b"Information is accurate as of June 30, 2021\n\nCardmember Agreement for Ollo\xc2\xae Credit Cards\nThese documents are being provided to you for informational purposes only. There are two parts to our Cardmember\nAgreement: The PRICING INFORMATION ADDENDUM and the CARDMEMBER AGREEMENT. The Pricing Information\nAddendum shows a range of terms that may be offered on new accounts. The terms that apply to you will differ depending\non your specific card offer. The Cardmember Agreement contains important information related to consumer credit cards\nissued by The Bank of Missouri and serviced as Ollo card.\n\nPRICING INFORMATION ADDENDUM\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n24.99% - 27.99%\nThe APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n24.99% - 27.99%\nThe APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n24.99% - 27-99%\nThe APR will vary with the market based on the Prime Rate.\n\nPenalty APR\n\nNone\n\nPaying Interest\n\nMinimum Interest Charge\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you interest on Purchases if you pay your entire balance by the due date\neach month. We will begin charging interest on Cash Advances and Balance\nTransfers on the transaction date.\nIf you are charged interest, the charge will be no less than $1.50.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$0 to $39\n\nTransaction Fees\n\xef\x82\xb7 Balance Transfer\n\nEither $5 or 4% of the amount of each Balance Transfer, whichever is greater.\n\n\xef\x82\xb7\n\nCash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xef\x82\xb7\n\nForeign Transaction\n\nNone\n\nPenalty Fees\n\xef\x82\xb7 Late Payment\n\nUp to $40\n\n\x0c\xef\x82\xb7\n\nReturned Payment\n\nNone\n\n\xef\x82\xb7\n\nOver the Limit\n\nNone\n\nHow We Will Calculate Balances: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases)\xe2\x80\x9d, as more\nfully explained in the Cardmember Agreement.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\nCardmember Agreement.\nVariable APRs for this Account are calculated by adding a Margin to the Prime Rate index. As of June 30, 2021, the Prime\nRate was 3.25%.\n\nCARDMEMBER AGREEMENT\nYOUR CREDIT CARD AGREEMENT WITH US\nThis document, along with the Account Summary Table enclosed with your credit card, together constitute your\nCardmember Agreement (the \xe2\x80\x9cAgreement\xe2\x80\x9d) that establishes the terms of your credit card Account (\xe2\x80\x9cAccount\xe2\x80\x9d) with us.\nPlease read it carefully and keep it for your records. You accept this Agreement if you do not cancel your Account within 30\ndays after receiving a Card, or when you or an Authorized User use the Account. To help prevent unauthorized use of your\nCard, please sign the back of your Card.\nIn this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to each person who has applied for the Account and any other person\nwho has agreed to be responsible for the Account. The words \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d refer to The Bank of Missouri, its agents,\nsuccessors or assigns and its service providers. \xe2\x80\x9cCard\xe2\x80\x9d refers to each MasterCard Card that is issued by us for your\nAccount. The term \xe2\x80\x9cCheck\xe2\x80\x9d refers to a convenience check, a written Credit Device that we may issue to you. The term\n\xe2\x80\x9cCredit Device\xe2\x80\x9d refers to a Check, payee-designated check, draft, order, or other instrument or transaction that accesses\nthe Account, other than a Card. Any Card or Credit Device must be destroyed or returned to us immediately upon our\nrequest.\nFEATURES AND USE OF YOUR ACCOUNT\nYou may use your Card or Account to make Purchases, Balance Transfers and Cash Advances under this Agreement. You\nmay use this Account for personal, family or household purposes.\nA \xe2\x80\x9cPurchase\xe2\x80\x9d is the use of the Account to buy or lease goods or services, or the use of the Account to make a transaction\nthat is not otherwise a Balance Transfer or Cash Advance.\nA \xe2\x80\x9cBalance Transfer\xe2\x80\x9d is the use your Account or a Credit Device to pay amounts you owe under accounts with other\ncreditors.\nA \xe2\x80\x9cCash Advance\xe2\x80\x9d is the use your Card or a Check (which you sign as drawer, like a personal check) to obtain cash loans\nfrom any financial institution that accepts the Card. Checks will not be subject to any stop payment order and will not be\nreturned to you. Each Check may be used only by the person(s) whose name(s) is/are printed on it. You may not use any\nCheck we issue to you to pay any amount you owe under your Cardholder Agreement or under any other credit agreement\nor account you may have with us. The following transactions will also be treated as Cash Advances under this Agreement:\n\xef\x82\xb7 obtaining cash from a participating Automated Teller Machine (\xe2\x80\x9cATM\xe2\x80\x9d);\n\xef\x82\xb7 obtaining cash from participating financial institutions nationwide that have agreed with MasterCard to allow you to\nuse your Card to obtain cash;\n\xef\x82\xb7 obtaining money orders, wire transfers, casino or gaming chips, travelers\xe2\x80\x99 checks, foreign currency, vouchers\nredeemable for cash or similar items.\nYou may not use your Card or Account for online or internet gambling or for any illegal purpose.\nINTEREST RATES\nWhen your Account has a Balance Subject to Interest (as described in Section labeled \xe2\x80\x9cHow we Calculate Your Interest\nCharges\xe2\x80\x9d), we will calculate interest by applying a daily periodic rate to that balance. This Agreement provides for the\ncompounding of interest. If you owe interest in any billing cycle, the charge will be no less than the minimum interest\ncharge stated in the Account Summary Table.\n\n\x0cPeriodic Rates: We will use one or more daily periodic rates (\xe2\x80\x9cDPRs\xe2\x80\x9d) to calculate how much interest you owe. Your DPRs\nand corresponding Annual Percentage Rates (\xe2\x80\x9cAPRs\xe2\x80\x9d) will vary. The DPR is a rate equal to the APR divided by 365. The\ncurrent DPRs and corresponding APRs for Purchases, Cash Advances and Balance Transfers, including any applicable\npromotional rates, are shown with the Account Summary Table.\nVariable Rate Information: Except as provided in a promotional offer, the periodic rates and corresponding APRs on your\naccount will vary with the market based on the highest domestic bank \xe2\x80\x9cPrime Rate\xe2\x80\x9d as published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d\nsection of The Wall Street Journal (the \xe2\x80\x9cPrime Rate\xe2\x80\x9d). We determine your APRs for each billing cycle by adding the\n\xe2\x80\x9cMargins\xe2\x80\x9d shown in the Account Summary Table to the Prime Rate on the last business day of the month. An increase or\ndecrease in the Prime Rate will cause a corresponding increase or decrease to your variable rates on the first day of the\nbilling cycle that begins in the same month in which the applicable Prime Rate is published. There is no limitation on the\namount of any increase. Any such increase or decrease will cause a corresponding increase or decrease in the amount of\ninterest assessed. If The Wall Street Journal does not publish the U.S. Prime Rate, or if it changes the definition of the\nU.S. Prime Rate, we may substitute another index.\nHOW WE CALCULATE YOUR INTEREST CHARGES\nAverage Daily Balance Method (including new transactions): The \xe2\x80\x9caverage daily balance\xe2\x80\x9d for Purchases, Balance\nTransfers and Cash Advance categories are calculated separately. To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d we take the\nbeginning balance of your Account each day, add to the respective category any new Purchases, Cash Advances, Balance\nTransfers, and/or applicable fees, and subtract payments and/or credits. This gives us the daily balance for each day,\nexcept that if the daily balance is negative, we treat it as zero. We then add up all of the daily balances for each category\nand divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each balance category.\nThe interest charged for each balance category equals the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that balance category times the\napplicable DPR times the number of days in the billing cycle. The results are then added together to determine the total\ninterest charge for the billing cycle. To the extent interest comprises any part of your Average Daily Balance, compounding\nof interest will occur.\nWhen Interest Begins to accrue on Purchases, Balance Transfers and Cash Advances: Except as provided below,\ninterest on Purchases, Cash Advances and Balance Transfers accrues from the date of the transaction. If a transaction\noccurs in one billing cycle but is not posted to your Account until the next billing cycle, the transaction is added or\nsubtracted on the first day of the billing cycle in which the transaction is posted to your Account. You will not have to pay\ninterest on Purchases if you pay your New Statement Balance in full by the Payment Due Date shown on your statement,\nwhich shall not be less than 25 days after the close of the billing cycle. If you have been paying your Account balance in full\nand thereby avoiding interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment\nDue Date, in that billing cycle we will start charging interest on the unpaid portion of your balance. Unless otherwise\ndisclosed in a promotional offer, there is no period in which credit extended may be paid without incurring interest on Cash\nAdvances or Balance Transfers.\nFEES\nAnnual Fee: If applicable, you agree to pay us when billed each year (subject to applicable federal law) a non-refundable\nAnnual Fee in the amount stated in the Account Summary Table. Your payment of this fee will not affect any of our rights\nunder this Agreement, including our right to terminate your Account.\nTransaction Fees: Unless otherwise disclosed in a promotional offer, we will charge a one-time transaction fee for each\nBalance Transfer and Cash Advance. The calculation of these fees is described in the Account Summary Table. The fee for\na Balance Transfer will be added to your Balance Transfer balance. The fee for a Cash Advance will be added to your Cash\nAdvance balance.\nLate Fees: If we do not receive a payment from you in at least the amount of your Minimum Payment Due by the Payment\nDue Date shown on your statement, we may charge you a Late Fee (as described in your Account Summary Table). The\namount of the Late Fee will be $29 for the first occurrence and $40 for any subsequent occurrence within six (6) billing\ncycles. The Late Fee will not exceed the lesser of the amount stated in the Account Summary Table or the amount of the\nMinimum Payment Due when the payment was late.\nAdministrative Fees: You may be charged for the expedited mailing or replacement of your Card. These fees will be\ndisclosed to you at the time of the request.\nMILITARY LENDING ACT\n\n\x0cThis section includes information regarding the Military Lending Act, which provides protections for certain members of the\nArmed Forces and their dependents (\xe2\x80\x9cCovered Borrowers\xe2\x80\x9d). The provisions of this section apply only if you are a Covered\nBorrower at the date of your Account opening.\nStatement of Military Annual Percentage Rate (\xe2\x80\x9cMAPR\xe2\x80\x9d): Federal law provides important protections to members of the\nArmed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a\nmember of the Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36%. This rate must\ninclude, as applicable to the credit transaction or Account: (1) the costs associated with credit insurance premiums; (2) fees\nfor ancillary products sold in connection with the credit transaction; (3) any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and (4) any participation fee charged (other than certain\nparticipation fees for a credit card account). If you are a Covered Borrower, you may call 1-866-709-4668 to hear important\ninformation about the Military Lending Act and your Account.\nOBLIGATIONS ON YOUR ACCOUNT\nYou authorize us to pay and charge your Account for all Purchases, Balance Transfers and Cash Advances made or\nobtained by you or anyone you authorize or by anyone who has apparent authority to use your Card or Account. You\npromise to pay us for all of these Purchases, Balance Transfers and Cash Advances, plus any interest assessed on your\nAccount and any other charges and fees you may owe under the terms of this Agreement. You will be obligated to pay\nauthorized charges to your Account whether resulting from (a) actual use of your Card or a Credit Device, (b) mail order or\ntelephone, internet or other electronic Purchases made without presenting the Card or (c) any other circumstance where\nyou authorize a charge, or authorize someone else to make a charge, to your Account.\nCREDIT LIMIT\nYou may use your Account to make Purchases and Balance Transfers (as such Balance Transfers may be offered to you\nfrom time to time) up to the amount of your Credit Limit. You may use your Account to make Cash Advances up to the\namount of your Cash Access Limit. Your Cash Access Limit is the portion of your overall Credit Limit which we make\navailable from time to time for Cash Advances. Your Credit Limit and Cash Access Limit are provided to you with your Card\nand on every monthly statement. We may change any applicable Credit Limit and Cash Access Limit from time to time.\nYou agree not to make a transaction on your Account that would cause the unpaid balance of your Account (including\ninterest, fees and other charges) to exceed its applicable limit. We may honor Purchases, Balance Transfers and Cash\nAdvances in excess of the applicable Credit Limit at our sole discretion. If we do, this Agreement also applies to that excess\nand you agree to pay that excess immediately upon request. The fact that we may at any time honor a Purchase, Balance\nTransfer or Cash Advance in excess of the applicable Credit Limit does not obligate us to do so again.\nSubject to any restrictions under applicable law, you agree that we may change or cancel any applicable Credit Limit at any\ntime without affecting your obligation to pay all amounts owed under this Agreement. For security reasons, we may limit the\nnumber or dollar amount of transactions that may be accomplished with your Card, Account or any Credit Device, and we\nhave the right to limit authorizations to complete such transactions if we consider it necessary to verify payments received.\nMONTHLY STATEMENTS\nWe will send a billing statement at the end of each monthly billing cycle in which your Account has a debit or credit balance\nof more than $1 or if interest has been imposed, or as required by applicable law. Among other things, your statement will\nshow your New Statement Balance, any interest assessed, any Credit Limit(s) and credit available, the minimum amount\nyou must pay (\xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d) and the date when payment is due (\xe2\x80\x9cPayment Due Date\xe2\x80\x9d). Interest and fees,\nhowever, will continue to accrue whether or not we send you a statement.\nYOUR PAYMENT OBLIGATIONS\nExcept as otherwise provided in this Agreement or any promotional offer, you must pay at least the Minimum Payment Due\neach billing cycle by its Payment Due Date. Payments must conform to the requirements set forth on the monthly\nstatement; these requirements may vary without prior notice. All payments must be made in U.S. dollars. Any payment\nmade by check or other negotiable instrument must be drawn on a U.S. bank or a U.S. branch of a foreign bank or we will\nreject the payment. We may also reject any payment we receive if your account has a credit balance as of the day we\nreceive that payment. Your payment will not be considered received by us if the payment is later dishonored. Payments\nposted to your Account may not immediately result in additional available credit; we may delay increasing your available\ncredit by up to ten days.\nYou may pay more than the Minimum Payment Due and may at any time pay the full amount you owe us without penalty. If\nyou overpay or your Account has a credit balance, we will not pay interest on such amounts. Any Minimum Payment or\nadditional amount you pay each month will not prepay any future Minimum Payments required, or alter your obligation to\nmake at least a Minimum Payment by the Payment Due Date. Generally, credits to your account, such as those generated\nby merchants, are not treated as payments and will not reduce the Minimum Payment Due.\n\n\x0cHOW WE DETERMINE THE MINIMUM PAYMENT DUE\nIf the New Statement Balance shown on your monthly statement is less than $27, your Minimum Payment Due (due by the\nPayment Due Date) will be your New Statement Balance. Otherwise, the Minimum Payment Due for each billing cycle will\nbe the greater of $27 or the total of (1) 1% of the New Statement Balance, plus (2) any Interest Charges, plus (3) any Late\nFee. We will also include any past due amounts from prior billing cycles in your Minimum Payment Due as applicable. We\nwill round the amount of your Minimum Payment Due up to the next highest dollar.\nWHEN YOUR PAYMENT WILL BE CREDITED\nWe credit mailed payments as of the date received, if the payment is: (1) received by 5 p.m. local time at the address\nshown on the remittance slip on the front of your statement; (2) paid with a check drawn in U.S. dollars on a U.S. financial\ninstitution or a U.S. dollar money order; and (3) sent in the return envelope with only the remittance portion of your\nstatement accompanying it. Payments received by mail after 5 p.m. local time at the remittance address on any day\nincluding the Payment Due Date, but that otherwise meet the above requirements, will be credited as of the next day. Credit\nfor any other payments may be delayed up to 5 days.\nHOW WE WILL ALLOCATE YOUR PAYMENT\nSubject to any restrictions of applicable law, we will apply your payments to the balances on your Account in whatever\nmanner we determine. Generally, if your Account has balances (including new transactions) with different APRs, we will\nallocate the amount of your payment equal to the Minimum Payment Due to the lowest APR balances first. Payment\namounts that exceed the Minimum Payment Due will be allocated to balances with higher APRs before balances with lower\nAPRs.\nIRREGULAR PAYMENTS\nWe can accept late payments, partial payments, checks and money orders marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or language having the\nsame effect without losing any of our rights under this Agreement including our right to collect all sums you owe us. No\npayment shall operate as an accord and satisfaction without our prior written approval. All written communications\nconcerning disputed amounts, including any check or other payment instrument that indicates that the payment constitutes\n\xe2\x80\x9cpayment in full\xe2\x80\x9d of the amount owed, or that is tendered with other conditions or limitations, or as full satisfaction of a\ndisputed amount, must be mailed or delivered to Ollo Card Services, PO Box 9222, Old Bethpage, NY 11804. In addition,\nyou may not postdate a Check; if you do, we may honor it or return it unpaid, without waiting for the date shown on the\nCheck\nDEFAULT\nSubject to any restrictions of applicable law, your Account will be in default and we may demand immediate payment of the\nentire amount you owe us without giving you prior notice if: (a) in any month we do not receive your Minimum Payment Due\nby the Payment Due Date; (b) you otherwise fail to comply with this Agreement; (c) you become a \xe2\x80\x9cdebtor\xe2\x80\x9d under the U.S.\nBankruptcy Code; (d) you die or become incapacitated; or (e) we believe in good faith that the payment or performance of\nyour obligations under this Agreement is impaired for any other reason.\nCOLLECTION COSTS\nTo the extent the state where you live permits the charging of such fees and costs, you agree to pay all collection expenses\nactually incurred by us in the collection of amounts you owe under this Agreement (including court costs and the fees of any\ncollection agency to which we refer your Account) and, if we refer your Account after your default to an attorney who is not\nour regularly salaried employee, you agree to pay the reasonable fees of such attorney.\nWE MAY SUSPEND OR TERMINATE YOUR ACCOUNT\nSubject to any restrictions of applicable law, we may suspend or close or otherwise terminate your Account or limit your\nright to use the Account at any time for any reason, even if you are not in default. If we ask, you must destroy your Cards\nand any unused Credit Devices. You agree that you will not try to make a Purchase, obtain a Cash Advance or initiate a\nBalance Transfer after you have been notified that your privilege to use your Account has been terminated. We will not be\nobligated to honor any attempted use of your Account if default has occurred or we have determined to terminate your\nAccount or limit your Account privileges. You may close your Account at any time by notifying us in writing or by telephone.\nIf you do, you must destroy all Cards and Credit Devices previously issued on the Account. Your obligations under this\nAgreement continue even after the Account is closed (whether by you or us) and you will remain liable for all amounts owed\nunder the terms of this Agreement including any transactions after your account is closed which we believe you have\nauthorized. When your Account is closed, it is your responsibility to contact anyone you have authorized to charge\ntransactions to your Account to change the billing, such as recurring merchant billers and subscription services.\nREFUSAL TO HONOR CARD\n\n\x0cWe are not responsible for refusals to honor your Card or Credit Devices. And, except as otherwise required by applicable\nlaw or regulation, we will not be responsible for merchandise or services purchased or leased through use of your Account.\nNOTICES\nWe will send statements and any other notices to you at the address shown in our files, or if you have opted for electronic\ndelivery, we will send eligible documents to the email address you provided or make available to you online. You promise to\ninform us promptly in writing or by telephone of any change in your mailing address and/or email address. We may, at our\ndiscretion, accept address corrections from the United States Postal Service or others.\nTRANSACTIONS IN FOREIGN CURRENCIES\nYou may use your Card, Account or Credit Device for Purchases and Cash Advances made in currencies other than U.S.\nDollars from participating MasterCard merchants. We and MasterCard (or their affiliates) will convert transactions in foreign\ncurrencies into U.S. Dollars. MasterCard will use their currency conversion procedures that are current at the time of the\ntransaction. Currently, MasterCard selects a rate from the range of rates available in the wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate MasterCard itself receives, or the government\nmandated rate in effect for the applicable central processing date. The currency conversion rate used on the conversion\ndate may differ from the rate in effect on the date you used your Card or Account.\nADJUSTMENTS TO MINIMUM MONTHLY PAYMENTS\nFrom time to time, we may let you skip or reduce one or more Minimum Payments Due and we will notify you when these\noptions are available. This may occur, for example, if we are working with borrowers affected by a federally declared\ndisaster. If in response to our notification you omit a payment or make a reduced payment, interest charges, applicable\nfees, and other regular transactions, if any, will accrue on your account balances in accordance with this Agreement. Any\nreduced payment amount offered may be less than your interest charges. You must make the reduced payment amount on\ntime to avoid a Late Fee.\nWE MAY AMEND THIS AGREEMENT\nSubject to applicable law, we can amend the terms of this Agreement by changing terms, adding new terms, or deleting\nterms from this Agreement at any time. We will give you notice of an amendment as required by applicable law. As\npermitted by applicable law, any amendment of this Agreement will become effective at the time stated in our notice. Unless\nwe state otherwise, the amended terms will apply to all outstanding balances on your Account as well as to new\ntransactions to the extent permitted by applicable law.\nCOLLECTING AND SHARING; CREDIT REPORTING; INACCURATE INFORMATION\nYou agree that we may request consumer credit reports from one or more credit reporting agencies (e.g., credit bureaus) at\nany time and to use these reports for any reason, including to administer and review your Account, to consider you for\noffers of other products and services, and to collect your Account. You also authorize us to exchange credit information\nconcerning you or your Account with (and answer questions and requests from) others, such as merchants, other creditors\nand credit reporting agencies. From time to time we may request employment and income data from third parties for the\nongoing administration of your Account. We may report information about your Account to credit bureaus. Late payments,\nmissed payments, or other defaults on your Account may be reflected on your credit report. If you believe that we have\ninformation about you that is inaccurate or that we have reported or may report to a credit reporting agency\ninformation about you that is inaccurate, please notify us of the specific information that you believe is inaccurate\nby writing to us at Ollo Card Services, PO Box 9222, Old Bethpage, NY 11804. Please include your name, address,\nhome phone number, and account number and explain what you believe is incomplete or inaccurate.\nTELEPHONE CALLS AND TEXT MESSAGES REGARDING YOUR ACCOUNT. You agree that we may monitor and/or\nrecord any of your phone conversations with any of our representatives. We may use automated telephone dialing, text\nmessaging systems and electronic mail to provide messages to you about payment due dates, missed payments,\noptions to amend this Agreement and other important information. The telephone messages are played by a machine\nautomatically when the telephone is answered, whether answered by you or someone else. These messages may also\nbe recorded by your answering machine. You understand that the text messages we send may be seen by anyone with\naccess to your phone. Accordingly, you should take steps to safeguard your phone and your text messages if you want\nthem to remain private. Please do not send confidential information via text message. By providing us with your cell or\nmobile telephone number, you authorize us to contact you from time to time regarding your application and Account at\nthat number using text messages. You further agree that such telephone calls and text messages are not unsolicited\ncalls for purposes of applicable law. Standard text messaging and/or calling charges by your communications carrier\nmay apply.\n\n\x0cHOW TO UPDATE YOUR RECORDS. Notify us immediately if you change mobile or cell phone numbers or plan to give\nyour phone to someone else. It is your responsibility to provide us with a true, accurate and complete mobile number and\nto maintain and update promptly any changes in this information. You can update your mobile number by calling us at\nthe phone number on the back of your Card. You further agree to indemnify, defend and hold us, our subsidiaries,\naffiliates, officers, agents and other partners and employees harmless from and against any and all claims, losses,\nliability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a mobile phone number\nthat is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation\nunder this paragraph shall survive termination of the Agreement. SMS (text message) notifications are provided for your\nconvenience only.\nBENEFITS\nYou may be offered certain benefits and services with your Account, such as those provided by MasterCard. Any benefits\nor services are not a part of this Agreement. They are subject to the terms and restrictions described in the Guide to\nBenefits and other official documents provided to you by us or on our behalf. We may change, add or remove benefits and\nservices at any time and without notice to you.\nPURPOSES FOR USING YOUR ACCOUNT\nYou may not use this Account to make a payment on this or any other credit account with us or our affiliates. You may not\nuse or permit your Account to make any illegal transaction. You will only use your Account for transactions that are legal\nwhere you conduct them. For example, internet gambling transactions may be illegal in your state. Display of a payment\ncard logo by an online merchant does not mean that an internet transaction is legal where you conduct it. We may charge\nyour Account for such transactions. We will not be liable if you engage in an illegal transaction. We may deny authorization\nof any transaction identified as internet gambling. You may not use your Card, Account or Credit Device to conduct\ntransactions in any country or territory, or with any individual or entity that is subject to economic sanctions administered\nand enforced by the U.S. Department of the Treasury\xe2\x80\x99s Office of Foreign Asset Control (OFAC). Use of your Card in those\ncountries will be blocked.\nPERSONS USING YOUR ACCOUNT\nIf you permit any person to use your Card, Check, Account number, or other Credit Device giving them the authorization to\nobtain credit on your Account, you will be liable for all transactions made by that person including transactions for which you\nmay not have intended to be liable, even if the amount of those transactions causes a credit line to be exceeded.\nAuthorized users of the Account may have the same access to information about the Account and its users as the Account\nholders. Notice to you shall be deemed notice to all cardholders, including authorized users. You may allow authorized\nusers on your Account in the following ways: (1) by notifying us that you want someone added to your Account as an\nauthorized user; (2) by lending your card or Account number to another; or (3) by any other ways in which you would be\nlegally considered to have allowed another to use your Account or to be legally prevented from denying that you did so.\nYou must think carefully before you allow anyone to become an authorized user. By doing so, you authorize the person to\nuse your Account to the same extent you can, including but not limited to, making any Purchases, Cash Advances, and\nallowing others to use your Account. Your Account does not permit you to limit the nature or amount of authority you give\nany authorized user and you will not attempt to do so. An authorized user\xe2\x80\x99s authority will continue until you both notify us\nthat you are terminating the authority and you physically retrieve the Card. If you cannot retrieve the Card, you remain liable\nfor any transactions that we cannot prevent after you notify us. We may at our sole discretion limit the number of authorized\nusers on your Account, and decline to add an authorized user to your Account.\nLIABILITY FOR UNAUTHORIZED USE OF YOUR CARD OR ACCOUNT\nIf you notice the loss or theft of your Card or a possible unauthorized use of your Card or Account, call us immediately toll\nfree at 1-877-494-0020 or write to us at Ollo Card Services, PO Box 9222, Old Bethpage, NY 11804.\nWE MAY SELL YOUR ACCOUNT OR ACCOUNT BALANCES\nWe may at any time and without notice to you sell, assign or transfer your Account, any sums due on your Account, this\nAgreement, or our rights or obligations under this Agreement. The person(s) to whom we make any such assignment shall\nbe entitled to all of our rights and assume our obligations under this Agreement, to the extent assigned. You may not assign\nyour Account or any of your rights or obligations under this Agreement.\nNO WAIVER; ENTIRE AGREEMENT Our failure to exercise any of our rights under this Agreement, our delay in enforcing\nany of our rights, or our waiver of our rights on any occasion shall not constitute a waiver of such rights on any other\noccasion. This Agreement, together with all documents incorporated herein, is the entire agreement between you and us\nrelating to your Account. This Agreement cannot be changed except as explained in this Agreement.\nGOVERNING LAW\n\n\x0cThis Agreement and your Account, and any claim, dispute or controversy arising from or relating to this Agreement or your\nAccount, are governed by the laws of the State of Missouri including but not limited to Missouri Statute 408.145 (without\nregard to Missouri\xe2\x80\x99s conflicts of law principles) and applicable federal law.\nHEADINGS; CAPTIONS\nSection and paragraph headings and captions used in this Agreement are for convenience and reference purposes only,\nand do not limit or affect the meaning of the provisions in this Agreement. Unless the context specifically requires otherwise,\nthe use of the singular in this Agreement includes the plural (and vice versa).\nINQUIRIES OR QUESTIONS\nYou may address any inquiries or questions which you have about your Account to Ollo Card Services, PO Box 9222, Old\nBethpage, NY 11804, or you may call us at 1-877-494-0020. If you contact us by telephone instead of writing, you may lose\ncertain rights the law gives you to dispute billing errors (see the billing rights notice below).\nARBITRATION AND WAIVER OF JURY TRIAL\nTHIS AGREEMENT PROVIDES FOR BINDING ARBITRATION AND WAIVER OF JURY TRIAL.\nBY ACCEPTING THE CARDMEMBER AGREEMENT, YOU AGREE TO THIS ARBITRATION AND WAIVER OF JURY\nTRIAL (THE \xe2\x80\x9cARBITRATION PROVISION\xe2\x80\x9d), AND FURTHER ACKNOWLEDGE AND AGREE THAT YOU ARE WAIVING\nTHE FOLLOWING RIGHTS, AS MORE FULLY DESCRIBED IN THIS ARBITRATION PROVISION:\n(A) YOU WAIVE THE RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST US;\n(B) YOU WAIVE THE RIGHT TO HAVE A COURT OTHER THAN A SMALL CLAIMS TRIBUNAL RESOLVE ANY\nDISPUTE AGAINST US; AND\n(C) YOU WAIVE THE RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN\nANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF\nCLAIMANTS, IN ANY LAWSUIT FILED AGAINST US.\nTHIS ARBITRATION PROVISION DOES NOT APPLY TO YOU IF, AS OF THE DATE OF YOUR ACCOUNT OPENING,\nYOU ARE A MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH MEMBER ENTITLED TO\nPROTECTION UNDER THE FEDERAL MILITARY LENDING ACT.\nAccordingly, all disputes against us and/or related third parties shall be resolved by binding arbitration only. Disputes shall\nbe resolved on an individual basis with you. Therefore, the arbitrator shall not have the power to conduct class action\narbitration or to consolidate claims of multiple parties; that is, the arbitrator shall not allow you to serve as a representative,\nas a private attorney general, or in any other representative capacity for others in the arbitration\nIf either you or we elect to pursue any Claim by either you or us against the other, then the Claim shall be resolved\nexclusively by arbitration. Alternatively, you or we may pursue a Claim within the jurisdiction of the small claims court in\nyour home jurisdiction; provided, however, that the action remains in that court, is made on behalf of or against you only,\nand is not made part of a class action, private attorney general action or other representative or collective action.\n\xe2\x80\x9cArbitration\xe2\x80\x9d is a process in which a person with a dispute waives their rights to file a lawsuit and proceed in court and to have\na jury trial to resolve their disputes and agrees, instead, to submit their disputes to a neutral third person (an \xe2\x80\x9carbitrator\xe2\x80\x9d) for\ndecision. Each party to the dispute has an opportunity to present evidence to the arbitrator. Pre-arbitration discovery may\nbe limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a final and binding\ndecision resolving the dispute, which may be enforced as a court judgement.\nFor purposes of this Arbitration Provision, \xe2\x80\x9cClaim\xe2\x80\x9d means any claim, dispute or controversy arising from or relating in any\nway to this Agreement or your Account, or their establishment, or any transaction or activity on your Account, including\n(without limitation) Claims based on contract, tort (including intentional torts), fraud, agency, negligence, statutory or\nregulatory provisions or any other source of law (except as otherwise specifically provided in this Agreement). Claims\nregarding the applicability of this arbitration provision or the validity of the entire Agreement, shall be resolved exclusively by\narbitration except that any challenge to the enforceability or validity of the class action waiver above shall be decided only\nby a court. The term \xe2\x80\x9cyou\xe2\x80\x9d includes yourself, any authorized user on the Account, and any of your agents, beneficiaries or\nassigns, or anyone acting on behalf of the foregoing. The term \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes our employees, parents, subsidiaries,\naffiliates, beneficiaries, agents (people who work for us but are not our employees, such as those who help us in originating\nand servicing your Loan) and assigns, and to the extent included in a proceeding in which we are a party, our service\nproviders and marketing partners. You agree that any agents retained by us, the operator of the website where you\nsubmitted your application, and the purchaser(s) of any balances of your Account are express third\xe2\x80\x93party beneficiaries of\nthis Arbitration Provision, and are entitled to enforce it to the same extent if they were a party to this Agreement.\n\n\x0cThe arbitration shall be administered by the American Arbitration Association, www.adr.org, 950 Warren Avenue, East\nProvidence, Rhode Island, 02914 (the \xe2\x80\x9cAdministrator\xe2\x80\x9d). The Administrator provides information about arbitration, its\narbitration rules and procedures, fee schedule and claims forms at its web site or by mail as set forth above. The\nAdministrator will apply the rules and procedures in effect and applicable to the claim at the time the arbitration is filed. The\nClaim will be heard before a single arbitrator. The arbitration will not be consolidated with any other arbitration proceedings.\nThe Administrator shall resolve each dispute in accordance with applicable law.\nIf you commence arbitration, you must provide us the notice required by the Administrator\xe2\x80\x99s rules and procedures. The\nnotice may be sent to us at Ollo Card Services, PO Box 25047, Wilmington, DE 19899. If we commence arbitration, we will\nprovide you notice at your last known billing address. We agree to honor a request by you to remove the action to a small\nclaims court; provided, however, that we receive the request within thirty days of the notice of commencement of arbitration.\nAny arbitration hearing at which you appear will take place at a location within the federal judicial district that includes your\nbilling address at the time the Claim is filed.\nThis arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the\nFederal Arbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa7 1-16. No class actions, joinder or consolidation of any Claim with a Claim of any other\nperson or entity shall be allowable in arbitration, without the written consent of both you and us. In the event that there is a\ndispute about whether limiting arbitration of the parties' dispute to non-class proceedings is enforceable under applicable\nlaw, then that question shall be resolved by litigation in a court rather than by the arbitrator; and to the extent it is\ndetermined that resolution of a Claim shall proceed on a class basis, it shall so proceed in a court of competent jurisdiction\nrather than in arbitration.\nA party can file with the Administrator a written appeal of a single arbitrator\xe2\x80\x99s award within 30 days of award issuance,\nrequesting a new arbitration in front of three neutral arbitrators designated by the Administrator. The panel will reconsider all\nfactual and legal issues, following the same rules of procedure, and will make decisions based on majority vote. Any final\narbitration award will be binding on the named parties and enforceable by any court having jurisdiction. Judgment upon any\narbitration award may be entered in any court having jurisdiction.\nWe will pay, or reimburse you for, all fees or costs to the extent required by law or the rules of the Administrator. Whether\nor not required by law or such rules, if you prevail at arbitration on any Claim against us, we will reimburse you for any fees\npaid to the Administrator in connection with the arbitration proceedings. Under no circumstances will we seek from you\npayment or reimbursement of any fees that we incur in connection with arbitration. In addition, in any arbitration that you\nelect to file that could be heard in Small Claims Court in your jurisdiction, we will pay the filing fees and other arbitration fees\nabove the cost of filing in that Small Claims Court. If you are required to advance any fees or costs to the arbitration\nAdministrator, but you ask us to do so in your stead, we will consider and respond to your request.\nThis arbitration agreement applies to all Claims now in existence or that may arise in the future, and it survives the\ntermination of this Agreement and the Account relationship, including your payment in full, and your filing of bankruptcy.\nNothing in this Agreement shall be construed to prevent any party\xe2\x80\x99s use of (or advancement of any claims, defenses, or\noffsets in) bankruptcy or repossession, replevin, judicial foreclosure or any other prejudgment or provisional remedy relating\nto any collateral, security or property interests for contractual debts now or hereafter owed by either party to the other under\nthis Agreement.\n\nEND OF CARDMEMBER AGREEMENT\nYOUR BILLING RIGHTS\nKeep This Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit 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:\nOllo Card Services;\nPO Box 9222,\nOld Bethpage, NY 11804\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\n\x0c\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 what you believe is wrong and why you believe it\nis 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 want to stop payment on the amount you think\nis wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential errors and you may have to pay the 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 letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain 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 any amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to 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 the 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 interest 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 in question, along with applicable interest and\nfees. We will send you a statement of the amount that you owe and the date payment is due. We may then report you as\ndelinquent 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 to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We\nmust tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question, even if your bill is\ncorrect.\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 your credit card and you have tried in good\nfaith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\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 of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify. 3. 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 purchase, contact us in writing at:\nOllo Card Services;\nPO Box 9222,\nOld Bethpage, NY 11804\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we\nwill tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n\xc2\xa92021 Ollo Card Services. Ollo\xc2\xae is a registered trademark of Ollo Card Services.\nMastercard is a registered trademark of Mastercard International Incorporated, and is used by us pursuant to a license.\n\n\x0c"


b'Milestone\xc2\xae Gold Mastercard\xc2\xae Account\nThe Bank of Missouri\n\nM-133852\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n29.90%\n\nAPR for Cash Advances\n\n29.90%\n\nPenalty APR and When It\nApplies\n\nNone.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth. We will begin charging interest on cash advances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nSet Up and Maintenance Fees\n\nNOTICE: Some of these set up and maintenance fees will be assessed before you begin\nusing your card and will reduce the amount of credit you initially have available. Based\non the credit line of $500, your initial available credit will be only about $375.\nYou may reject this plan, provided that you have not yet used the account or paid a fee\nafter receiving a billing statement. If you do reject this plan, you are not responsible for\nany fees or charges.\n\n\xe2\x80\xa2 Annual Fee\n\n$125 the first year; $125 thereafter\n\nTransaction Fees\n\xe2\x80\xa2 Cash Advance Fee\n\n$5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100)\n\n\xe2\x80\xa2 Foreign Transaction Fee\n\n1% of each transaction in U.S. dollars\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment Fee\n\nUp to $40\n\n\xe2\x80\xa2 Overlimit Fee\n\nUp to $40\n\n\xe2\x80\xa2 Returned Payment Fee\n\nUp to $40\n\nHow We Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See your\nCardholder Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\nCardholder Agreement.\n\n\x0cMilestone\xc2\xae Gold Mastercard\xc2\xae Cardholder Agreement\n\nM-133500\n\nDear Cardholder:\nThis Agreement, as defined below, is your contract for your Account and:\n\xef\x82\xb7 Covers the terms that govern the use of your Account;\n\xef\x82\xb7 Outlines both your responsibilities and ours;\n\xef\x82\xb7 Includes certain disclosures required by the Federal Truth in Lending Act;\n\xef\x82\xb7 Includes certain disclosures required by the Federal Military Lending Act;\n\xef\x82\xb7 Includes an Arbitration of Disputes Provision that will substantially affect your rights unless you reject it; and\n\xef\x82\xb7 Contains important information about your Account.\nWe encourage you to read the Agreement and keep it for your records. Please feel free to call us with any questions\nyou may have. We look forward to serving you.\n\nCARDHOLDER AGREEMENT\nThis Agreement contains the terms that govern the use of your Milestone Gold Mastercard Account and outlines both\nyour responsibilities and ours. Please read it in its entirety and keep it for your reference. In addition, any written\napplication, acceptance certificate or other request you signed or otherwise submitted for this Account (the\n\xe2\x80\x9cApplication\xe2\x80\x9d), your Card and the Card Carrier that we send with your Card, and your signature (including any electronic\nor digital signature) on any Application, sales slip or other evidence of indebtedness on your Account, are hereby\nincorporated into and made a part of this Agreement. This Agreement begins on the earlier of (i) the date you sign or\notherwise submit an Application that is approved by us, or (ii) the first date that we extend credit to you on your Account,\nas evidenced by a signed sales slip or memorandum, a Cash Advance transaction, or otherwise.\nDefinitions. To simplify this Agreement for you, the definitions listed below will apply throughout, both in this Agreement\nand in your monthly Statements. In addition, the words you, your, and yours refer to the Cardholder(s) who holds the Card\nand is responsible for the Account, each of whom is individually and jointly obligated under this Agreement. The words\nwe, us, and our refer to The Bank of Missouri.\nAccount: The credit card account for which you were issued a Card imprinted with your Account number and that is subject\nto all of the terms and conditions of this Agreement.\nATM: Automated Teller Machine.\nBilling Cycle: The time interval covered by a monthly Statement. Each Billing Cycle is approximately 30 days in length;\nhowever, the specific period of time is described on each monthly Statement. Your Account will have a Billing Cycle even\nif a Statement is not required.\nCard: Any Milestone Gold Mastercard issued by us that you may use to obtain a Cash Advance, make Purchases, or lease\ngoods or services on credit. Use of your Account number to obtain credit will be considered a use of the Card.\nCard Carrier: The carrier that contains your Card.\nCardholder: The person to whom a Card is issued, or who has agreed to pay obligations arising from a Card issued to\nanother person.\nCash Advance: Credit extended to you in the form of a cash loan through any financial institution honoring the Card either\npresented directly or through any other credit instrument, check, device, overdraft coverage plan or ATM that we make\navailable to you or that you use. All cash equivalent transactions will be treated as Cash Advances and will be billed to the\nCash Advance segment of your Account. Transactions that we view as \xe2\x80\x9ccash equivalent transactions\xe2\x80\x9d include without\nlimitation using your Card to purchase wire transfer money orders, bets, lottery tickets, casino gaming chips, and other\nsimilar products and services.\nClosing Date: The date of the last day of a Billing Cycle.\nCredit Limit: The maximum amount of credit available to you on your Account. Your Credit Limit will be disclosed on your\nCard Carrier and your monthly Statements.\n\n\x0cPurchase: Any extension of credit to your Account for the purpose of purchasing or leasing goods or services from\nparticipating merchants.\nStatement: A monthly document we provide to you showing Account information including, among other things, Purchase\nand Cash Advance transactions, credits and debits, payments, fees, and interest charges made to your Account during a\nBilling Cycle.\nPurchases and Cash Advances. You may use your Card to purchase or lease goods or services from participating\nmerchants. You may also use your Card to obtain Cash Advances from your Account at an ATM, or by presenting it to any\ninstitution that accepts the Card for that purpose. There are dollar limitations on individual Cash Advance transactions,\nand we may set a Cash Advance Limit for your Account. Please contact us for information about the Cash Advance\nlimitations that apply to your Account. In addition, we may limit your Account to only one Cash Advance transaction per\nday.\nYou promise to pay us and are liable for all amounts resulting from the authorized use of your Card or Account, plus any\napplicable interest charges and other applicable charges or fees, payable in U.S. dollars. This includes amounts where you\ndid not sign a purchase slip or other documents for the transaction. If you use your Account number without presenting\nyour actual Card, such as for mail, telephone, or internet purchases, this will be treated the same way as if you presented\nyour Card. Your promise to pay us will apply to your estate if you die.\nWe may limit and restrict the use of the Account/Card at our discretion. Such limitations and restrictions include, but are\nnot limited to, gambling transactions, which include, but are not limited to, internet-related lottery tickets, casino\ngambling chips, off-track betting and wagers at racetracks. You remain responsible for use of your Account/Card in any\nsuch transactions.\nThe Card may only be used for valid and lawful purposes. If you use, or you authorize someone else to use, the Card or\nAccount for an unlawful or impermissible purpose, you will be responsible for such use and may be required to reimburse\nus or Mastercard for any amounts or expenses we or they incur as a result of such use.\nThe Card is and remains our property, and you will surrender it to us at any time upon request.\nYour Credit Limit. You may not use your Account in any way that would cause you to go over your Credit Limit. We may\nrefuse to authorize or accept any transaction on your Account that would cause you to exceed your Credit Limit, even if\nyou have authorized us to charge you an Overlimit Fee for doing so. We may temporarily agree to allow you to exceed\nyour Credit Limit; however, in that case you must repay the excess amount according to the terms of this Agreement. Any\ntransactions honored in excess of your Credit Limit will not result in an increase of your Credit Limit. We may at any time\nand without prior notice to you increase or decrease your Credit Limit, limit the Credit Limit for Cash Advances or take\naway your ability to obtain Cash Advances.\nMAKING PAYMENTS\nMonthly Statements. We will send a Statement at the end of each monthly Billing Cycle if there is a debit or credit balance\non your account of $1 or more, a balance on which an interest charge has been imposed, or as otherwise required by\napplicable law. You agree to pay us, or any party to whom we may transfer and assign your Account or the amounts owing\nunder your Account, in U.S. dollars according to all terms and conditions of this Agreement. Payments made by a check,\nmoney order or other negotiable instrument must be in a form acceptable to us and drawn on a U.S. financial institution.\nMonthly Minimum Payment. The Monthly Minimum Payment is 7% of your New Balance or $40 whichever is greater,\nrounded to nearest dollar. If you elect not to pay your New Balance in full, you must pay at least the Monthly Minimum\nPayment by the Payment Due Date shown on your Statement, which is at least 25 days after the Closing Date of the Billing\nCycle. Your Monthly Minimum Payment also will include any past due amounts. If your New Balance is less than or equal\nto your Monthly Minimum Payment, then your Monthly Minimum Payment will be equal to your New Balance.\nPayments should be mailed with the payment coupon and in the envelope provided and following the other instructions\non the Statement to Genesis FS Card Services, P.O. Box 84059, Columbus, GA 31908-4059. Any payment received in that\nform and at that address on or before 5:00 P.M., Eastern Time, on a normal banking day will be credited to your Account\nthat day. If your payment is received in that form and at that address after 5:00 P.M., Eastern Time, on a normal banking\nday, or any time on a non-banking day, we will credit it to your Account the next banking day. However, if your Payment\nDue Date occurs on a non-banking day, any payment received the next day which conforms to the above requirements\n\n\x0cwill not be treated as late. Please allow at least seven (7) business days for postal delivery. Payments received by us at any\nother location or in any other form may not be credited as of the day we receive them.\nIf we accept a payment at a place other than the address in the immediately preceding paragraph, we may delay the\ncrediting of the payment for up to five (5) days. This may cause you to incur Late Fees and additional interest charges, and\nmay result in your Account being declared in default.\nWe do not accept cash payments through the mail. You may not make payments with funds from your Account or any\nother credit account issued by us.\nWhen you provide a check as payment, you authorize us either to use information from your check to make a one-time\nelectronic fund transfer from your account or to process the payment as a check transaction. When we use information\nfrom your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day\nwe receive your payment and you will not receive your check back from your financial institution.\nAt any time, you may pay part or all of the full amount you owe without incurring any additional charge for prepayment.\nThe amount of any payment that exceeds your total New Balance will be applied as a credit to your Account, and any\nremaining credit balance will be refunded as required by law.\nCredit availability may be delayed at our sole discretion to ensure payment in good funds. Your available credit on your\nCredit Limit may not reflect your payments for up to 14 days.\nApplication of Payments. For each Billing Cycle, payments up to the amount of your Monthly Minimum Payment will be\nallocated in any way we determine, including to balances with lower Annual Percentage Rates before balances with higher\nAnnual Percentage Rates. We will generally apply payments up to the amount of your Monthly Minimum Payment in a\nmanner most favorable or convenient for us.\nFor each Billing Cycle, to the extent your payments exceed your Monthly Minimum Payment, we will apply these excess\namounts in the order required by applicable law.\nHOW INTEREST CHARGES ARE DETERMINED\nYour interest charge for any Billing Cycle will include the following components, the total of which constitutes your total\ninterest charge for the Billing Cycle:\n1. A Cash Advance Transaction Fee imposed on each Cash Advance transaction posted during a Billing Cycle, in an\namount equal to the greater of $5 or 5% of the amount of each Cash Advance, not to exceed $100. Any unpaid\nCash Advance Transaction Fee will be added to the calculation of your Average Daily Balance of Cash Advances.\n2. Periodic interest charge computed by applying the applicable Monthly Periodic Rate or Rates, determined as\nprovided below under Computing the Purchase and Cash Advance Balance Monthly Periodic Rates and\nCorresponding Annual Percentage Rates (APR) to:\na. your Average Daily Balance of Cash Advances (including new Cash Advances); and\nb. your Average Daily Balance of Purchases (including new Purchases).\nHowever, if the total of the amounts so computed is an amount less than $1, then a Minimum Interest Charge Fee\nof $1 will be imposed instead of such smaller amounts.\n3. A Foreign Currency Conversion Fee in an amount equal to 1% of the converted U.S. dollar amount of each\ntransaction, including Cash Advances and Purchases, that is effected in any currency other than U.S. dollars.\nWhen Interest Charges Begin to Accrue. Interest charges on Purchases will be imposed at the applicable Monthly Periodic\nRate from the date each Purchase is made, and will continue to accrue on unpaid balances as long as they remain unpaid.\nHowever, we do not assess interest charges in the following circumstances:\n1. If you paid the New Balance at the beginning of your previous Billing Cycle by the Payment Due Date during the\nprevious Billing Cycle, or if that New Balance was $0 or a credit balance, then:\na. if you pay the New Balance on your current Statement in full by the Payment Due Date in your current\nBilling Cycle, we will not assess interest charges on Purchases during your current Billing Cycle; and\nb. if you make a payment that is less than the New Balance by the Payment Due Date in your current Billing\nCycle, we will credit that payment as of the first day in your current Billing Cycle.\n2. If you had a New Balance at the beginning of your previous Billing Cycle and you did not pay that New Balance by\nthe Payment Due Date during that previous Billing Cycle, then we will not assess interest charges on any Purchases\n\n\x0cduring the current Billing Cycle if you pay the New Balance at the beginning of your current Billing Cycle by the\nPayment Due Date in your current Billing Cycle.\nPeriodic interest charges on Cash Advances will be imposed at the applicable Monthly Periodic Rate from the date each\nCash Advance is made and will continue to accrue on unpaid balances as long as they remain unpaid. There is no grace\nperiod on Cash Advances and there is no period within which to pay to avoid interest charges on Cash Advances.\nCalculating the Purchase and Cash Advance Balance Subject to Interest Charges\nAverage Daily Balance of Purchases (including new Purchases): To get the Average Daily Balance of Purchases, we take\nthe beginning Purchase balance of your Account each day, including unpaid fees, interest charges on Purchases and\nForeign Currency Conversion Fees on Purchases, add any new Purchases and new fees as of the date of transaction, and\nsubtract the applicable portion of any payments and credits as of the transaction date. On the first day of a Billing Cycle,\nwe also add any unpaid Late Fees and Overlimit Fees. This gives us the daily balance for Purchases. Then we add all these\ndaily balances for the Billing Cycle together and divide the total by the number of days in the Billing Cycle. This gives us\nthe Average Daily Balance of Purchases.\nAverage Daily Balance of Cash Advances (including new Cash Advances): To get the Average Daily Balance of Cash\nAdvances, we take the beginning Cash Advance balance of your Account each day, including unpaid interest charges on\nCash Advances and Foreign Currency Conversion Fees on Cash Advances, add any new Cash Advances as of the date of\ntransaction, add the Cash Advance Transaction Fee on any Cash Advances as of the transaction date of each Cash Advance,\nand subtract the applicable portion of any payments and credits as of the transaction date. This gives us the daily balance\nfor Cash Advances. Then we add all these daily balances for the Billing Cycle together and divide the total by the number\nof days in the Billing Cycle. This gives us the Average Daily Balance of Cash Advances.\nComputing the Purchase and Cash Advance Balance Monthly Periodic Rates and Corresponding Annual Percentage\nRates (APR)\nMonthly Periodic Rates: The Monthly Periodic Rate is calculated by dividing the APR by 12. The Purchase APR is 29.9%\nand the standard Monthly Periodic Rate for Purchases is 2.492%. The Cash Advance APR is 29.9% and the Monthly Periodic\nRate for Cash Advances is 2.492%.\nOTHER FEES\nIn addition to interest charges, a variety of fees may be applied to your Account, as set forth below.\nAnnual Fee. We will charge an initial Annual Fee of $125 to your Account on or about the date your Account is opened\nand then a renewal Annual Fee of $125 on or about each anniversary of that date. The initial Annual Fee is nonrefundable;\nthe renewal Annual Fee is also nonrefundable unless you notify us to cancel your Account within 30 days from the mailing\ndate of the billing Statement or other communication containing the renewal Annual Fee notice.\nLate Fee. If we do not receive your Monthly Minimum Payment by the Closing Date of the Billing Cycle in which the\nPayment Due Date occurs and the amount past due on your Account is more than $9.99, we will charge a Late Fee to your\nAccount. The Late Fee is $29 if you were not charged a Late Fee during any of the prior six Billing Cycles. Otherwise, the\nLate Fee is $40. The Late Fee will never exceed the amount of your most recently required Monthly Minimum Payment.\nMinimum Interest Charge Fee. If the periodic interest charge amounts computed in the How Interest Charges Are\nDetermined section are an amount less than $1, then a Minimum Interest Charge Fee of $1 will be charged instead of\nsuch smaller amounts and will be treated as a fee on your billing statement and added to your Purchases at our discretion.\nReturned Payment Fee. If any payment on your Account is returned to us unpaid for any reason, we will charge a Returned\nPayment Fee to your Account. The Returned Payment Fee is $29 if you were not charged a Returned Payment Fee during\nany of the prior six Billing Cycles. Otherwise, the Returned Payment Fee is $40. The Returned Payment Fee will never\nexceed the amount of your most recently required Monthly Minimum Payment.\nOverlimit Fee. If you elected to have overlimit coverage, we may charge an Overlimit Fee when a transaction causes you\nto go over or remain over your Credit Limit during any Billing Cycle. We may also charge you two additional Overlimit Fees\nif your New Balance remains over your Credit Limit as of the Payment Due Date in future Billing Cycles. We will only charge\nyou one Overlimit Fee per Billing Cycle, even if you go over your Credit Limit multiple times in the same Billing Cycle. The\nOverlimit Fee is $29 if you were not charged an Overlimit Fee during any of the prior six Billing Cycles. Otherwise, the\n\n\x0cOverlimit Fee is $40. The Overlimit Fee will never exceed the maximum amount you are over your Credit Limit during the\nBilling Cycle.\nDocumentation Fee. You may request a copy of a Statement previously sent to you for a Documentation Fee of $3 per\nStatement, which will be applied to your Account. Copies of sales tickets or other items posted to your Account may be\nobtained for a Documentation Fee of $10 per sales ticket or other item, which will be applied to your Account.\nNotwithstanding the foregoing, we will not impose any fee in connection with a good faith assertion of a billing error or\nother exercise of your Billing Rights (see below under \xe2\x80\x9cYour Billing Rights - Keep This Notice for Future Use\xe2\x80\x9d).\nMILITARY LENDING ACT\nThe Military Lending Act provides protections for Covered Borrowers. The provisions of this section apply to Covered\nBorrowers. If you would like more information about whether you are a Covered Borrower, you may contact us at 1-800305-0330.\nStatement of MAPR. Federal law provides important protections to members of the Armed Forces and their dependents\nrelating to extensions of consumer credit. In 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%. This rate must include, as applicable to the\ncredit transaction or account: (1) the costs associated with credit insurance premiums; (2) fees for ancillary products sold\nin connection with the credit transaction; (3) any application fee charged (other than certain application fees for specified\ncredit transactions or accounts); and (4) any participation fee charged (other than certain participation fees for a credit\ncard account).\nOral Disclosures. In order to hear important disclosures and payment information about this Agreement, you may call 1800-290-6421.\nApplicability of Arbitration of Disputes Provision. The Arbitration of Disputes Provision set forth in this Agreement does\nnot apply to Covered Borrowers.\nLOST CARDS AND UNAUTHORIZED USE\nYou will take reasonable steps to prevent the unauthorized use of your Card and Account. If your Card is lost or stolen or\nif someone else might be using it without your permission, you must tell us at once. You may tell us by calling the telephone\nnumber on the back of your Card or on your Statement or by writing us at the address on your Statement. You will not be\nresponsible for the charges made to your Account that are found by us to be unauthorized. If we reimburse your Account\nfor unauthorized charges made using your Card or Account, you will help us investigate, pursue, and get reimbursement\nfrom the wrongdoer. Your help includes giving us documents that we ask for and are acceptable to us.\nCOMMUNICATIONS\nTelephone Monitoring and Recording; Communications. You consent and agree that, except as restricted by applicable\nlaw, we may monitor and/or record telephone calls regarding your Account, suppress caller identification services, use\nprerecorded messages, and use an automated telephone dialing and announcing system. You expressly consent that we\nand our agents, any servicer, or any subsequent owner of your Account may (i) contact you at any cellular telephone\nnumber that you provided as part of your application, at any number that you later provide (including, without limitation,\nafter your Account is in a default status), or at any other number that is identified as related to you, including by text\nmessage, and (ii) use automated telephone dialing systems to initiate such contacts and/or leave recorded messages.\nIf you provide us at any time with an email contact for your Account, you agree we may use that email address to contact\nyou about your Account and may send you information about products and services related to your Account.\nWe or our representatives may contact you from time to time regarding the Account, or to ask for additional information\nabout you or your experience with us. You agree that such contacts are not unsolicited and may include contacts at your\nhome or place of employment, during weekdays, weekends or holidays, on your mobile telephone, voicemail or answering\nmachine, or by email, fax, recorded message, text message or personal visit.\nHow to Revoke Consent for Future Communications: If you want to revoke your consent to future communications as\ndescribed in the previous paragraph, you must send us a written notice that includes: (i) your name, mailing address, and\nAccount number(s); (ii) the specific telephone number(s), email address(es) and/or mailing address(es) at which you no\nlonger wish us to contact you, and (iii) the types of communications (telephone, text, email, and/or mail) for which you\n\n\x0care revoking consent. You must send this written notice to: Genesis FS Card Services, P.O. Box 4477, Beaverton, OR 97076.\nYou understand and agree that it may take up to three business days after receipt of your written notice to process your\nrequest, and that you consent to continued communications during this period of time.\nOUR RIGHTS AND HOW THEY AFFECT YOU\nMerchant Refunds. If a merchant agrees to give you a refund for goods or services purchased with your Card or Account,\nyou will accept a credit on your Account instead of a cash refund. We do not control when a merchant sends us your\nrefund and we will have a reasonable amount of time after we receive your refund to process it.\nNo Waiver of Rights; Disputed Amounts. We can accept late or partial payments without losing any of our rights under\nthis Agreement. You agree not to send us partial payments marked \xe2\x80\x9cpaid in full,\xe2\x80\x9d \xe2\x80\x9cwithout recourse,\xe2\x80\x9d or similar\nlanguage. If you send such a payment, we may accept it without losing any of our rights under this Agreement. All\nwritten communications concerning disputed amounts, including any check or other payment instrument that indicated\nthat the payment constitutes \xe2\x80\x9cpayment in full\xe2\x80\x9d of the amount owed or that is tendered with other conditions or\nlimitations or as full satisfaction of a disputed amount, must be mailed or delivered to Genesis FS Card Services, P.O.\nBox 4499, Beaverton, Oregon 97076.\nCredit Reports and Information. You authorize us to make or have made any credit, employment, or other investigative\ninquiries we deem appropriate to extend you credit or collect amounts owed to us on your Account. We (including any\nassignee of the Account or amounts owing under the Account) may also obtain information about you from credit\nreporting agencies or others at any time and use it for the purposes of monitoring your credit performance, managing\nyour Account and considering you for new offers and programs.\nNotice of Inaccurate Information. If you believe that we have information about you that is inaccurate or that we have\nreported or may report to a credit reporting agency information about you that is inaccurate, please notify us of the\nspecific information that you believe is inaccurate by writing to us at Genesis FS Card Services, P.O. Box 4499, Beaverton,\nOR 97076.\nDefault and Collection. Unless prohibited by applicable law, your Account is considered to be in default if (1) you fail to\nmake the required Monthly Minimum Payment on or before the Payment Due Date, including if your payment is returned\nor cannot be processed and you do not correct that failure within 31 days, (2) you try to exceed or do exceed your Credit\nLimit without permission and do not bring your Account back under your Credit Limit within 31 days, (3) you become\nsubject to bankruptcy or insolvency proceedings, (4) you become subject to attachment or garnishment proceedings, (5)\nyou give us any false information or signature, (6) you die, or (7) you fail to comply with any portion of this Agreement.\nOur accepting a late or partial payment does not waive default. Default on this Account will constitute default on all\naccounts you hold with us. Subject to any notice of default and right to cure or other restrictions of applicable law, if you\nare in default, we may declare the entire balance due immediately. You agree to pay our reasonable costs and attorneys\xe2\x80\x99\nfees and expenses related to the collection of your Account, and retrieving your Card, to the extent permitted by applicable\nlaws.\nChange of Terms. Subject to the limitations of applicable law, we may, at any time, change or remove any of the terms\nand conditions of, or add new terms or conditions to, this Agreement. If required by applicable law, we will mail written\nnotice of such a change to you in the manner required by such law. As of the effective date, the changed or new terms\nwill apply to new Purchases and Cash Advances and also to the outstanding balance of your Account, subject to the\nlimitations of applicable law.\nDelay in Enforcement. We can delay enforcing our rights under this Agreement without losing them.\nOTHER PROVISIONS\nOwnership and Use of Your Card. As the Cardholder, you are liable for all credit obtained under your Account. If you\nauthorize another person to use your Card, you are liable for any credit obtained on your Account for as long as that\nperson holds the Card. In addition, you will remain liable until you recover possession of the Card. Misuse of your Card by\nan authorized person will not be considered unauthorized use. See \xe2\x80\x9cLost Cards and Unauthorized Use\xe2\x80\x9d above. Upon\ndemand, you must immediately return any Card we supply to you or destroy the Card by cutting it in half.\n\n\x0cTransactions. You will retain for Statement verification your copy of each Purchase slip, Cash Advance or other transaction\nto your Account.\nTransfer of Your Account. You may not transfer your Account to any other person. We may assign your Account or\namounts owing under your Account to any other person at any time and the assignee will take our place under the\nAgreement with respect to all agreements and interests transferred. You must pay the assignee and otherwise perform\nyour obligations under the assigned agreements and interests.\nClosing or Suspending Your Account. We may close or suspend your Account or your ability to obtain credit on your\nAccount, or both, at any time, for any reason permitted by law and with or without advance notice.\nYou may close your Account at any time by contacting us. The closure of Account will not become effective until you have\nreturned to us all of the Cards we have given you. If you have a joint Account and want to remove one of the names from\nthe Account, we must receive a written request signed by both of the Cardholders on the Account and all Cards must be\nreturned upon request. No party is released from the obligation for the balance owing on a joint Account, unless we agree\nto the arrangements in writing. You may have to reapply for a new Card for an individual Account when you request a\nchange from a joint Account to an individual Account.\nIf your Account is closed or suspended for any reason, you must stop using your Card. You must also cancel all billing\narrangements to the Account. We will not do this for you. If we close or permanently suspend your Account, you must\nalso return all Cards to us. You must still pay us all amounts you owe on the Account, even if they are charged after your\nAccount is closed or suspended.\nAdditional Benefits and Services. From time to time, we may offer you benefits and services with your Account. These\nbenefits and services may be provided by us or third parties. Unless expressly made a part of this Agreement, and except\nas provided in the Arbitration of Disputes section below, any such benefits and services are not a part of this Agreement,\nand are subject only to the terms and conditions outlined in the benefits or services brochure and other official documents\nprovided to you with respect to the benefits and services. We may adjust, add, or delete benefits or services at any time\nin accordance with the brochures or documents you receive. Except as required by applicable law, we are not liable for\nbenefits or services provided by third parties or the actions or omissions of those third parties.\nForeign Currency Conversion. Payment must be made in U.S. Dollars for charges you incur in any other currency. If you\neffect a transaction with your Card in a currency other than U.S. Dollars, Mastercard International Incorporated\n(\xe2\x80\x9cMastercard\xe2\x80\x9d) will convert the charge into a U.S. Dollar amount. Mastercard will act in accordance with its operating\nregulations or conversion procedures in effect at the time that the transaction is processed. Currently, the currency\nconversion rate used by Mastercard to determine the transaction amount in U.S. Dollars for such transactions is generally\neither a government mandated rate or a wholesale rate determined by Mastercard for the processing cycle in which the\ntransaction is processed. The currency conversion rate used by Mastercard on the processing date may differ from the\nrate that would have been used on the Purchase date or monthly Statement posting date. We will also assess a Foreign\nCurrency Conversion Fee interest charge as described in the \xe2\x80\x9cHow Interest Charges are Determined\xe2\x80\x9d section.\nHonoring Your Card. We are not responsible if anyone refuses to accept your Card or Account for any reason. Although\nyou may have credit available, we may decline any transaction for any reason. We are not liable for any refusal to honor\nyour Card or Account.\nFrom time to time, due to circumstances beyond our control (such as system failures, natural disasters, or other\nunpredictable events), our services may not be available. When this happens, you may be unable to use your Card or\nobtain information about your Account. We will not be responsible or liable if this happens.\nChange of Address, Employment and Telephone. We will send all written notices and Statements to your address as it\nappears on our records. To avoid delays and missed payments that could affect your credit standing, you agree to promptly\nadvise us if you change your mailing address, place of employment, or telephone number.\nSeverability. In the event that any provision of this Agreement is determined to be invalid or unenforceable for any reason,\nthe remaining provisions will remain in effect.\nEntire Agreement; Interpretation. This Agreement (including other documents incorporated herein by reference)\nconstitutes the final expression of the credit agreement between you and us relating to your Account. The headings used\n\n\x0cin this Agreement are for the convenience of reference only and are not intended to define or describe the scope or intent\nof any portion of the Agreement.\nGoverning Law. This Agreement is controlled and governed by the laws of the State of Missouri, including Missouri Revised\nStatutes (Chapter 408 Legal Tender and Interest) Section 408.145, except to the extent that such laws are inconsistent\nwith controlling federal laws.\nArbitration of Disputes Provision. PLEASE READ THIS ARBITRATION OF DISPUTES PROVISION CAREFULLY. UNLESS YOU\nSEND US THE REJECTION NOTICE DESCRIBED BELOW, THIS PROVISION WILL APPLY TO YOUR ACCOUNT, AND MOST\nDISPUTES BETWEEN YOU, ON THE ONE HAND, AND US OR ANY SERVICER OF YOUR ACCOUNT, INCLUDING, BUT NOT\nLIMITED TO, GENESIS FS CARD SERVICES, INC. (\xe2\x80\x9cGENESIS\xe2\x80\x9d), ON THE OTHER HAND, WILL BE SUBJECT TO INDIVIDUAL\nARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL\nNOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE;\nAND (4) APPEAL RIGHTS WILL BE LIMITED. THIS ARBITRATION OF DISPUTES PROVISION DOES NOT APPLY TO YOU IF, AS\nOF THE DATE OF THIS AGREEMENT, YOU ARE A MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH MEMBER\nENTITLED TO PROTECTION UNDER THE FEDERAL MILITARY LENDING ACT. PLEASE SEE THE SECTION OF THIS AGREEMENT\nLABELED \xe2\x80\x9cMILITARY LENDING ACT.\xe2\x80\x9d IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER YOU ARE ENTITLED TO\nPROTECTION UNDER THE FEDERAL MILITARY LENDING ACT, YOU MAY CONTACT US AT 1-800-305-0330.\nThis provision replaces any existing arbitration provision with us and will stay in force no matter what happens to your\nAccount, including the closing of your Account. Except as expressly provided below, you must arbitrate individually, by\nbinding arbitration under the Federal Arbitration Act (\xe2\x80\x9cFAA\xe2\x80\x9d), any dispute or claim between you, any joint Cardholder\nand/or Authorized User, on the one hand, and us , our affiliates, and agents, and/or any servicer of your Account, including,\nbut not limited to, Genesis, on the other hand, if the dispute or claim arises out of or is related to (a) this Agreement\n(including without limitation, any dispute over the validity of this Agreement to arbitrate disputes or of this entire\nAgreement), or (b) your Account, or (c) any relationship resulting from this Agreement, or (d) any insurance or other\nservice related to your Account, or (e) any other agreement related to your Account (including prior agreements) or any\nsuch service, or (f) breach of this Agreement or any other such agreement, whether based on statute, contract, tort or any\nother legal theory (any \xe2\x80\x9cClaim\xe2\x80\x9d). However, we will not require you to arbitrate any individual Claims in small claims court\nor your state\xe2\x80\x99s equivalent court, so long as it remains an individual case in that court.\nYOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION AGAINST US OR\nANY SERVICER OF YOUR ACCOUNT, INCLUDING, BUT NOT LIMITED TO, GENESIS, IN COURT OR ARBITRATION. ALSO, YOU\nMAY NOT BRING CLAIMS AGAINST US OR ANY SERVICER OF YOUR ACCOUNT, INCLUDING, BUT NOT LIMITED TO GENESIS,\nON BEHALF OF ANY CARDHOLDER WHO IS NOT A JOINT CARDHOLDER WITH YOU OR AN AUTHORIZED USER ON YOUR\nACCOUNT (AN \xe2\x80\x9cUNRELATED CARDHOLDER\xe2\x80\x9d), AND YOU AGREE THAT NO UNRELATED CARDHOLDER MAY BRING ANY\nCLAIMS AGAINST US OR ANY SERVICER OF YOUR ACCOUNT, INCLUDING, BUT NOT LIMITED TO, GENESIS, ON YOUR\nBEHALF. CLAIMS BY YOU AND AN UNRELATED CARDHOLDER MAY NOT BE JOINED IN A SINGLE ARBITRATION. THE\nARBITRATOR WILL NOT HAVE THE POWER TO CONSIDER SUCH CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL\nACTIONS OR ANY SUCH CLAIMS YOU BRING ON BEHALF OF AN UNRELATED CARDHOLDER.\nJudgment on the arbitration award may be entered in any court having jurisdiction. Any dispute regarding whether a\nparticular controversy is subject to arbitration, or the applicability or enforceability of the foregoing paragraph, will be\ndecided by a court and not by an arbitrator.\nIf you or we or any servicer of your Account, including, but not limited to, Genesis, elect to arbitrate a claim, the electing\nparty must notify the other party in writing. The notice can be given after the beginning of a lawsuit and can be given in\npapers filed in the lawsuit. Otherwise, your notice must be sent to Genesis FS Card Services, Inc., Attn: Arbitration Demand,\nP.O. Box 4477, Beaverton, Oregon 97076, and our notice must be sent to the most recent address for you in our files. The\narbitration will be administered by the American Arbitration Association (the \xe2\x80\x9cAAA\xe2\x80\x9d) under its rules in effect at the time\nan arbitration is commenced that are applicable to the resolution of consumer disputes (the \xe2\x80\x9cArbitration Rules\xe2\x80\x9d). We will\ntell you how to contact the AAA and how to get a copy of the Arbitration Rules without cost if you ask us in writing to do\nso. The Arbitration Rules permit you to request deferral or reduction of the administrative fees of arbitration if paying\nthem would cause you a hardship. In addition, if you ask us in writing, we will consider your request to pay any or all of\nyour costs of arbitration.\n\n\x0cEach arbitrator shall be a licensed attorney who has been engaged in the private practice of law continuously during the\nten years immediately preceding the arbitration or a retired judge of a court of general or appellate jurisdiction. The\narbitration award shall award only such relief as a court of competent jurisdiction could properly award under applicable\nlaw, including attorneys\xe2\x80\x99 fees if allowed by applicable law or agreement. All statutes of limitation, defenses, and attorneyclient and other privileges that would apply in a court proceeding will apply in the arbitration.\nIf any provision of this Section regarding arbitration of disputes shall be deemed to be unenforceable, the remainder of\nthis Section shall be given full force and effect. However, if the provision precluding class, representative or private\nattorney general Claims in arbitration is deemed unenforceable, then this entire Arbitration Agreement shall be void and\nof no force and effect.\nYou may reject this provision, in which case only a court may be used to resolve any dispute or claim. Rejection will not\naffect any other aspect of the Agreement. To reject this Provision, you must send us a notice within sixty (60) days after\nyou open your Account or we first provide you with a right to reject this Provision. This notice must include your name,\naddress and Account Number and be mailed to Genesis FS Card Services, Inc., Attn: Arbitration Provision, P.O. Box 4477,\nBeaverton, Oregon 97076. This is the only way you can reject this Provision.\nYOUR BILLING RIGHTS \xe2\x80\x93 KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Think You Find A Mistake On Your Statement\nIf you think there is an error on your Statement, please write to us at: Genesis FS Card Services, P.O. Box 4499, Beaverton,\nOR 97076-4499.\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 what you believe is wrong and why you\nbelieve 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 three (3) business days before an automated payment is scheduled, if you want to stop payment on the\namount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential errors, and you may have to pay the 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 letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill\nis 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 on that amount.\n\xe2\x80\xa2 The charge in question may remain on your Statement, and we may continue to charge you interest on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the 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 interest or other fees related to that\namount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will then send you a Statement of the amount you owe and the date payment is due. We\nmay then report 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 write to us within 10 days telling us that you\nstill refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your\nbill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations\nknow when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay\nthe first $50 of 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 your credit card, and you have tried in good\nfaith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\nPurchase. To 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 of your current mailing address, and\nthe Purchase price must have been more than $50. (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 sold you the goods or services.)\n2. You must have used your credit card for the Purchase. Purchases made with cash advances from an ATM or with\na check that accesses your credit card account do not 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 Purchase, contact us in writing at Genesis FS Card\nServices, P.O. Box 4499, Beaverton, OR 97076-4499. While we investigate, the same rules apply to the disputed amount\nas discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an\namount and you do not pay, we may report you as delinquent.\n\nThe Card Issuer:\nThe Bank of Missouri\n\n\x0c'