NATIONAL PLATINUM™ TERMS AND CONDITIONS

Welcome to the NATIONAL PLATINUM™ website located at www.nationalplatinum.com (the "Website"). By accessing and/or using the Website and/or our NATIONAL PLATINUM™ service (the "Service") you agree to comply with, and be bound by, the following terms and conditions (the "Agreement"). Please review this Agreement carefully. If you do not agree to this Agreement in its entirety, you are not authorized to use this Website and/or Service in any manner or form, whatsoever.

1. Acceptance of Agreement. You agree to the terms and conditions set forth in this Agreement with respect to your use of the Website and/or Service. This Agreement constitutes the entire agreement between you and NATIONAL PLATINUM™ and supersedes all prior or contemporaneous agreements, representations, warranties and/or understandings with respect to the Website, the Service and/or your Account, as defined herein below. We may amend this Agreement from time to time, in our sole discretion, without specific notice to you; provided, however, that: (a) any amendment or modification to the arbitration provisions, prohibition on class actions provisions or any other provisions applicable to dispute resolution (collectively, “Dispute Resolution Provisions”) shall not apply to any disputes incurred prior to the applicable amendment or modification; and (b) any amendment or modification to pricing and/or billing provisions (“Billing Provisions”) shall not apply to any charges incurred prior to the applicable amendment or modification. The latest Agreement will be posted on the Website, and you should review this Agreement prior to each use of the Website, the Service and/or your Account. By your continued use of the Website, the Service and/or your Account, you hereby agree to all the terms and conditions contained within the Agreement in effect at that time (other than with respect to disputes arising prior to the amendment or modification of the Dispute Resolution Provisions, or charges incurred prior to the amendment or modification of the Billing Provisions, which shall be governed by the Dispute Resolution Provisions and/or Billing Provisions then in effect at the time of the subject dispute or incurred charges, as applicable). Therefore, you should regularly check this page for updates and changes.

2. Disclaimers. NATIONAL PLATINUM™ IS NOT A CREDIT SERVICES ORGANIZATION, FINANCIAL OR BANKING INSTITUTION, NOR IS IT AFFILIATED WITH ANY CREDIT SERVICES ORGANIZATION, FINANCIAL OR BANKING INSTITUTION. NATIONAL PLATINUM™ IS NOT A CREDIT CARD AND THE NATIONAL PLATINUM™ ACCOUNT IS NOT A CREDIT CARD ACCOUNT. A NATIONAL PLATINUM™ ACCOUNT IS A LINE OF CREDIT THAT CAN BE USED BY AN ACCOUNT HOLDER TO SHOP EXCLUSIVELY AT OUR ONLINE SHOPPING WEBSITE. THERE ARE DOWN PAYMENT REQUIREMENTS FOR MOST PURCHASES AT OUR WEBSITE. NATIONAL PLATINUM™ DOES NOT FACILITATE, NOR PROVIDE ASSITANCE, IN OBTAINING CREDIT FROM ANY OTHER CREDIT-ISSUING ENTITIES. NATIONAL PLATINUM™ DOES NOT CHARGE AN ADVANCED FEE TO ESTABLISH CREDIT, NOR DOES NATIONAL PLATINUM™ ATTEMPT, OR CLAIM TO ATTEMPT, TO ESTABLISH, RE-ESTABLISH OR REPAIR ANY CUSTOMER CREDIT HISTORY. THERE IS A ONE TIME FEE OF $149.95 ASSOCIATED WITH THE ACCOUNT. IN ADDITION, THERE ARE MONTHLY ACCOUNT MAINTENANCE FEES OF $19.95 PER MONTH.

3. Additional Terms and Conditions for NATIONAL PLATINUM™ Accounts. The NATIONAL PLATINUM™ Service is an online merchandise shopping service. All purchase payments must be made through an associated NATIONAL PLATINUM™ charge account ("Account"). By obtaining an Account, you can make purchases of select items available at or through the Service. Accounts may be obtained by individuals eighteen (18) years of age or older, who possesses a valid and active U.S. checking or savings bank account. There are no credit checks, income requirements or employment requirements to obtain an Account. You do not need a social security number to obtain an Account and there are no residency requirements. U. S. citizenship is not required. There are also no restrictions applicable to those with past bankruptcy history.

ACCOUNTS: To obtain an Account, you must submit an application to NATIONAL PLATINUM™ to qualify for an Account. When you apply for an Account, you agree to provide accurate, current and complete information about yourself ("Application Data") as prompted by our application form. You also represent that we may rely on your submitted Application Data as accurate, current and complete. You agree to maintain and update your Application Data to keep it as accurate, current and complete as possible. NATIONAL PLATINUM™ reserves the right, in its sole discretion, to terminate your Account for inaccurate, untrue, deceptive and/or incomplete Application Data. In order to update your Application Data, please access and update your online profile. You understand that by submitting an application to NATIONAL PLATINUM™, you are not guaranteed to obtain an Account. NATIONAL PLATINUM™ reserves the right, in its sole discretion, to accept or reject any application for any reason, or for no reason, whatsoever.

If NATIONAL PLATINUM™ approves your application; you will receive an e-mail confirming your application approval and your associated username and password information ("Login") information. Once you receive this Login information, you may make immediate use of the Service.

HOW IT WORKS: Upon Account activation, you will receive a $10,000 line of credit to spend exclusively on purchases available through the Website. Your Account will not work at any other website and has no value other than at the Website. Due to the lack of restrictions associated with obtaining an Account, there are down payments required on most items. However, there are certain items available that require no down payment. If you have any questions, please contact us at: service@nationalplatinum.com.

DISCLOSURE OF COSTS, FEES AND RATES:
Creditor: NATIONAL PLATINUM™
Amount financed; itemization: Equal to the value of the Account holder's open balance
Finance charge: N/A
Annual percentage rate for purchases: 0.0%
Initial credit limit Increase Fee: No charge Variable-rate information: N/A
Grace period for repayment of balances for purchases: N/A
Method of computing the balance for purchases: N/A
Minimum finance charge: N/A
Transaction fee for purchases: N/A
Payment schedule: The payment schedule will vary depending upon the purchase cost of all goods purchased by the Account holder and the amount and frequency of payments. Account holder is required to make a specified minimum payment each month (in most cases, 10% of the outstanding balance)
Total of payments: Equal to the purchase cost of all goods purchased by the Account Holder
Total sale price: Equal to the purchase cost of all goods purchased by the Account Holder
Prepayment: No penalties for prepayment
Late payment fees: No charge
One Time enrollment fee: $149.95
Fee for returned checks or debits: $5.00
Monthly maintenance fee: $19.95 ($239.40 calculated on a yearly basis)

ACH DEBITS AND CREDIT CARD TRANSACTIONS: If any Automated Clearing House ("ACH") debit request or credit card transaction for a fee associated with your Account is returned due to non-sufficient funds available in your bank account, or rejected for invalid credit card information, as applicable, NATIONAL PLATINUM™ may attempt to collect the applicable fee by automatically resubmitting subsequent ACH debits to your bank or credit card authorization to your credit institution, as applicable. Any subsequent debit attempts or credit charges by NATIONAL PLATINUM™ will not exceed the original fee amount. Furthermore, you understand and agree that if NATIONAL PLATINUM™ is unable to obtain payment from your bank or credit institution, as applicable, NATIONAL PLATINUM™ reserves the right to immediately terminate your Account or reduce your available credit until a consistent payment history has been established.

DOWN PAYMENTS: You understand and agree that the use of your Account is fully subject to this Agreement. You understand that your Account is being issued with no credit check or investigation and, as a result of this, you will be required to make a down payment for most merchandise purchases (approximately 65% of the total cost, depending on the item, although higher down payments may be required). However, there are certain items available which require no down payment. All required down payments must be received in the form of a money order or cashier's check prior to our processing your merchandise order.

CREDIT LIMIT: Accounts begin with a credit limit of $10,000.

$2,500 SAVINGS CERTIFICATE: When your new Account is activated, NATIONAL PLATINUM™ will post a $2,500 credit to your Account. You may use this credit to pay against your charged credit balances for purchases at the Website. There is no time limit in which you must use this initial credit. You may use it all at once or over a period of time. The $2,500 Savings Certificate cannot be used to pay for any required down payments or for any purpose other than to pay for open balances on your Account. You understand and agree that this credit has no cash value and cannot be redeemed or withdrawn.

PURCHASES AND MONTHLY BILLING: You will be billed each month for charges made to your Account. Only Account holders that are in good standing may make purchases at the Website and receive additional Account holder benefits.

YOUR PROMISE TO PAY: You agree to pay at least the minimum payment amount shown on each monthly billing statement. All payments must be received on or before the due date indicated on the billing statement.

APPLICATION OF PAYMENTS RECEIVED: Payments received are always applied to any unpaid balance. Payments are applied toward purchases in the same order that they were made, older purchases first.

MINIMUM MONTHLY PAYMENT: The minimum monthly payment for any given month (as long as your account shows an outstanding balance) is the greater of: (a) ten percent (10%) of the account balance owed immediately following any purchase made to your account; or (b) Ten Dollars ($10.00). The minimum monthly payment does not automatically decrease as your account balance decreases. Notwithstanding the foregoing, should your new balance be less than $10.00, the minimum payment due will be the total amount of the new balance.

MONTHLY MAINTENANCE FEE: The monthly maintenance fee of Nineteen Dollars and Ninety-Five Cents ($19.95) is due each month beginning fifteen (15) days after your application date and will be automatically debited or charged from your bank account or credit card each month thereafter. You understand and agree that this fee will be deducted from your bank account or charged to your credit card each month until you cancel your Account and have paid off your balance in full. You acknowledge and agree that NATIONAL PLATINUM™ will not obtain additional authorization from you for each monthly installment of the monthly maintenance fee deducted from your account or charged to your credit card. You understand that even though you have cancelled your Account, as long as there is an outstanding balance on your Account, you will continue to have the monthly maintenance fee deducted from your bank account or charged to your credit card each month. The monthly maintenance fees will appear on your bank account statement or credit card bill through the identifier "Platinum Srvc."

DEFAULT: Your Account will be considered in default status if: (a) you fail to pay the minimum monthly payment when due; or (b) you breach any of the terms and conditions of this Agreement. If your Account is in default, in compliance with applicable law, NATIONAL PLATINUM™ may: (i) demand that you immediately pay the entire unpaid balance on your Account; (ii) apply monies received on subsequent purchases to any delinquent account balance owed; and/or (iii) proceed with legal action to collect any unpaid amounts.

REFUND POLICY: (PLEASE READ AND SAVE DO NOT ENROLL UNLESS YOU HAVE READ, UNDERSTAND AND AGREE TO ALL OF THE FOLLOWING POLICIES.

ENROLLMENT FEE REFUND POLICY: IMPORTANT! PLEASE READ! When you enroll, you are immediately sent an email confirming your enrollment and restating the fact that there will be a debit for the enrollment fee to your bank account using the information that you submitted and authorized. You may cancel your enrollment within sixty (60) days from the date displayed on your enrollment confirmation e-mail (“Rescission Period”) by calling us at 800-972-8094 between the hours of 9 A.M. and 5 P.M. (EST) Monday through Friday. We are closed on all banking holidays. If you cancel during the Rescission Period, your enrollment will be cancelled and you will either not be charged the enrollment fee or, if you were already charged the enrollment fee, that amount will be fully refunded. Further, you will be refunded any and all monthly maintenance fees charged to you during the Rescission period.  After the Rescission Period has expired, you may cancel your membership at any time and not incur any future charges. However, other than as set forth below with respect to the Monthly Maintenance Fee Refund Policy, any fees previously paid up to the date of cancellation or termination of your membership will not be refunded and you will remain liable for any and all unpaid charges already billed by NATIONAL PLATINUM™.

MONTHLY MAINTENANCE FEE REFUND POLICY: IMPORTANT! PLEASE READ! After the Rescission Period has expired, you may cancel your membership at any time and you will: (a) not incur future charges; and (b) receive a refund for the monthly maintenance fee charged to you for the month in which you cancel your membership, if you have already been charged a monthly maintenance fee for that month. However, other than as set forth in this section, and with respect to the Enrollment Fee Refund Policy set forth above, any fees previously paid up to the date of cancellation or termination of your membership will not be refunded and you will remain liable for any and all unpaid charges already billed by NATIONAL PLATINUM™.

FRAUD RESOLUTION: As a matter of policy, NATIONAL PLATINUM™ cooperates fully with all law enforcement agencies in the pursuit of fraud, including in connection with the unauthorized use of information to apply for NATIONAL PLATINUM™ membership. If you believe your account was fraudulently charged the enrollment fee, or any other amount, we will make every effort to aid in a resolution.

GOOD STANDING REQUIREMENT: You understand that you must maintain your Account in good standing by making at least the minimum monthly payments on time. If your Account is in default status, you understand that your Account privileges and benefits may be suspended and/or terminated until you have re-established a consistent pattern of on-time monthly minimum payments.

MEMBERSHIP CANCELLATION: If you wish to cancel your membership you may do so at any time by contacting us and making a cancellation request. This may be done by calling us at 800-972-8094 between the hours of 9 A.M. and 5 P.M. (EST) Monday through Friday. We are closed on all banking holidays. This request must be made by the account holder of record only and this information will be verified by us.

4. Authorized Use. The Website and Service are available only to individuals who can enter into legally binding contracts under applicable law. However, if you are under the age of eighteen (18), you do not have authorization to access or use the Website and/or Service in any manner whatsoever. If you are a Website visitor ("Visitor"), you may use the Website in order to obtain information about NATIONAL PLATINUM™ and the Service and to apply for a NATIONAL PLATINUM™ card account ("Account"). Visitors are not authorized to access any content and/or data available to those individuals that are Account holders. In addition, to apply for and obtain an Account, you must be at least 18 years old and have a valid and active U.S. checking or savings bank account. Notwithstanding the foregoing, the Service and Accounts are not available to Wisconsin or Vermont State residents.

5. License Grant. As a Visitor to the Website or an Account holder, you are granted a non-exclusive, non-transferable, revocable and limited license to access and use the Website (and its associated content), the Service and/or an Account in accordance with this Agreement. NATIONAL PLATINUM™ may terminate this license at any time for any reason. You may use the Website on one computer for your own personal, non-commercial use. No part of the Website, the Service and/or an Account may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical. You may not use, copy, emulate, clone, rent, lease, sell, modify, decompile, disassemble, reverse engineer or transfer the Website (and its associated content), the Service, your Account and/or any portion thereof. NATIONAL PLATINUM™ reserves any rights not explicitly granted in this Agreement. You may not use any device, software or routine to interfere or attempt to interfere with the proper working of the Website, the service and/or your Account. You may not take any action that imposes an unreasonable or disproportionately large load on the NATIONAL PLATINUM™ infrastructure.

Your right to use the Website, the Service and/or your Account including, without limitation, your Login, is non-transferable. Access to, and use of, your Account and the Service is made through your Login information. Your Login must be kept strictly confidential. For security reasons, NATIONAL PLATINUM™ will not release passwords for any reason, other than to the applicable Account holder, except as may be specifically required by law or court order. Unauthorized access to the Website, the Service and/or an Account is a breach of this Agreement and a violation of applicable law.

6. Proprietary Rights. The content, organization, graphics, design, compilation, magnetic translation, digital conversion, software and other matters related to the Website, the Service and/or your Account are protected under applicable copyrights, trademarks and other proprietary (including, without limitation, intellectual property) rights. The copying, redistribution and/or publication by you of any part of the Website, the Service and/or your Account is strictly prohibited. You do not acquire ownership rights to any content, document, software, service or other materials viewed at or through the Website, the Service and/or your Account. The posting of information or material at the Website and Service by NATIONAL PLATINUM™ does not constitute a waiver of any right in such information and/or materials.

7. Privacy Policy. Use of the Website, the Service and/or your Account is subject to our Privacy Policy, which is hereby incorporated into, and made part of, this Agreement. We reserve the right, and you authorize us, to use and assign all information regarding your Website, Service and Account use, and any and all other personal information provided by you, in any manner consistent with our Privacy Policy, which is hereby made a part of this Agreement.

8. Editing, Deleting and Modification. We reserve the right, in our sole discretion, to edit and/or delete any documents, information or other content appearing on the Website, the Service and/or your Account at anytime, without notice to you.

9. Indemnification. You agree to indemnify, defend and hold NATIONAL PLATINUM™, its owners, and each of their respective officers, partners, members, employees, agents and attorneys (each a "Covered Party"), harmless against any and all liabilities, claims, actions, suits, proceedings, judgments, fines, damages, costs, losses and expenses (including reasonable attorneys' fees, administrative costs and/or settlement costs) arising from your breach of this Agreement and/or your use of the Website, the Service and/or your Account, in any manner whatsoever.

10. Disclaimers and Limitations. THE WEBSITE, THE SERVICE, YOUR ACCOUNT AND ANY MERCHANDISE OBTAINED THROUGH THE SERVICE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED (INCLUDING, WITHOUT LIMITATION, THE DISCLAIMER OF ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND/OR FITNESS FOR A PARTICULAR PURPOSE). THE WEBSITE, THE SERVICE, YOUR ACCOUNT AND ANY MERCHANDISE OBTAINED THROUGH THE SERVICE MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. NATIONAL PLATINUM™ AND THE COVERED PARTIES HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF, OR INABILITY TO USE, THE WEBSITE, THE SERVICE, YOUR ACCOUNT AND ANY MERCHANDISE OBTAINED THROUGH THE SERVICE. IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, NATIONAL PLATINUM™ AND THE COVERED PARTIES ARE NOT LIABLE TO YOU AND/OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING

DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE NEGATION OF DAMAGES SET FORTH ABOVE IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN NATIONAL PLATINUM™ AND YOU. THE WEBSITE, THE SERVICE, YOUR ACCOUNT AND ANY MERCHANDISE OBTAINED THROUGH THE SERVICE WOULD NOT BE PROVIDED TO YOU WITHOUT SUCH LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH THE WEBSITE, THE SERVICE, YOUR ACCOUNT AND ANY MERCHANDISE OBTAINED THROUGH THE SERVICE SHALL CREATE ANY WARRANTY, REPRESENTATION AND/OR GUARANTEE NOT EXPRESSLY STATED IN THIS AGREEMENT.

ALL RESPONSIBILITY AND/OR LIABILITY FOR ANY DAMAGES CAUSED BY VIRUSES AND/OR WORMS CONTAINED WITHIN AN ELECTRONIC FILE AVAILABLE AT THE WEBSITE AND/OR THROUGH THE SERVICE IS DISCLAIMED. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL DOWNLOADED, OBTAINED OR OTHERWISE ACCESSED THROUGH THE USE OF THE WEBSITE, THE SERVICE AND/OR YOUR ACCOUNT IS DONE AT YOUR OWN DISCRETION AND AT YOUR OWN RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY AND ALL DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT MAY RESULT FROM THE DOWNLOADING OF ANY SUCH MATERIAL.

OUR MAXIMUM LIABILITY TO YOU UNDER ANY AND ALL CIRCUMSTANCES WILL BE EQUAL TO THE LOWEST PURCHASE PRICE THAT YOU HAVE PAID FOR ANY SINGLE PIECE OF MERCHANDISE AT THE WEBSITE AND/OR THROUGH THE SERVICE. NOTWITHSTANDING THE FOREGOING, MAXIMUM PLATINUM SHALL NOT BE LIABLE TO YOU FOR ANY SERVICE, GOODS OR INFORMATION AVAILABLE FROM THIRD PARTIES, EVEN IF OBTAINED AT OR THROUGH THE WEBSITE AND/OR SERVICE.

11. Third Party Websites. The Website may provide, and/or third parties may provide, links to other Internet websites and/or resources. Because NATIONAL PLATINUM™ has no control over such third party websites and/or resources, you hereby acknowledge and agree that NATIONAL PLATINUM™ is not responsible for the availability of such third party websites and/or resources. Furthermore, NATIONAL PLATINUM™ does not endorse, and is not responsible or liable for, any terms and conditions, privacy policies, content, advertising, products and/or other materials at or available from such third party websites or resources, or for any damages and/or losses arising there from.

12. Equipment. You shall be responsible for obtaining and maintaining all telephone, computer hardware and any other equipment needed to access and/or use the Website, the Service and/or your Account, as well as any and all charges related thereto.

13. Dispute Resolution Provisions. This Agreement shall be treated as though it were executed and performed in New York, New York and shall be governed by and construed in accordance with the laws of the State of New York (without regard to conflict of law principles). Should a dispute arise concerning the terms and conditions of this Agreement, or the breach of same by either party hereto, the parties agree to submit their dispute for resolution by arbitration before the American Arbitration Association in New York City, in accordance with the then current Commercial Arbitration Rules of the American Arbitration Association. Any award rendered shall be final and conclusive to the parties and a judgment thereon may be entered in any court of competent jurisdiction. Nothing herein shall be construed to preclude any party from seeking injunctive relief in order to protect its rights pending an outcome in arbitration. To the extent permitted by law, you agree that you will not bring, join or participate in any class action lawsuit as to any claim, dispute or controversy that you may have against NATIONAL PLATINUM™ and its employees, officers, directors, members, representatives and assigns.  You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit.  You agree to pay the attorney’s fees and court costs that NATIONAL PLATINUM™ incurs in seeking such relief.  This provision preventing you from bringing, joining or participating in class action lawsuits: (a) does not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above; and (b) is an independent agreement.

14. Miscellaneous.  Should any part of this Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that anything in or associated with the Website, the Service and/or your Account is in conflict or inconsistent with this Agreement, this Agreement shall take precedence. Our failure to enforce any provision of this Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision. The parties do not intend that any agency or partnership relationship be created through operation of this Agreement.

15. Exclusive Membership Benefits: Upon enrollment in the NATIONAL PLATINUM™ Service, you will receive access to exclusive membership benefits including the Universal Benefits Prescription Discount Program and Roadside Protect Program (the “Benefits Programs”). The Benefits Programs are offered and administered by NATIONAL PLATINUM’s™ third party service providers (“Third Party Providers”). Please be advised that NATIONAL PLATINUM™ does not itself provide, operate or administer the Benefits Programs, and the ultimate terms and conditions of any Benefits Programs will be determined by the applicable Third Party Providers. You understand and agree that NATIONAL PLATINUM™ is not responsible or liable in any manner whatsoever for your use of, or inability to use and/or qualify for, the Benefits Programs or other Third Party Provider sponsored products and/or services, or for any dispute between you and any Third Party Provider. For information about the Universal Benefits Prescription Discount Program, please Click Here For information about the Roadside Protect Program, please Click Here. You must be a member in good standing in order to access the Benefits Programs. You understand that if you cancel your membership, or if your Account is closed for any reason, you shall no longer be entitled to access the Benefits Programs.

ACKNOWLEDGMENT
I certify that I have read, understand and fully agree to all the terms and conditions contained in this Agreement. I certify that all the Application Data I supplied to NATIONAL PLATINUM™ is true, accurate and verifiable. The information concerning costs and fees associated with my Account is accurate as of today’s date. I understand that these costs and fees, and any other term associated with my Account, may change at anytime, in the sole discretion of NATIONAL PLATINUM™. I understand that my only recourse to any changes in terms is the cancellation of my Account in accordance with this Agreement.