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Exhibit 10.3 CREDIT CARD PROGRAM AGREEMENT BETWEEN THE BOSTON STORES, INC. AND HSBC BANK NEVADA, N.A. DATED AS OF JUNE 20, 2005 1 TABLE OF CONTENTS ARTICLE 1 DEFINITIONS.................................................................................
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How to Fill Out a Credit Card Program Agreement:

01
Begin by reading the credit card program agreement thoroughly. Understand the terms and conditions, fees, rewards, and any other important details outlined in the agreement.
02
Gather all the necessary information required to fill out the agreement. This may include your personal details, income information, employment details, and contact information.
03
Pay attention to any specific instructions provided in the agreement. Some agreements may require you to initial certain sections, provide additional documentation, or make specific choices regarding credit limits or rewards programs.
04
Use legible and accurate information while filling out the agreement. Double-check your name, address, and other personal details for any errors or misspellings.
05
If there are any blank spaces or sections in the agreement that are not applicable to you, make sure to indicate this by crossing them out or writing a "N/A" (Not Applicable) alongside it.
06
In case you have any questions or uncertainties while filling out the agreement, it is advisable to contact the credit card issuer or a customer service representative for assistance. They can provide clarification and guide you through the process.
07
Review the completed credit card program agreement once again to ensure all the necessary information has been provided accurately. Verify that you have not missed any required signatures or initials.
08
If required, make copies of the filled-out agreement for your records. It's always beneficial to have a copy for future reference and to keep track of the terms and conditions agreed upon.

Who Needs a Credit Card Program Agreement?

01
Individuals who are applying for a new credit card from a financial institution or bank will typically need to go through the process of filling out a credit card program agreement.
02
This agreement is also necessary for individuals who are upgrading their existing credit cards or changing their credit card programs.
03
Credit card program agreements are important for both consumers and businesses who are entering into a contractual relationship with the credit card issuer. The agreement sets out the rights and responsibilities of both parties, including payment terms, interest rates, fees, and rewards.
Overall, anyone who desires to obtain or alter a credit card program must complete a credit card program agreement in order to formalize the terms and conditions of the credit card usage.
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A credit card program agreement is a contract between a credit card issuer and a merchant that outlines the terms and conditions of accepting credit cards for payment.
Merchants who wish to accept credit cards for payment are required to file a credit card program agreement.
To fill out a credit card program agreement, merchants must provide their business information, agree to the terms and conditions set by the credit card issuer, and sign the agreement.
The purpose of a credit card program agreement is to establish the relationship between a credit card issuer and a merchant, detailing the rights and responsibilities of both parties.
The credit card program agreement must include the merchant's business details, the terms of accepting credit cards, any fees or charges, and compliance with card network rules.
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