(B) UNIQUE CARD SERVICES™ SHOPPING CARDS ARE A LINE OF CREDIT THAT CAN BE USED BY AN ACCOUNT HOLDER TO SHOP EXCLUSIVELY AT OUR ONLINE SHOPPING WEBSITE. Note: If You select a fixed payment amount, the Company may still deduct from Your credit/debit account the Minimum Monthly Payment due if that amount due is greater than the amount You selected for Your fixed payment. The information may be changed after that date. This is an unsecured card for building credit, meaning the card issuer takes a risk by offering credit to individuals who may not pay off their debt. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. finder.com is a financial comparison and information service, not a bank or product provider, We cannot provide you with personal advice or recommendations. Upon Your request, You will be informed whether or not such a report was requested and, if so, the name and address of the agency that furnished this report. The Federal E-Sign Act (HR-1714) on Final Digital Signature provides that electronic signatures on documents hold equivalent legal status as traditional handwritten signatures. The Company, or its division, does not provide, for a fee, any advice or assistance in helping individuals obtain other forms of credit or improve their credit rating. MEMBERSHIP, APPLICATION AND ENROLLMENT FEES: There is no initial cost of Your Shopping Card membership. Furthermore, the card isn’t the best choice for building credit, as Horizon Card Services reports your payment history to only one major credit bureau. 32. Unique Card Services™ is an online merchandise shopping service. In the letter, the Cardholder should provide the following information: 1) The Cardholder’s name and Account number. We may receive compensation from our partners for placement of their products or services. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES. If You have any legal questions concerning Your rights or Your credit, You should contact an attorney. HOWEVER, IN THAT EVENT, WE SHALL HAVE THE RIGHT NOT TO RENEW YOUR MEMBERSHIP AT THE END OF THE MEMBERSHIP TERM. If the Cardholder fails to pay the amount that the Company thinks the Cardholder owes, the Company may report the Cardholder as delinquent. 3) A Description of the error and explanation of why the Cardholder believes there is an error. No Fees, No Credit Card Needed. If the Company doesn’t follow these rules, the Company cannot collect the first $50.00 of the questioned amount, even if the Cardholder’s bill was correct. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. NOTICE FOR MAINE RESIDENTS: The Company may request a Consumer Report in connection with Your request for a credit line increase or to be considered for some other UNIQUE CARD SERVICES™ product. In the event We are unable to capture the full amount from Your credit or debit card as You requested, We may, within 7 to 60 days, attempt to reprocess Your request for any amount up to the original processing amount. A DOWN PAYMENT IS REQUIRED FOR PURCHASES AT OUR WEBSITE OF 15% OF THE MERCHANDISE PORTION OF THE ORDER, PLUS SHIPPING AND PROCESSING FEES AND ANY APPLICABLE SALES TAX. If You believe Your bank account was fraudulently charged for the membership fee, Company will make every effort to aid in a resolution. 4. Input your current credit card balance and interest rate to calculate your potential savings. While we receive compensation when you click links to partners, they do not influence our content. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL DOWNLOADED, OBTAINED OR OTHERWISE ACCESSED THROUGH THE USE OF THE WEB SITE, THE SERVICES AND/OR YOUR ACCOUNT IS DONE AT YOUR OWN DISCRETION AND AT YOUR OWN RISK.