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These Disclosures and Terms & Conditions are for informational purposes only.

If you are Pre-Qualified for a credit card offer, you will be provided with the actual Disclosures and Terms & Conditions of an offer.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new transactions)."

Variable Rate Information: For each billing cycle, the Purchase and Cash Advance APRs are determined by adding percentages to the Prime Rate. The Prime Rate used to determine the APRs is the U.S. Prime Rate appearing in the "Money Rates" section of any edition of The Wall Street Journal published on the 25th day of each month. If the Journalis not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. 


Future credit line increases may be granted based on your overall credit performance.

ANNUAL MEMBERSHIP FEE: An Annual Membership Fee of between $0 and $75 will be billed to your Account when opened. If your Account has an Annual Membership Fee, it is refundable as long as you cancel your Account and have not made any transactions. For some Accounts, the Annual Membership Fee for the second and subsequent years will be divided into 12 equal portions and one (1) portion will be billed each month of the applicable year. For other Accounts, the Annual Membership Fee for the second and subsequent years will be billed annually. 

ACCEPTANCE: The words "I," "me," "my," "you," and "your" mean the applicant. "Bank," "we," and "us" mean Audioman its successors or assigns. I certify that I am 18 years of age or older and that the information on this credit card application is accurate and given in order to obtain credit. If I am approved, my card(s) will be issued and I agree to pay all charges incurred in accordance with the terms and conditions of the Cardholder Agreement, Disclosure Statement and Arbitration Agreement ("Agreement"), which will be sent with my card. I understand that my Account will be subject to the terms and conditions of the Agreement, and that the Bank may change all terms and conditions of the Account upon notice to me in accordance with applicable law. I also acknowledge that the Account will be for personal use and cannot be used for business purposes.

ARBITRATION: You agree that either you or we may, without the other's consent, require that any dispute between you and us be submitted to mandatory, binding arbitration. Complete details will be in the Agreement sent with your card.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

ELIGIBILITY CRITERIA: You may not qualify for this offer if: 1) you no longer meet our criteria when your application is processed; 2) you have an open or unpaid Account or pending application; 3) the application is altered (other than the address) or not complete, accurate or verifiable; 4) you are a resident of a U.S. Territory; or 5) you have an APO/FPO address.

ACCESS TO CREDIT AND IDENTIFICATION INFORMATION: I authorize the Bank to obtain and use information about me from third parties and credit reporting agencies to: 1) verify my identity; 2) determine my income, debt and credit eligibility; 3) provide renewal of credit; and 4) present future offers, including extensions of credit. The Bank may retain such credit or other information whether or not I receive a card.

COMMUNICATIONS: 1) You are providing express written permission and consent authorizing us or our agents to contact you at any phone number (including mobile, cellular, wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us, or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification purposes; Account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information about special products and services. You understand that the Bank will not be responsible for any charges you incur for communications to any such numbers. 2) Indemnification: If you provide phone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys' fees, incurred as a result of us contacting or attempting to contact you at the number(s). 3) Revocation: If you do not want to receive communications as described above, you must provide us with written notice revoking your prior consent. Complete details will be in the Agreement sent with your card.

STATE NOTICES: Residents of California: A married person may apply for a separate Account. Residents of Maine, New York, and Vermont: A credit report may be obtained at any time for purposes associated with the Account such as reviewing, modifying, renewing, and collecting on your Account. Upon your request, you will be informed whether or not a credit report was ordered, and if it was, you will be given the name and address of the credit bureau that furnished the report. New York residents may contact the New York State Banking Department at 1-800-522-3330 to obtain a comparative listing of credit card rates, fees and grace periods. Residents of Ohio: Ohio laws against discrimination require that credit be equally available to all worthy persons and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Married Residents of Wisconsin: No provision of any marital property agreement, unilateral statement under Wisconsin Statutes 766.59, or court decree under Wisconsin Statutes 766.70, will adversely affect the interest of us unless, prior to the time the credit is granted, we are furnished with a copy of the agreement, statement or decree or have actual knowledge of the adverse obligation before the requested credit is granted. All obligations on this card Account will be incurred in the interest of your marriage or family. You understand that we may be required to give notice of this Account to your spouse. 

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