 50191, Minneapolis, MN 55405. All Claims must be filed at an NAF office or at PO Box 50191, Minneapolis, MN 55405. Any arbitration hearing, if one is held, will be held in the federal judicial district where you live. At your written request, we will pay up to $1,000 toward the filing, administrative and/or hearing fees for any Claim you may file against us. We will also consider your written request to pay any other fees for arbitration, and you may be able to seek a fee reduction or waiver from the NAF. If the arbitrator issues an award in our favor, you will not be required to reimburse us for any of the fees we have previously paid to the administrator or for which we are responsible. If the arbitrator issues an award in your favor, we will reimburse you for any of the fees you have previously paid to the administrator. Each party will bear the expense of its respective attorneys’, experts’, and witness fees, regardless of which party prevails in the arbitration, unless applicable law gives you the right to recover any of those fees from us. The arbitrator will not have the power to conduct any proceeding as a class action, representative action, private attorney general action, or similar action. The arbitrator will have the power to decide only your and our Claims against each other, and will not have the power to join other parties or consolidate other Claims with the Claims between you and us; provided, however, that joint applicants or cardholders of the same Account may be joined in a single proceeding.

This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and will be governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. § 1 et seq., as amended, notwithstanding any choice-of-law provision in the Agreement. The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations and will honor claims of privilege recognized at law. At the request of either party prior to entry of an award, the arbitrator will provide a written explanation of the basis for the award. Judgment upon any arbitration award may be entered and enforced, including without limitation by garnishment, attachment, foreclosure or other post-judgment remedies, in any court having jurisdiction. The arbitrator’s decision will be final and binding, except for any right of court review provided by the FAA or state law, if applicable.

This Arbitration Provision will survive payment or transfer of the Account or the termination of this Agreement or the relationship between you and us, or the bankruptcy of either you or us. If any portion of this Arbitration Provision is deemed invalid or unenforceable, it will not invalidate the remaining portions of this Arbitration Provision. However, if the provision precluding the arbitrator from having the power to conduct any proceeding as a class action, representative action, private attorney general action, or similar action is deemed invalid or unenforceable, then this entire Arbitration Provision shall be deemed unenforceable. If a conflict or inconsistency arises between the NAF Rules and this Arbitration Provision, this Arbitration Provision will control.

YOUR BILLING RIGHTS. KEEP THIS NOTICE FOR FUTURE USE.
This notice contains important information about your rights and your responsibilities under the Fair Credit Billing Act.

NOTIFY US 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 at PO Box 631, Amarillo, TX 79105-0631. Write to us 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, 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 (also the transaction date and invoice number if applicable).

· 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.

If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur.

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE.
1. We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct.
2. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including FINANCE CHARGES, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.
3. If we find that we made a mistake on your bill, you will not have to pay any FINANCE CHARGES related to any questioned amount. If we didn't make a mistake, you may have to pay FINANCE CHARGES, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due.
4. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is.
5. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct.

SPECIAL RULES FOR CREDIT CARD PURCHASES.
If you have a problem with the quality of property or services that you purchased with a credit card, 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 property or services.
There are two limitations on this right:
(a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and,
(b) The purchase price must have been more than $50.
These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement, or court order applying to marital property will adversely affect DSRM National Bank interests unless prior to the time credit is granted, DSRM National Bank is furnished with a copy of the agreement, statement or court order, or DSRM National Bank has actual notice of the provision. Married Wisconsin residents must furnish the name and address of their spouse to DSRM National Bank at PO Box 631, Amarillo, TX 79105-0631.

Notice to New Jersey residents: Because certain provisions of this Agreement are subject to applicable laws, they may be void, unenforceable or inapplicable in some jurisdictions. All of these provisions, however, are valid, enforceable and applicable in New Jersey.

Read and Retain This Important Information

Revision 07/08