b'02/17\nMOO CMA-2\n\nCardmember\nAgreement\nCARDMEMBER AGREEMENT\nThis Cardmember Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d), which includes your Card carrier\nand Welcome Letter, is your contract with us and governs the use of your Card\nand Account. The Welcome Letter contains important account information,\nincluding your annual percentage rates. Please read and keep these documents\nfor your records.\nYou agree to use your Account in accordance with this Agreement. This\nAgreement is binding on you unless you have not used or authorized\nuse of the Card. You must pay us for all amounts due on your Account\nas specified in this Agreement. Your Account must only be used for\nlawful transactions.\nDEFINITIONS\nWe, us, and our: TMG Financial Services, Inc., the issuer of your Mutual of\nOmaha Bank credit Card Account.\nYou, your, and yours: the person who applied to open the Account and any other\nperson responsible for complying with\nthis Agreement, including the person to whom we address the billing statements.\nAccount: the relationship established between you and us by this Agreement.\nAPR: annual percentage rate.\nBalance Transfer: the transfer of outstanding balances by you to your Account\nfrom credit accounts issued by persons other than us. A Balance Transfer may\nonly be completed in a method authorized by us, which may include through a\ncheck issued by us.\nCard: one or more Cards or other Account access devices, including Convenience\nChecks and Account numbers that we issue to you to obtain credit under this\nCardmember Agreement.\nCash Advance: an advance that is charged to your Account with or in connection\nwith the Card, including obtaining funds through an automated teller machine\n(ATM), banking site or financial institution; making a wire transfer; obtaining a\nmoney order, traveler\xe2\x80\x99s check, lottery ticket, casino chip or similar item; writing a\nCheck, drawn on your Account, to yourself or as cash; or engaging in a\nsimilar transaction.\nConvenience Check(s): a draft that looks like other checks, but is issued by us and\ndrawn on credit available in your Account. For purposes of this Agreement and\nother communications with you, we may refer to these as Convenience Checks,\nBalance Transfer checks, Balance Consolidation checks, or by other means as\ndescribed in offers or communications to you.\nPurchase: a Purchase is the use of your Card or Account to buy or lease products\nor services. The Purchase of cash or cash equivalents, like casino chips or lottery\ntickets, is a Cash Advance, not a Purchase.\nTRANSACTION FEES \xe2\x80\x93 FINANCE CHARGES\nTransaction Fees and APRs: If you are assessed a transaction fee for a Purchase\nmade in a foreign currency or a Cash Advance, the transaction fee may cause the\nAPR on your billing statement on which the transaction first appears to exceed\nyour normal APR.\nAnnual Fee: None.\nBalance Transfer Fee: None.\nForeign Transaction Fee: When you make a transaction outside of the United\nStates, a fee equal to 3% of the converted transaction amount will be applied to\nyour Account, unless state law limits the amount we can charge, in which case\nthe fee shall be the largest amount allowable under state law. State law limits\ninclude, but are not limited to: No fee for CO; Up to $0.25 for NV; Up to 1% for\nMS; Up to 2% for MI; Up to the lesser of 2% or $10.00 for IN.\nThe foreign transaction fee is a finance charge. Interest does not accrue on the fee.\n\nMutual of \xe2\x84\xa2Omaha Bank\xc2\xae\nATIRAcredit Mastercard\n\nCash Advance Fee: If you use your Account or Card to obtain a Cash Advance,\nwe will charge a Cash Advance fee of the greater of 4% of the cash advance or\n$10.00, unless state law limits the amount we can charge, in which case the fee\nshall be the largest amount allowable under state law. State law limits include,\nbut are not limited to: Up to $0.25 for IL and NV; Up to the lesser of 1.5% of the\namount of each cash advance or $5.00 for WV; Up to the greater of $2.00 or 2%\nof advance for TX; Up to the lesser of 2% of amount or $10.00 for IN; Up to the\ngreater of 2.5% of amount advanced or $2.00 for CO; Up to 4% of advance for LA;\nUp to the greater of $10.00 or 4% of each cash advance ($30.00 maximum)\nfor MN.\nThe cash advance fee is a finance charge. Interest does not accrue on the fee.\nOTHER FEES\nSome fees vary by state and are disclosed below. Specific fee amounts that apply\nto your Account will be disclosed as part of your Welcome Letter.\nLate Payment Fee: We may add a late fee as outlined below to your Account for\neach billing period you fail to pay the Minimum Amount Due by the Payment\nDue Date (unless otherwise limited by state law). No fee for CT; Up to 5% of past\ndue amount after 7 days for VA; Up to 5% of past due payment after 10 days for\nNY; Up to the greater of 5% of unpaid amount or $10.00 after 10 days for WY; Up\nto 5% of unpaid installment, not to exceed $10.00 after 15 days for ME; Up to\n5% of unpaid installment, not to exceed $25.00 after 10 days for WV; Up to the\nlesser of $5.00 or the balance on balances under $100 or $10.00 for balances\nover $100 after 30 days for NC; Up to the greater of $5.00 or 4% of amount of\nany delinquency after 15 days for MS; Up to $7.00 for CA; Up to the greater of\n$7.20 or 5% of unpaid payment after 10 days, not to exceed $18.00 in SC; Up\nto the greater of $7.80 or 5% of amount of the payment after 10 days for MN;\nUp to 10% of payment amount after 10 days for WA; Up to the lesser of 10% of\noutstanding balance or $10.00 after 15 days in default for MA; Up to the greater\nof 5% of installment or $15.00 after 7 days for KY; Up to $15.00 after 10 days for\nCO, DC, FL and LA; Up to the lesser of 5% of payment due or $15.00 after 10 days\nfor TX; Up to the greater of 5% of minimum required payment or $15.00 after\n10 days for OH and ID; Up to the greater of 5% of minimum payment or $15.00\nafter 15 days for MO; Up to the greater of $15.00 or 5% of amount past due for\nMI and MT; Up to $15.00 for IA; Up to the greater of $18.00 or 5% of payment in\ndefault after 10 days in AL; Up to $18.50 after 10 days for IN; Up to the greater of\n$20.00 or 10% of payment after 15 days in PA; Up to the greater of $24.50 or 5%\nof payment after 10 days for OK; Up to $25.00 for AA, AE, AK, AP, AR, AZ, DE, GA,\nHI, IL, KS, MD, ND, NE, NH, NJ, NM, NV, OR, RI, SD, TN, UT, VI, VT and WI.\nReturned Payment Fee: We may add a fee as outlined below to your Account\nif a payment check or similar instrument is not honored or returned because it\ncannot be processed, or if an automatic debit is returned unpaid. We may assess\nthis fee every time your check or payment is not honored, as permitted by law.\nNo fee for WY; Up to $10.00 for NV; Up to $15.00 after 2nd presentment for MD;\nUp to $20.00 for CT, FL, ID, NY, OH and OR; Up to the greater of $20.00 or 5% of\namount due for IA; Up to $25.00 if check remains unpaid for 15 days after notice\nof dishonor is sent for MS; Up to $25.00 for AA, AE, AK, AL, AP, AR, AZ, CA, CO,\nDC, DE, HI, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM,\nOK, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI and WV; Up to $25.00 or 5% of\ncheck amount for GA.\nReturned Convenience Check Fee: We may add a fee if we decline to honor a\nconvenience check. We may decline to honor these checks if, for example, the\namount of the check would cause the balance to exceed the Cash Advance limit\nor revolving credit line, if you default, if you did not comply with our instructions\nregarding the check, or if your Account has been closed. We may assess this fee\nevery time your check is not honored, as permitted by law. No fee for WY; Up to\n$10.00 for NV; Up to $15.00 after 2nd presentment for MD; Up to $20.00 for CT,\nFL, ID, NY, OH and OR; Up to the greater of $20.00 or 5% of amount due for IA;\nUp to $25.00 if check remains unpaid for 15 days after notice of dishonor is sent\nfor MS; Up to $25.00 for AA, AE, AK, AL, AP, AR, AZ, CA, CO, DC, DE, HI, IL, IN, KS,\nKY, LA, MA, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, OK, PA, RI, SC, SD, TN,\nTX, UT, VA, VI, VT, WA, WI and WV; Up to $25.00 or 5% of check amount for GA.\n\n\x0cStop Payment on Convenience Check Fee: We may add a fee of up to $20.00 to\nyour Account if we honor your request to stop payment on a Convenience Check.\nTo stop payment on a Convenience Check, write us at ATIRAcredit, P.O. Box\n14542, Des Moines, Iowa, 50306-3542, or call the Cardmember Service number\non the billing statement. If you call, you must confirm the call in writing within\nfourteen (14) days. A written stop payment order remains in effect for six (6)\nmonths unless renewed in writing. Stop payment fees do not apply for the state\nof WY.\nCredit Card Replacement Fee: We may add a fee to your Account if you request\na replacement credit Card. This fee is based on the delivery type you request.\nThe fee is $5.00 for standard delivery; $25.00 if you request a replacement be\ndelivered two (2) days after your request; $65.00 if you request a non-emergency\ndelivery shipped via FedEx one (1) day after your request; or $105.00 if you\nrequest an emergency Card replacement which is shipped at time of request\nwhen it is sent via an overnight delivery service. Rush card fees do not apply to\nthe following states: OK and WY.\nRush PIN Fee: We may add a $10.00 fee to the Purchase balance if you request\nyour PIN rush-delivered to you via FedEx. Rush PIN fees do not apply to the\nfollowing states: OK and WY.\nDocument Copy Fee: We may add a $15.00 fee to your Account if you request a\ncopy of a sales slip, refund slip, Cash Advance slip or travel and entertainment (T\n& E) draft. Document copy fees do not apply to the following states: IN, OK\nand WY.\nConvenience Check Copy Fee: We may add a $20.00 fee to your Account if you\nrequest a copy of a returned Convenience Check. Convenience Check copy fees\ndo not apply to the following states: OK and WY.\nStatement Copy Fee: We may add a $5.00 fee to your Account if you request a\ncopy of a billing statement. Statement Copy fees do not apply to the following\nstates: OK and WY.\nResearch Fee: We may add a fee to your Account for time we spend to research\nan item regarding your Account at your request. The fee is $15.00 per hour.\nResearch fees do not apply to the following states: OK and WY.\nYOUR ACCOUNT\nAuthorized Users: You may allow authorized users to use your Account. You may\nrequest additional Cards for authorized users. You must pay us for all charges\nmade by authorized users, even if you did not intend to be responsible for those\ncharges. If you revoke permission for an authorized user to use a Card or to use\nyour Account, you must notify us for the revocation to be effective.\nRevolving Credit Line: Your initial revolving credit line appears on the Card carrier\nand your Welcome Letter. Part of your revolving credit line, called the Cash\nAdvance limit, is available for Cash Advances. Your Cash Advance limit appears on\nyour Welcome Letter. We may change your revolving credit line or Cash Advance\nlimit at any time for any reason. We may notify you of any change, but the\nchange may take effect before you receive notice. We may permit you to incur\ncharges that cause your New Balance to exceed your revolving credit line. These\ncharges will be evaluated based on account performance, information contained\non credit bureau reports we review periodically and other credit accounts\nwith us. If we authorize these charges, you must pay, as part of your Minimum\nPayment Due, the amount by which your New Balance exceeds your revolving\ncredit line, including amounts due to Purchases, Cash Advances, finance charges,\nfees or other charges.\nContact Information: You must notify Cardmember Service of a change in\naddress or other contact information, including state of residence, by calling\n866.596.3061, mailing ATIRAcredit, P.O. Box 14542, Des Moines, IA 50306-3542\nor emailing info@ATIRAcredit.com. (Please note: this email address is not secure;\nplease do not include your account information. To discuss account-specific\ninformation, please call Cardmember Service.)\nBilling Statement: You shall receive a periodic billing statement in accordance\nwith applicable law if your Account has a debit or credit balance of more than\n$1 or a finance charge has been imposed during that billing cycle. If we deem\nyour Account uncollectible or institute collection proceedings through an outside\nagency or attorney, we may stop sending you statements. Periodic finance\ncharges and fees may continue to accrue even if we stop sending statements.\nThe total amount you owe us appears as the New Balance on the billing\nstatement. To determine the New Balance we begin with the total balance at\nthe start of the billing period. We add any Purchases, Balance Transfers or Cash\nAdvances and subtract any credits or payments credited as of that billing period.\nWe then add any periodic finance charges or fees and make other adjustments.\nOur Communications With You: If we need to contact you to service your\nAccount or to collect amounts you owe, you authorize us (and our affiliates,\nagents and contractors) to contact you at any number you provide, from which\nyou call us or at which we believe we can reach you. We may contact you in any\n\nway, such as calling or texting. We may contact you using an automated dialer\nor prerecorded messages. We may contact you on a mobile, wireless or similar\ndevice, even if you are charged for it.\nAPRs\nAPRs Based on Prime: We calculate any APR based on the U.S. Prime Rate\n(\xe2\x80\x9cPrime Rate\xe2\x80\x9d) by adding a margin to the Prime Rate. Your margin is identified in\nthe Welcome Letter you receive from us. Your APRs are variable and may increase\nor decrease if the Prime Rate increases or decreases. For each billing period, we\nuse the Prime Rate published in The Wall Street Journal ten (10) business days\nprior to your statement closing date. If The Wall Street Journal does not publish\nthe Prime Rate, we may substitute a similar published rate. A change in the APR\ndue to a change in the Prime Rate takes effect as of the first day of the billing\nperiod for which we calculate the APR. We apply the new applicable APR to any\nexisting balances, subject to any promotional rates that may apply.\nEffect of APR Increases: If the APR on your Account increases in accordance with\nthis Agreement and as permitted by law, interest charges and your minimum\npayment may increase.\nPenalty Rate: We do not charge a penalty rate.\nFINANCE CHARGES\nInterest Charges: Interest charges are a finance charge added to your Account\nwhen we apply the applicable APR to the balances on your Account.\nWhen Interest Charges Begin to Accrue: Interest begins to accrue on Purchases,\nCash Advances, Balance Transfers, and any minimum interest charges from the\ndate it is added to the daily balance and continues to accrue until payment in full\nis credited to your Account.\nYour Payment Due Date is at least 25 days after the close of each billing cycle.\nWe will not charge you interest on Purchases or Balance Transfers that appear\non your billing statement if you pay the New Balance on your statement in full by\nthe Payment Due Date.\nFor a Cash Advance, we will begin charging interest on the transaction date.\nHow We Calculate Your Balance and Interest Charges: We calculate the\ninterest charge separately for each Balance Subject to Interest rate, including\nfor Purchases at the current rate (which includes Balance Transfers at the\ncurrent rate), Cash Advances at the current rate and transactions at different\npromotional rates, as applicable. Your billing statement shows each Balance\nSubject to Interest Rate.\nWe figure the interest charge on your Account by applying the periodic rate to\nthe \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Purchases (which include Balance Transfers) and\nCash Advances. The average daily balances for Purchases (including Balance\nTransfers) and Cash Advances are calculated separately and determined as\nfollows: To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d we take the beginning balance of\nyour Account for each Balance Subject to Interest Rate each day, add any new\ntransactions in that category (which may include Purchases / Balance Transfers\n/ Cash Advances) and subtract any unpaid interest or other finance charges and\nany payments or credits. This gives us the daily balance. Then, we add up all\nthe daily balances (for that Balance Subject to Interest Rate) for the billing cycle\nand divide the total by the number of days in the billing cycle. This gives us the\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Balance Subject to Interest Rate.\nFor each Balance Subject to Interest Rate, we multiply the average daily balance\nby the applicable periodic rate. The periodic rate referenced in your Welcome\nLetter is a \xe2\x80\x98monthly\xe2\x80\x99 periodic rate and is calculated by dividing the APR on the\nAccount by twelve (12). A billing period begins on the day after the Statement\nClosing Date of the previous billing period and includes the Statement Closing\nDate of the current billing period.\nMinimum Interest Charge: If you are charged interest, the charge will be no less\nthan $0.50.\nConvenience Checks: Each Convenience Check must be in the form it was issued\nand used according to any instructions we give. The Convenience Check(s)\nmust not be used to pay an amount owed us under this or any other account\nor agreement that you have with us. We do not certify Convenience Checks\nor return any such checks that have been paid. At our sole discretion, we may\nchoose to honor a Convenience Check after its expiration date.\nPAYMENTS\nMinimum Payment Due: Each month your statement balance is greater than\n$0, you must pay at least the Minimum Payment Due by the Payment Due Date.\nTo calculate the Minimum Payment Due, we begin with any past due amount\nand add any amount in excess of your revolving credit line. We then apply the\nminimum payment disclosed in your Welcome Letter.\nThe Minimum Payment Due never exceeds the New Balance. In calculating the\nMinimum Payment Due, we may subtract from the New Balance certain fees\nadded to your Account during the billing period.\n\n\x0cApplication of Payments: Each billing period, to the extent your payment\nexceeds the Minimum Payment Due shown on your current billing statement,\nwe will apply the excess amount to the balance of each transaction category\nbeginning with the balance subject to the highest APR. Otherwise, we will apply\npayments and credits at our discretion. In all cases, we will apply payments and\ncredit in accordance with applicable law.\nPayment Instructions: Payments are credited in accordance with the payment\ninstructions on the billing statement. Payments received in proper form online, at\nyour financial institution or at our processing facility by 5 p.m. local time on any\nday will be credited as of that day. Payments received online, at your financial\ninstitution or at our processing facility after 5 p.m. local time will be credited as\nof the next day. You must pay us in U.S. dollars using a check, similar instrument\nor automatic debit that is drawn on and honored by a financial institution in the\nU.S. Do not send cash. We can accept late or partial payments, and payments\nthat reflect \xe2\x80\x9cpaid in full\xe2\x80\x9d or other restrictive endorsements, without losing our\nrights. We reserve the right to accept payments made in foreign currency and\ninstruments drawn on funds on deposit outside the U.S. If we do, we select the\ncurrency conversion rate at our discretion and credit your Account in U.S. dollars\nafter deducting any costs incurred in processing your payment, or we may bill\nyou separately for such costs.\nForeign Currency Conversion Procedures: If you make a transaction in a foreign\ncurrency, other than a Cash Advance made at your financial institution or ATM\nof one of our affiliates, Mastercard\xc2\xae converts the amount into U.S. dollars as\nfollows: Mastercard complies with its foreign currency conversion procedures\nthen in effect. Mastercard currently uses a conversion rate in effect one day prior\nto its transaction processing date. Such a rate is either a wholesale market rate or\nthe government mandated rate.\nThe foreign currency conversion rate in effect on the applicable processing date\nfor a transaction may differ from the rate in effect on the Transaction or Post\nDate on your billing statement for that transaction.\nIf a transaction is converted by a third party prior to such transaction being\nprocessed by Mastercard, the foreign currency conversion rate for that\ntransaction will be the rate selected by that third party.\nCREDIT REPORTING\nWe may report information about your Account to credit reporting agencies.\nLate payments, missed payments or other defaults on your Account may appear\non your credit report. If you request Cards on your Account for others, we may\nreport account information in the names of those other people as well. We may\nalso obtain subsequent credit reports on you (for example, when we review your\nAccount for a revolving credit line increase). If you wish to know which\nagencies we contacted, write us at the Cardmember Service address on your\nbilling statement.\nIf you think we reported erroneous information to a credit reporting agency,\nwrite us at the Cardmember Service address on your billing statement. We\nwill promptly investigate the matter and if we agree with you, we will contact\neach credit reporting agency to which we reported and request a correction.\nIf, after our investigation, we disagree with you, we will tell you in writing or by\ntelephone how to submit a statement to those agencies for inclusion in your\ncredit report.\nCHANGES TO THIS AGREEMENT\nWe may change the rates, fees and terms of this Agreement at any time for any\nreason, as permitted by law. Further, we may be compelled to change the rates,\nfees and terms of this Agreement if you change your state of residence. We will\nprovide you notice of changes as required by law. Any changes to this Agreement\nare binding on you.\nDEFAULT\nYou will be in default under this Agreement if you fail to pay the Minimum\nPayment Due by its due date; pay by a check or similar instrument that is\nnot honored or that we must return because it cannot be processed; pay by\nautomatic debit that is returned unpaid; make any false or misleading statements\nin any credit application or credit update; file for bankruptcy; or die. You will also\nbe in default if you fail to comply with the terms of this Agreement or any other\nAgreement you have with us. If you default, we may close your Account and\nrequire you to pay any unpaid balance immediately, subject to applicable law. If\nyou gave the financial institution guaranteeing your Account a security interest or\nother deposit, we may use the deposit amount to pay any amount you owe.\nAUTHORIZATIONS, CLOSED ACCOUNTS\nAND RELATED PROVISIONS\nAuthorizations: We do not guarantee authorization of a transaction, either by\nus or by a third party, even if you have sufficient credit available. We reserve\nthe right to deny certain transactions for any reason and at our sole discretion,\nincluding for default, suspected fraudulent or unlawful activity, internet gambling\nor any indication of increased risk related to the transaction or the Account.\nYou agree that we will not be liable for failing to give an authorization. We also\n\nreserve the right to limit the number of transactions that may be approved in\none day. If we detect unusual or suspicious activity, we may suspend your credit\nprivileges until we can verify the activity, or we may close the Account.\nPreauthorized Charges: If you default, if the Card is lost or stolen or we change\nthe Account for any reason, we may suspend automatic charges with third party\nvendors. If preauthorized charges are suspended, you are responsible for making\ndirect payment for such charges until you contact the third party to reinstate the\nautomatic charges.\nLost or Stolen Cards, Account Numbers or Convenience Checks: If any Card,\nAccount number or Convenience Check is lost or stolen or if you think someone\nused or may use them without permission, call Cardmember Service immediately\nat 866.596.3061. We may require you to provide certain information in writing\nto help us find out what happened and to comply with our investigation. You\nmust identify for us the charges that were not made by you, or someone not\nauthorized by you and from which you received no benefit. You will not be liable\nfor any unauthorized use that occurs after your notify us. You may be liable for\nunauthorized use that occurs before your notice to us. However, if you exercise\nreasonable care in safeguarding your card from risk of loss or theft and, upon\ndiscovering the loss or theft promptly report the loss or theft to us, you will not\nbe liable for any unauthorized transactions. In any case, your liability will not\nexceed $50.00.\nClosing Your Account: You may close your Account by notifying us in writing or\ncalling the Cardmember Service number shown on your billing statement or on\nthe back of your credit Card but must still repay the total balance remaining on\nthe Account (identified as \xe2\x80\x9cNew Balance\xe2\x80\x9d on your statement) in accordance with\nthis Agreement. We may close your Account or suspend Account privileges at any\ntime for any reason without prior notice. We may also reissue a different Card at\nany time. You must return any Card to us upon request.\nSecurity Interest for Secured Accounts: If your Account is a secured account,\nyou gave your financial institution a security interest or other deposit to secure\npayment of your Account. If you withdraw your funds from the account set up\nto secure your credit account, the financial institution will notify us and we will\nclose your Account.\nWHAT TO DO IF THERE IS AN ERROR IN YOUR BILL\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nATIRAcredit, P.O. Box 14542, Des Moines, IA 50306-3542.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and Account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your\nbill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you\nwant to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do\nwe are not required to investigate any potential errors and you may have to pay\nthe amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your\nletter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent\non that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue\nto charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for\nthe remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\n\n\x0cIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when the matter has\nbeen settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit Card and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe Purchase.\nTo use this right, all of the following must be true:\n1. The Purchase must have been made in your home state or within 100 miles\nof your current mailing address, and the Purchase price must have been\nmore than $50.00. (Note: Neither of these are necessary if your Purchase was\nbased on an advertisement we mailed to you, or if we own the company that\nsold you the goods or services.)\n2. You must have used your credit Card for the Purchase. Purchases made with\nCash Advances from an ATM or with a check that accesses your Account do\nnot qualify.\n3. You must not yet have fully paid for the Purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\nPurchase, contact us in writing at ATIRAcredit, P.O. Box 14542,\nDes Moines, IA 50306-3542.\nWhile we investigate, the same rules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell you our decision. At that\npoint, if we think you owe an amount and you do not pay, we may report you\nas delinquent.\n\nDISPUTE RESOLUTION\nAny dispute, controversy or claim arising under or otherwise in connection with\nthis Agreement (including any breach, termination, validity or enforceability of\nany provision hereof) (a \xe2\x80\x9cDispute\xe2\x80\x9d) shall be resolved as follows: Either Party may\nsubmit the Dispute to non-binding mediation in the State of Iowa, in accordance\nwith the Rules of Arbitration then prevailing of the American Arbitration\nAssociation (the \xe2\x80\x9cRules\xe2\x80\x9d). The Parties will mutually agree upon the mediator.\nIf the Parties are unable to agree upon the mediator, the mediator will be\nselected by the Des Moines, Iowa office of the American Arbitration Association.\nIf the Dispute is not resolved through mediation within ten (10) business days\nafter the conclusion of the Hearing (as defined below), the Dispute may be\nsubmitted to arbitration in Des Moines, Iowa for resolution by final and binding\narbitration by a sole arbitrator under the Rules, upon written notice of demand\nfor arbitration by the Party seeking arbitration, setting forth the specifics of the\nmatter in controversy or the claim being made.\n\ncredit limit; 2) may be liable for amounts extended under the plan to any joint\napplicant. As required by law, you are hereby notified that a negative credit\nreport reflecting on your credit record may be submitted to a credit reporting\nagency if you fail to fulfill the terms of your credit obligations.\nConnecticut Residents: This is an open-end loan being made pursuant to\nConnecticut Statutes Sections 36a-555 to 573.\nFlorida Residents: You (borrower) agree that, should we obtain a judgment\nagainst you, a portion of your disposable earnings may be attached or\ngarnished (paid to us by your employer), as provided by Florida and\nFederal law.\nMissouri Residents: Oral agreements or commitments to loan money, extend\ncredit or to forbear from enforcing repayment of a debt including promises to\nextend or renew such debt are not enforceable. To protect you (borrower(s))\nand us (creditor) from misunderstanding or disappointment, any agreements\nwe reach covering such matters are contained in this writing, which is the\ncomplete and exclusive statement of the agreement between us, except as we\nmay later agree in writing to modify it.\nNew York Residents: We may obtain a credit report in connection with\nthis Account, including for any review, modification, renewal or collections\nassociated with this Account. Upon your request, you will be informed whether\nsuch report was requested and, if so, the name and address of the consumer\nreporting agency furnishing the report. New York residents may contact the New\nYork State Banking Department at 877.226.5697 to obtain a comparative listing\nof credit card rates, fees and grace periods.\nOhio Residents: The Ohio laws against discrimination require that all creditors\nmake credit equally available to all creditworthy customers and that credit\nreporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\nSouth Dakota Residents: If you believe there have been any improprieties in\nmaking this loan or in the lender\xe2\x80\x99s loan practices, you may contact the South\nDakota Division of Banking at\n1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at 605.773.3421.\nWisconsin Residents: If you are married, please contact us immediately upon\nreceipt of this Agreement at 866.596.3061 and provide us with the name and\naddress of your spouse. We are required to inform your spouse that we have\nopened a credit account for you.\nFOR FURTHER INFORMATION\nCall Cardmember Service at 866.596.3061. This number is also shown on your\nbilling statement and on the back of your Card.\n\n\xe2\x80\x9cHearing\xe2\x80\x9d means a hearing before the mediator during which each Party\npresents its position regarding the Dispute.\nAPPLICABLE LAW AND ENFORCING OUR RIGHTS\nApplicable Law: The terms and enforcement of this Agreement shall be\ngoverned by federal law and the law of Iowa.\nArmed Forces: Federal law provides important protections to members of the\nArmed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and\nhis or her dependent may not exceed an annual percentage rate of 36 percent.\nThis rate must include, as applicable to the credit transaction or account: The\ncosts associated with credit insurance premiums; fees for ancillary products sold\nin connection with the credit transaction; any application fee charged (other\nthan certain application fees for specified credit transactions or accounts); and\nany participation fee charged (other than certain participation fees for a credit\ncard account). To hear this disclosure orally, please call 844.697.2550.\nEnforcing this Agreement: We can delay in enforcing or fail to enforce any of\nour rights under this Agreement without losing them.\nCollection Costs: If we refer collection of your Account to a lawyer who is not\nour salaried employee, you are liable for any reasonable attorney\xe2\x80\x99s fees we\nincur, plus the costs and expenses of any legal action, to the extent applicable\nby law.\nAssignment: We may assign any or all of our rights and obligations under this\nAgreement to a third party.\n\nThe Mutual of Omaha Bank ATIRAcredit\xe2\x84\xa2 Card is issued pursuant to a license\nby Mastercard International Incorporated. Mastercard and the Mastercard\nBrand Mark are registered trademarks of Mastercard International\nIncorporated.\n\nCalifornia Residents: A married applicant may apply for a separate account.\nApplicants: 1) may, after credit approval, use the credit card account up to its\n\n\xc2\xa92017, TMG Financial Services, Inc. ATIRA\xc2\xae is a registered service mark and\nATIRAcredit\xe2\x84\xa2 is a service mark of The Members Group, LLC.\n\n\x0c'


b'Cardmember\nAgreement\nCARDMEMBER AGREEMENT\nThis Cardmember Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d), which includes your Card carrier\nand Welcome Letter, is your contract with us and governs the use of your Card\nand Account. The Welcome Letter contains important account information,\nincluding your annual percentage rates. Please read and keep these documents\nfor your records.\nYou agree to use your Account in accordance with this Agreement. This\nAgreement is binding on you unless you have not used or authorized\nuse of the Card. You must pay us for all amounts due on your Account\nas specified in this Agreement. Your Account must only be used for\nlawful transactions.\nDEFINITIONS\nWe, us, and our: TMG Financial Services, Inc., the issuer of your credit\nCard Account.\nYou, your, and yours: the person who applied to open the Account and any other\nperson responsible for complying with this Agreement, including the person to\nwhom we address the billing statements.\nAccount: the relationship established between you and us by this Agreement.\nAPR: annual percentage rate.\nBalance Transfer: the transfer of outstanding balances by you to your Account\nfrom credit accounts issued by persons other than us. A Balance Transfer may\nonly be completed in a method authorized by us, which may include through a\ncheck issued by us.\nCard: one or more Cards or other Account access devices, including Convenience\nChecks and Account numbers that we issue to you to obtain credit under this\nCardmember Agreement.\nCash Advance: an advance that is charged to your Account with or in connection\nwith the Card, including obtaining funds through an automated teller machine\n(ATM), banking site or financial institution; making a wire transfer; obtaining a\nmoney order, traveler\xe2\x80\x99s check, lottery ticket, casino chip or similar item; writing\na Check, drawn on your Account, to yourself or as cash; or engaging in a\nsimilar transaction.\nConvenience Check(s): a draft that looks like other checks, but is issued by us and\ndrawn on credit available in your Account. For purposes of this Agreement and\nother communications with you, we may refer to these as Convenience Checks,\nBalance Transfer checks, Balance Consolidation checks, or by other means as\ndescribed in offers or communications to you.\nPurchase: a Purchase is the use of your Card or Account to buy or lease products\nor services. The Purchase of cash or cash equivalents, like casino chips or lottery\ntickets, is a Cash Advance, not a Purchase.\nTRANSACTION FEES \xe2\x80\x93 FINANCE CHARGES\nTransaction Fees and APRs: If you are assessed a transaction fee for a Purchase\nmade in a foreign currency or a Cash Advance, the transaction fee may cause the\nAPR on your billing statement on which the transaction first appears to exceed\nyour normal APR.\nAnnual Fee: None.\nBalance Transfer Fee: None.\nForeign Transaction Fee: When you make a transaction outside of the United\nStates, a fee equal to 1% of the converted transaction amount will be applied to\nyour Account, unless state law limits the amount we can charge, in which case\nthe fee shall be the largest amount allowable under state law. State law limits\ninclude, but are not limited to: No fee for CO; Up to $0.25 for NV; Up to the lesser\nof 1% or $10.00 for IN.\nThe foreign transaction fee is a finance charge. Interest does not accrue on\nthe fee.\nCash Advance Fee: If you use your Account or Card to obtain a Cash Advance,\nwe will charge a Cash Advance fee of the greater of 4% of the cash advance or\n\n02/17\nCMA-2\n\nATIRAcredit\xe2\x84\xa2 Mastercard\xc2\xae\n$10.00, unless state law limits the amount we can charge, in which case the fee\nshall be the largest amount allowable under state law. State law limits include,\nbut are not limited to: Up to $0.25 for IL and NV; Up to the lesser of 1.5% of\namount of each cash advance or $5.00 for WV; Up to the greater of $2.00 or 2%\nof advance for TX; Up to the lesser of 2% of amount or $10.00 for IN; Up to the\ngreater of 2.5% of amount advanced or $2.00 for CO; Up to 4% of advance for LA;\nUp to the greater of $10.00 or 4% of each cash advance ($30.00 maximum)\nfor MN.\nThe cash advance fee is a finance charge. Interest does not accrue on the fee.\nOTHER FEES\nSome fees vary by state and are disclosed below. Specific fee amounts that apply\nto your Account will be disclosed as part of your Welcome Letter.\nLate Payment Fee: We may add a late fee as outlined below to your Account for\neach billing period you fail to pay the Minimum Amount Due by the Payment\nDue Date (unless otherwise limited by state law). No fee for CT; Up to 5% of past\ndue amount after 7 days for VA; Up to 5% of past due payment after 10 days for\nNY; Up to the greater of 5% of unpaid amount or $10.00 after 10 days for WY; Up\nto 5% of unpaid installment, not to exceed $10.00 after 15 days for ME; Up to\n5% of unpaid installment, not to exceed $25.00 after 10 days for WV; Up to the\nlesser of $5.00 or the balance on balances under $100 or $10.00 for balances\nover $100 after 30 days for NC; Up to the greater of $5.00 or 4% of amount of\nany delinquency after 15 days for MS; Up to $7.00 for CA; Up to the greater of\n$7.20 or 5% of unpaid payment after 10 days, not to exceed $18.00 in SC; Up\nto the greater of $7.80 or 5% of amount of the payment after 10 days for MN;\nUp to 10% of payment amount after 10 days for WA; Up to the lesser of 10% of\noutstanding balance or $10.00 after 15 days in default for MA; Up to the greater\nof 5% of installment or $15.00 after 7 days for KY; Up to $15.00 after 10 days for\nCO, DC, FL and LA; Up to the lesser of 5% of payment due or $15.00 after 10 days\nfor TX; Up to the greater of 5% of minimum required payment or $15.00 after\n10 days for OH and ID; Up to the greater of 5% of minimum payment or $15.00\nafter 15 days for MO; Up to the greater of $15.00 or 5% of amount past due for\nMI and MT; Up to $15.00 for IA; Up to the greater of $18.00 or 5% of payment in\ndefault after 10 days in AL; Up to $18.50 after 10 days for IN; Up to the greater of\n$20.00 or 10% of payment after 15 days in PA; Up to the greater of $24.50 or 5%\nof payment after 10 days for OK; Up to $25.00 for AA, AE, AK, AP, AR, AZ, DE, GA,\nHI, IL, KS, MD, ND, NE, NH, NJ, NM, NV, OR, RI, SD, TN, UT, VI, VT and WI.\nReturned Payment Fee: We may add a fee as outlined below to your Account\nif a payment check or similar instrument is not honored or returned because it\ncannot be processed, or if an automatic debit is returned unpaid. We may assess\nthis fee every time your check or payment is not honored, as permitted by law.\nNo fee for WY; Up to $10.00 for NV; Up to $15.00 after 2nd presentment for MD;\nUp to $20.00 for CT, FL, ID, NY, OH and OR; Up to the greater of $20.00 or 5% of\namount due for IA; Up to $25.00 if check remains unpaid for 15 days after notice\nof dishonor is sent for MS; Up to $25.00 for AA, AE, AK, AL, AP, AR, AZ, CA, CO,\nDC, DE, HI, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM,\nOK, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI and WV; Up to $25.00 or 5% of\ncheck amount for GA.\nReturned Convenience Check Fee: We may add a fee if we decline to honor a\nconvenience check. We may decline to honor these checks if, for example, the\namount of the check would cause the balance to exceed the Cash Advance limit\nor revolving credit line, if you default, if you did not comply with our instructions\nregarding the check, or if your Account has been closed. We may assess this fee\nevery time your check is not honored, as permitted by law. No fee for WY; Up to\n$10.00 for NV; Up to $15.00 after 2nd presentment for MD; Up to $20.00 for CT,\nFL, ID, NY, OH and OR; Up to the greater of $20.00 or 5% of amount due for IA;\nUp to $25.00 if check remains unpaid for 15 days after notice of dishonor is sent\nfor MS; Up to $25.00 for AA, AE, AK, AL, AP, AR, AZ, CA, CO, DC, DE, HI, IL, IN, KS,\nKY, LA, MA, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, OK, PA, RI, SC, SD, TN,\nTX, UT, VA, VI, VT, WA, WI and WV; Up to $25.00 or 5% of check amount for GA.\nStop Payment on Convenience Check Fee: We may add a fee of up to $20.00 to\nyour Account if we honor your request to stop payment on a Convenience Check.\nTo stop payment on a Convenience Check, write us at ATIRAcredit, P.O. Box\n14542, Des Moines, Iowa, 50306-3542, or call the Cardmember Service number\non the billing statement. If you call, you must confirm the call in writing within\n\n\x0cfourteen (14) days. A written stop payment order remains in effect for six (6)\nmonths unless renewed in writing. Stop payment fees do not apply for the state\nof WY.\nCredit Card Replacement Fee: We may add a fee to your Account if you request\na replacement credit Card. This fee is based on the delivery type you request.\nThe fee is $5.00 for standard delivery; $25.00 if you request a replacement be\ndelivered two (2) days after your request; $65.00 if you request a non-emergency\ndelivery shipped via FedEx one (1) day after your request; or $105.00 if you\nrequest an emergency Card replacement which is shipped at time of request\nwhen it is sent via an overnight delivery service. Rush card fees do not apply to\nthe following states: OK and WY.\nRush PIN Fee: We may add a $10.00 fee to the Purchase balance if you request\nyour PIN rush-delivered to you via FedEx. Rush PIN fees do not apply to the\nfollowing states: OK and WY.\nDocument Copy Fee: We may add a $15.00 fee to your Account if you request a\ncopy of a sales slip, refund slip, Cash Advance slip or travel and entertainment (T\n& E) draft. Document copy fees do not apply to the following states: IN, OK\nand WY.\nConvenience Check Copy Fee: We may add a $20.00 fee to your Account if you\nrequest a copy of a returned Convenience Check. Convenience Check copy fees\ndo not apply to the following states: OK and WY.\nStatement Copy Fee: We may add a $5.00 fee to your Account if you request a\ncopy of a billing statement. Statement Copy fees do not apply to the following\nstates: OK and WY.\nResearch Fee: We may add a fee to your Account for time we spend to research\nan item regarding your Account at your request. The fee is $15.00 per hour.\nResearch fees do not apply to the following states: OK and WY.\nYOUR ACCOUNT\nAuthorized Users: You may allow authorized users to use your Account. You may\nrequest additional Cards for authorized users. You must pay us for all charges\nmade by authorized users, even if you did not intend to be responsible for those\ncharges. If you revoke permission for an authorized user to use a Card or to use\nyour Account, you must notify us for the revocation to be effective.\nRevolving Credit Line: Your initial revolving credit line appears on the Card carrier\nand your Welcome Letter. Part of your revolving credit line, called the Cash\nAdvance limit, is available for Cash Advances. Your Cash Advance limit appears on\nyour Welcome Letter. We may change your revolving credit line or Cash Advance\nlimit at any time for any reason. We may notify you of any change, but the\nchange may take effect before you receive notice. We may permit you to incur\ncharges that cause your New Balance to exceed your revolving credit line. These\ncharges will be evaluated based on account performance, information contained\non credit bureau reports we review periodically and other credit accounts\nwith us. If we authorize these charges, you must pay, as part of your Minimum\nPayment Due, the amount by which your New Balance exceeds your revolving\ncredit line, including amounts due to Purchases, Cash Advances, finance charges,\nfees or other charges.\nContact Information: You must notify Cardmember Service of a change in\naddress or other contact information, including state of residence, by calling\n888.4.ATIRA.1 (888.428.4721), mailing ATIRAcredit, P.O. Box 14542, Des Moines,\nIA 50306-3542 or emailing info@ATIRAcredit.com. (Please note: this email\naddress is not secure; please do not include your account information. To discuss\naccount-specific information, please call Cardmember Service.)\nBilling Statement: You shall receive a periodic billing statement in accordance\nwith applicable law if your Account has a debit or credit balance of more than\n$1 or a finance charge has been imposed during that billing cycle. If we deem\nyour Account uncollectible or institute collection proceedings through an outside\nagency or attorney, we may stop sending you statements. Periodic finance\ncharges and fees may continue to accrue even if we stop sending statements.\nThe total amount you owe us appears as the New Balance on the billing\nstatement. To determine the New Balance we begin with the total balance at\nthe start of the billing period. We add any Purchases, Balance Transfers or Cash\nAdvances and subtract any credits or payments credited as of that billing period.\nWe then add any periodic finance charges or fees and make other adjustments.\nOur Communications With You: If we need to contact you to service your\nAccount or to collect amounts you owe, you authorize us (and our affiliates,\nagents and contractors) to contact you at any number you provide, from which\nyou call us or at which we believe we can reach you. We may contact you in any\nway, such as calling or texting. We may contact you using an automated dialer\nor prerecorded messages. We may contact you on a mobile, wireless or similar\ndevice, even if you are charged for it.\n\nAPRs\nAPRs Based on Prime: We calculate any APR based on the U.S. Prime Rate\n(\xe2\x80\x9cPrime Rate\xe2\x80\x9d) by adding a margin to the Prime Rate. Your margin is identified in\nthe Welcome Letter you receive from us. Your APRs are variable and may increase\nor decrease if the Prime Rate increases or decreases. For each billing period, we\nuse the Prime Rate published in The Wall Street Journal ten (10) business days\nprior to your statement closing date. If The Wall Street Journal does not publish\nthe Prime Rate, we may substitute a similar published rate. A change in the APR\ndue to a change in the Prime Rate takes effect as of the first day of the billing\nperiod for which we calculate the APR. We apply the new applicable APR to any\nexisting balances, subject to any promotional rates that may apply.\nEffect of APR Increases: If the APR on your Account increases in accordance with\nthis Agreement and as permitted by law, interest charges and your minimum\npayment may increase.\nPenalty Rate: We do not charge a penalty rate.\nFINANCE CHARGES\nInterest Charges: Interest charges are a finance charge added to your Account\nwhen we apply the applicable APR to the balances on your Account.\nWhen Interest Charges Begin to Accrue: Interest begins to accrue on Purchases,\nCash Advances, Balance Transfers, and any minimum interest charges from the\ndate it is added to the daily balance and continues to accrue until payment in full\nis credited to your Account.\nYour Payment Due Date is at least 25 days after the close of each billing cycle.\nWe will not charge you interest on Purchases or Balance Transfers that appear\non your billing statement if you pay the New Balance on your statement in full by\nthe Payment Due Date.\nFor a Cash Advance, we will begin charging interest on the transaction date.\nHow We Calculate Your Balance and Interest Charges: We calculate the\ninterest charge separately for each Balance Subject to Interest rate, including\nfor Purchases at the current rate (which includes Balance Transfers at the\ncurrent rate), Cash Advances at the current rate and transactions at different\npromotional rates, as applicable. Your billing statement shows each Balance\nSubject to Interest Rate.\nWe figure the interest charge on your Account by applying the periodic rate to\nthe \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Purchases (which include Balance Transfers) and\nCash Advances. The average daily balances for Purchases (including Balance\nTransfers) and Cash Advances are calculated separately and determined as\nfollows: To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d we take the beginning balance of\nyour Account for each Balance Subject to Interest Rate each day, add any new\ntransactions in that category (which may include Purchases / Balance Transfers\n/ Cash Advances) and subtract any unpaid interest or other finance charges and\nany payments or credits. This gives us the daily balance. Then, we add up all\nthe daily balances (for that Balance Subject to Interest Rate) for the billing cycle\nand divide the total by the number of days in the billing cycle. This gives us the\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Balance Subject to Interest Rate.\nFor each Balance Subject to Interest Rate, we multiply the average daily balance\nby the applicable periodic rate. The periodic rate referenced in your Welcome\nLetter is a \xe2\x80\x98monthly\xe2\x80\x99 periodic rate and is calculated by dividing the APR on the\nAccount by twelve (12). A billing period begins on the day after the Statement\nClosing Date of the previous billing period and includes the Statement Closing\nDate of the current billing period\nMinimum Interest Charge: If you are charged interest, the charge will be no less\nthan $0.50.\nConvenience Checks: Each Convenience Check must be in the form it was issued\nand used according to any instructions we give. The Convenience Check(s)\nmust not be used to pay an amount owed us under this or any other account\nor agreement that you have with us. We do not certify Convenience Checks\nor return any such checks that have been paid. At our sole discretion, we may\nchoose to honor a Convenience Check after its expiration date.\nPAYMENTS\nMinimum Payment Due: Each month your statement balance is greater than\n$0, you must pay at least the Minimum Payment Due by the Payment Due Date.\nTo calculate the Minimum Payment Due, we begin with any past due amount\nand add any amount in excess of your revolving credit line. We then apply the\nminimum payment disclosed in your Welcome Letter.\nThe Minimum Payment Due never exceeds the New Balance. In calculating the\nMinimum Payment Due, we may subtract from\nthe New Balance certain fees added to your Account during the billing period.\nApplication of Payments: Each billing period, to the extent your payment\nexceeds the Minimum Payment Due shown on your current billing statement,\nwe will apply the excess amount to the balance of each transaction category\n\n\x0cbeginning with the balance subject to the highest APR. Otherwise, we will apply\npayments and credits at our discretion. In all cases, we will apply payments and\ncredit in accordance with applicable law.\nPayment Instructions: Payments are credited in accordance with the payment\ninstructions on the billing statement. Payments received in proper form online, at\nyour financial institution or at our processing facility by 5 p.m. local time on any\nday will be credited as of that day. Payments received online, at your financial\ninstitution or at our processing facility after 5 p.m. local time will be credited as\nof the next day. You must pay us in U.S. dollars using a check, similar instrument\nor automatic debit that is drawn on and honored by a financial institution in the\nU.S. Do not send cash. We can accept late or partial payments, and payments\nthat reflect \xe2\x80\x9cpaid in full\xe2\x80\x9d or other restrictive endorsements, without losing our\nrights. We reserve the right to accept payments made in foreign currency and\ninstruments drawn on funds on deposit outside the U.S. If we do, we select the\ncurrency conversion rate at our discretion and credit your Account in U.S. dollars\nafter deducting any costs incurred in processing your payment, or we may bill\nyou separately for such costs.\nForeign Currency Conversion Procedures: If you make a transaction in a foreign\ncurrency, other than a Cash Advance made at your financial institution or ATM\nof one of our affiliates, Mastercard\xc2\xae converts the amount into U.S. dollars as\nfollows: Mastercard complies with its foreign currency conversion procedures\nthen in effect. Mastercard currently uses a conversion rate in effect one day prior\nto its transaction processing date. Such a rate is either a wholesale market rate or\nthe government mandated rate.\nThe foreign currency conversion rate in effect on the applicable processing date\nfor a transaction may differ from the rate in effect on the Transaction or Post\nDate on your billing statement for that transaction.\nIf a transaction is converted by a third party prior to such transaction being\nprocessed by Mastercard, the foreign currency conversion rate for that\ntransaction will be the rate selected by that third party.\nCREDIT REPORTING\nWe may report information about your Account to credit reporting agencies.\nLate payments, missed payments or other defaults on your Account may appear\non your credit report. If you request Cards on your Account for others, we may\nreport account information in the names of those other people as well. We may\nalso obtain subsequent credit reports on you (for example, when we review your\nAccount for a revolving credit line increase). If you wish to know which agencies\nwe contacted, write us at the Cardmember Service address on your billing statement.\nIf you think we reported erroneous information to a credit reporting agency,\nwrite us at the Cardmember Service address on your billing statement. We\nwill promptly investigate the matter and if we agree with you, we will contact\neach credit reporting agency to which we reported and request a correction.\nIf, after our investigation, we disagree with you, we will tell you in writing or by\ntelephone how to submit a statement to those agencies for inclusion in your\ncredit report.\nCHANGES TO THIS AGREEMENT\nWe may change the rates, fees and terms of this Agreement at any time for any\nreason, as permitted by law. Further, we may be compelled to change the rates,\nfees and terms of this Agreement if you change your state of residence. We will\nprovide you notice of changes as required by law. Any changes to this Agreement\nare binding on you.\nDEFAULT\nYou will be in default under this Agreement if you fail to pay the Minimum\nPayment Due by its due date; pay by a check or similar instrument that is\nnot honored or that we must return because it cannot be processed; pay by\nautomatic debit that is returned unpaid; make any false or misleading statements\nin any credit application or credit update; file for bankruptcy; or die. You will also\nbe in default if you fail to comply with the terms of this Agreement or any other\nAgreement you have with us. If you default, we may close your Account and\nrequire you to pay any unpaid balance immediately, subject to applicable law. If\nyou gave the financial institution guaranteeing your Account a security interest or\nother deposit, we may use the deposit amount to pay any\namount you owe.\nAUTHORIZATIONS, CLOSED ACCOUNTS\nAND RELATED PROVISIONS\nAuthorizations: We do not guarantee authorization of a transaction, either by\nus or by a third party, even if you have sufficient credit available. We reserve\nthe right to deny certain transactions for any reason and at our sole discretion,\nincluding for default, suspected fraudulent or unlawful activity, internet gambling\nor any indication of increased risk related to the transaction or the Account.\nYou agree that we will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in\none day. If we detect unusual or suspicious activity, we may suspend your credit\nprivileges until we can verify the activity, or we may close the Account.\n\nPreauthorized Charges: If you default, if the Card is lost or stolen or we change\nthe Account for any reason, we may suspend automatic charges with third party\nvendors. If preauthorized charges are suspended, you are responsible for making\ndirect payment for such charges until you contact the third party to reinstate the\nautomatic charges.\nLost or Stolen Cards, Account Numbers or Convenience Checks: If any Card,\nAccount number or Convenience Check is lost or stolen or if you think someone\nused or may use them without permission, call Cardmember Service immediately\nat 888.4.ATIRA.1. We may require you to provide certain information in writing\nto help us find out what happened and to comply with our investigation. You\nmust identify for us the charges that were not made by you, or someone not\nauthorized by you and from which you received no benefit. You will not be liable\nfor any unauthorized use that occurs after your notify us. You may be liable for\nunauthorized use that occurs before your notice to us. However, if you exercise\nreasonable care in safeguarding your card from risk of loss or theft and, upon\ndiscovering the loss or theft promptly report the loss or theft to us, you will not\nbe liable for any unauthorized transactions. In any case, your liability will not\nexceed $50.00.\nClosing Your Account: You may close your Account by notifying us in writing or\ncalling the Cardmember Service number shown on your billing statement or on\nthe back of your credit Card but must still repay the total balance remaining on\nthe Account (identified as \xe2\x80\x9cNew Balance\xe2\x80\x9d on your statement) in accordance with\nthis Agreement. We may close your Account or suspend Account privileges at any\ntime for any reason without prior notice. We may also reissue a different Card at\nany time. You must return any Card to us upon request.\nSecurity Interest for Secured Accounts: If your Account is a secured account,\nyou gave your financial institution a security interest or other deposit to secure\npayment of your Account. If you withdraw your funds from the account set up\nto secure your credit account, the financial institution will notify us and we will\nclose your Account.\nWHAT TO DO IF THERE IS AN ERROR IN YOUR BILL\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nATIRAcredit, P.O. Box 14542, Des Moines, IA 50306-3542.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and Account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe\nwhat you believe is wrong and why you believe it is\na mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you\nwant to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do\nwe are not required to investigate any potential errors and you may have to pay\nthe amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your\nletter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent\non that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to\ncharge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for\nthe remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write\n\n\x0cto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when the matter has\nbeen settled between us.\n\nApplicants: 1) may, after credit approval, use the credit card account up to its\ncredit limit; 2) may be liable for amounts extended under the plan to any joint\napplicant. As required by law, you are hereby notified that a negative credit\nreport reflecting on your credit record may be submitted to a credit reporting\nagency if you fail to fulfill the terms of your credit obligations.\n\nIf we do not follow all of the rules above, you do not have to pay the first $50.00\nof the amount you question even if your bill is correct.\n\nConnecticut Residents: This is an open-end loan being made pursuant to\nConnecticut Statutes Sections 36a-555 to 573.\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit Card and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe Purchase.\n\nFlorida Residents: You (borrower) agree that, should we obtain a judgment\nagainst you, a portion of your disposable earnings may be attached or\ngarnished (paid to us by your employer), as provided by Florida and\nFederal law.\n\nTo use this right, all of the following must be true:\n1. The Purchase must have been made in your home state or within 100 miles\nof your current mailing address, and the Purchase price must have been\nmore than $50.00. (Note: Neither of these are necessary if your Purchase was\nbased on an advertisement we mailed to you, or if we own the company that\nsold you the goods or services.)\n2. You must have used your credit Card for the Purchase. Purchases made with\nCash Advances from an ATM or with a check that accesses your Account do\nnot qualify.\n3. You must not yet have fully paid for the Purchase.\n\nMissouri Residents: Oral agreements or commitments to loan money, extend\ncredit or to forbear from enforcing repayment of a debt including promises to\nextend or renew such debt are not enforceable. To protect you (borrower(s))\nand us (creditor) from misunderstanding or disappointment, any agreements\nwe reach covering such matters are contained in this writing, which is the\ncomplete and exclusive statement of the agreement between us, except as we\nmay later agree in writing to modify it.\n\nIf all of the criteria above are met and you are still dissatisfied with\nthe Purchase, contact us in writing at ATIRAcredit, P.O. Box 14542,\nDes Moines, IA 50306-3542.\n\nNew York Residents: We may obtain a credit report in connection with\nthis Account, including for any review, modification, renewal or collections\nassociated with this Account. Upon your request, you will be informed whether\nsuch report was requested and, if so, the name and address of the consumer\nreporting agency furnishing the report. New York residents may contact the New\nYork State Banking Department at 877.226.5697 to obtain a comparative listing\nof credit card rates, fees and grace periods.\n\nWhile we investigate, the same rules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell you our decision. At that\npoint, if we think you owe an amount and you do not pay, we may report you\nas delinquent.\n\nOhio Residents: The Ohio laws against discrimination require that all creditors\nmake credit equally available to all creditworthy customers and that credit\nreporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n\nDISPUTE RESOLUTION\nAny dispute, controversy or claim arising under or otherwise in connection with\nthis Agreement (including any breach, termination, validity or enforceability of\nany provision hereof) (a \xe2\x80\x9cDispute\xe2\x80\x9d) shall be resolved as follows: Either Party may\nsubmit the Dispute to non-binding mediation in the State of Iowa, in accordance\nwith the Rules of Arbitration then prevailing of the American Arbitration\nAssociation (the \xe2\x80\x9cRules\xe2\x80\x9d). The Parties will mutually agree upon the mediator.\nIf the Parties are unable to agree upon the mediator, the mediator will be\nselected by the Des Moines, Iowa office of the American Arbitration Association.\nIf the Dispute is not resolved through mediation within ten (10) business days\nafter the conclusion of the Hearing (as defined below), the Dispute may be\nsubmitted to arbitration in Des Moines, Iowa for resolution by final and binding\narbitration by a sole arbitrator under the Rules, upon written notice of demand\nfor arbitration by the Party seeking arbitration, setting forth the specifics of the\nmatter in controversy or the claim being made.\n\nSouth Dakota Residents: If you believe there have been any improprieties in\nmaking this loan or in the lender\xe2\x80\x99s loan practices, you may contact the South\nDakota Division of Banking at\n1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone\nat 605.773.3421.\nWisconsin Residents: If you are married, please contact us immediately upon\nreceipt of this Agreement at 888.4.ATIRA.1 and provide us with the name and\naddress of your spouse. We are required to inform your spouse that we have\nopened a credit account for you.\nFOR FURTHER INFORMATION\nCall Cardmember Service at 888.4.ATIRA.1. This number is also shown on your\nbilling statement and on the back of your Card.\n\n\xe2\x80\x9cHearing\xe2\x80\x9d means a hearing before the mediator during which each Party\npresents its position regarding the Dispute.\nAPPLICABLE LAW AND ENFORCING OUR RIGHTS\nApplicable Law: The terms and enforcement of this Agreement shall be\ngoverned by federal law and the law of Iowa.\nArmed Forces: Federal law provides important protections to members of the\nArmed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and\nhis or her dependent may not exceed an annual percentage rate of 36 percent.\nThis rate must include, as applicable to the credit transaction or account: The\ncosts associated with credit insurance premiums; fees for ancillary products sold\nin connection with the credit transaction; any application fee charged (other\nthan certain application fees for specified credit transactions or accounts); and\nany participation fee charged (other than certain participation fees for a credit\ncard account). To hear this disclosure orally, please call 844.697.2550.\nEnforcing this Agreement: We can delay in enforcing or fail to enforce any of\nour rights under this Agreement without losing them.\nCollection Costs: If we refer collection of your Account to a lawyer who is not\nour salaried employee, you are liable for any reasonable attorney\xe2\x80\x99s fees we\nincur, plus the costs and expenses of any legal action, to the extent applicable\nby law.\nAssignment: We may assign any or all of our rights and obligations under this\nAgreement to a third party.\nCalifornia Residents: A married applicant may apply for a separate account.\n\nThe ATIRAcredit\xe2\x84\xa2 Card is issued pursuant to a license by Mastercard\nInternational Incorporated. Mastercard and the Mastercard Brand Mark are\nregistered trademarks of Mastercard International Incorporated.\n\xc2\xa92017, TMG Financial Services, Inc. ATIRA\xc2\xae is a registered service mark\nand ATIRAcredit\xe2\x84\xa2 is a service mark of The Members Group, LLC.\n\n\x0c'