b'Genesis Credit\xc2\xae Pricing Summary\nFirst Electronic Bank\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\n34.9%\nfor Purchases\nPaying Interest\n\nWe will begin charging interest on purchases on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nPenalty Fees\n\xe2\x80\xa2\n\nLate Payment\n\nUp to $38\n\n\xe2\x80\xa2\n\nReturned Payment\n\nUp to $38\n\nHow We Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\npurchases)\xe2\x80\x9d. See your Account Agreement below for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in your below Account Agreement.\n\nGenesis Credit\xc2\xae Account Agreement\nDear Accountholder:\nThis Agreement, as defined below, is your contract for your Account and:\n\xe2\x80\xa2 Covers the terms that govern the use of your Genesis Credit Account;\n\xe2\x80\xa2 Outlines both your responsibilities and ours;\n\xe2\x80\xa2 Includes certain disclosures required by the Federal Truth in Lending Act;\n\xe2\x80\xa2 Includes certain disclosures required by the Federal Military Lending Act;\n\xe2\x80\xa2 Includes an Arbitration of Disputes Provision that will substantially affect your rights unless\nyou reject it, and;\n\xe2\x80\xa2 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\nwith any questions you may have. We look forward to serving you.\nThis Agreement begins on the earlier of (1) the date we approve your Application, or (2) the first date that\nwe extend Credit to you on your Account, as evidenced by a signed sales slip or other evidence of\nindebtedness.\nDEFINITIONS\n\n1676-3\n\n\x0cTo simplify this Agreement for you, the definitions listed below will apply throughout, both in this\nAgreement and in your monthly statements. In addition, the words you, your, and yours refer to the\nAccountholder(s) who hold(s) the Account Number and is responsible for the Account, each of whom is\nindividually and jointly obligated under this Agreement. The words we, us, and our refer to First Electronic\nBank.\nAccount: Genesis Credit Account for which you were issued an Account Number and that is subject to all\nof the terms and conditions of this Agreement.\nAccount Number: The Account Number we issue that you may use to make Purchases from Retailer. Use\nof your Account Number to obtain Credit will be considered a use of the Account.\nAccountholder: The person to whom an Account Number is issued, or who has agreed to pay obligations\narising from an Account Number issued to another person.\nAgreement: Your contract with us for your Account, which is composed of your Application, and the\nAccount opening disclosures and this Account Agreement. Any sales slip or other evidence of\nindebtedness on your Account is incorporated into and made part of this Agreement.\nApplication: The form with information that you submitted to apply for your Account, including your\nsignature (in any form \xe2\x80\x93 wet signed, electronic, or digital), and any acceptance certificate or other request\nthat you signed or otherwise submitted to obtain this Account.\nBilling Cycle: The time interval covered by a monthly statement. Each Billing Cycle is approximately 30\ndays in length.\nCard: Any branded Card we issue that you may use to purchase goods or services from Retailer. Use of\nyour Card to obtain Credit will be considered use of the Account.\nClosing Date: The date of the last day of a Billing Cycle.\nCovered Borrower: Certain members of the Armed Forces and their dependents who are protected by the\nMilitary Lending Act.\nCredit: The credit extension you receive under this Agreement.\nCredit Limit: The maximum amount of Credit available to you on your Account. Your Account Credit Limit\nwill be disclosed to you on the monthly statements.\nNew Balance: The total outstanding Account balance on the Closing Date specified in your monthly\nstatement.\nPrevious Balance: The balance of your Account at the beginning of a Billing Cycle. This will be the same as\nthe \xe2\x80\x9cNew Balance\xe2\x80\x9d shown on the previous monthly statement.\nPurchase: An extension of Credit to your Account for the purpose of purchasing goods or services from\nRetailer.\nPurchase Balance: The total outstanding balance of Purchases and interest charges, excluding amounts\nincluded in the Regular Balance.\nRegular Balance: The total outstanding balance of all amounts other than Purchases and interest charges\non Purchases.\nRetailer: Participating Planned Furniture Promotion managed stores and Ashley HomeStore locations in\nthe U.S. For a list of Planned Furniture Promotion managed store locations, see their website at\nwww.pfpnow.com/client-list/.\n\n1676-3\n\n\x0cUSING YOUR ACCOUNT\nPurchases. You may use your Account to purchase goods and services from Retailer. You promise to pay\nus and are liable for all amounts resulting from the authorized use of your Account Number or Account,\nplus any applicable interest charges and other applicable charges or fees, payable in U.S. dollars.\nYour Credit Limit. You may not use your Account in any way that would cause you to go over your Credit\nLimit. We may refuse to authorize or accept any transaction on your Account if (1) that transaction would\ncause you to exceed your Credit Limit or (2) your Account is delinquent. We may temporarily agree to\nallow you to exceed your Credit Limit. If we do so, in that case, you must repay the excess amount\naccording to the terms of this Agreement. Any transactions honored in excess of your Credit Limit will not\nresult in an increase of your Credit Limit.\nMAKING PAYMENTS\nMonthly Statements. We will send a statement at the end of each monthly Billing Cycle if there is a debit\nor credit balance on your Account of $1 or more, a balance on which an interest charge has been imposed\nor as otherwise required by applicable law. You agree to pay us, or any party to whom we may transfer\nand assign your Account or the amounts owing under your Account, in U.S. dollars according to all terms\nand conditions of this Agreement. Payments made by a check, money order or other negotiable\ninstrument must be in a form acceptable to us and drawn on a U.S. financial institution.\nMonthly Minimum Payment. Your Monthly Minimum Payment due will be the greater of:\n1. $15; or\n2. The sum of:\na. Each fixed monthly payment amount applicable to each of your Purchases (described\nbelow), plus\nb. 5% of your Regular Balance.\nEach Purchase will have a fixed monthly payment amount which we calculate when the Purchase is posted\nto your Account. We determine the fixed monthly payment amount for a Purchase by multiplying the\nPurchase amount by 5%, and then rounding the result to the nearest dollar. If the remaining balance of a\nPurchase plus accrued interest on that Purchase is less than the fixed monthly payment amount, we will\nreduce the fixed monthly payment amount for that Purchase accordingly. We will continue to include the\nfixed monthly payment amount for a Purchase in the Monthly Minimum Payment due until the Purchase\nplus accrued interest on that Purchase is paid in full.\nIf you make a payment in excess of the Monthly Minimum Payment due for any month, it will not reduce\nthe fixed monthly payment amount applicable to any Purchase that is used to calculate your Monthly\nMinimum Payment due in subsequent months, but it may result in your paying off a Purchase more\nquickly.\nYour Monthly Minimum Payment due also will include the greater of (i) any past due amount, or (ii) any\namount by which the New Balance exceeded your Credit Limit. Your Monthly Minimum Payment due will\nnever exceed your New Balance.\nPayments should be mailed with the payment coupon and in the envelope provided and following the\nother instructions on the monthly statement to Genesis FS Card Services, PO Box 84049 Columbus, GA\n31908-4049. Any payment we receive in that form and at that address on or before 5:00 P.M. Eastern\nTime on a normal banking day will be credited to your Account that day. If we receive your payment in\nthat form and at that address after 5:00 P.M. Eastern Time on a normal banking day, or any time on a nonbanking day, we will credit it to your Account the next banking day. Please allow at least seven (7) business\ndays for postal delivery. Payments we receive at any other location or in any other form may not be\n\n1676-3\n\n\x0ccredited as of the day we receive them. If we accept a payment at some other place, we may delay the\ncrediting of the payment for up to five (5) days. This may cause you to incur Late Payment Fees and\nadditional interest charges, and may result in your Account being declared in default.\nWhen you provide a check as payment, you authorize us either to use information from your check to\nmake a one-time electronic fund transfer from your account or to process the payment as a check\ntransaction. When we use information from your check to make an electronic fund transfer, funds may\nbe withdrawn from your account as soon as the same day we receive your payment and you will not\nreceive your check back from your financial institution.\nAt any time, you may pay part or all you owe on your Account without incurring any additional charge for\nprepayment. The amount of any payment that exceeds your total New Balance will be applied as a credit\nto your Account, and any remaining credit balance will be refunded as required by law.\nCredit availability may be delayed at our sole discretion to ensure payment in good funds, and your total\nCredit Limit may not reflect your payments for up to 14 days.\nApplication of Payments. For each Billing Cycle, we will allocate payment amounts up to your Monthly\nMinimum Payment to charges and principal due (including new transactions) in any way we determine.\nWe will generally apply payment amounts up to your Monthly Minimum Payment in a manner most\nfavorable or convenient for us.\nFor each Billing Cycle, to the extent your payments exceed your Monthly Minimum Payment, we will apply\nthese excess amounts in the order required by applicable law.\nHOW INTEREST CHARGES ARE DETERMINED\nYour Interest Rate. We use a daily periodic rate to calculate the interest on your Account. The daily\nperiodic rate is the applicable APR multiplied by 1/365. The daily periodic rate for your Account is 0.0956%\nand the applicable APR is 34.9%.\nWhen We Charge Interest. We charge interest on your Purchases from the date you make the Purchase\nuntil you pay the Purchase in full.\nHow We Calculate Interest. We calculate interest separately for each balance segment on your Account.\nWe do this by applying the daily periodic rate to your average daily balance (including new Purchases),\nand then multiplying the resulting number by the number of days in the Billing Cycle for each balance\nsegment. An average daily balance is calculated for the following balance segments as applicable:\nPurchase Balance segments and the Regular Balance segment.\nWe calculate interest for each balance segment as follows:\n1. For each day, we take the beginning balance of each balance segment in the Billing Cycle, including\nany unpaid interest charges, add any new Purchases and debits, and then subtract the applicable\nportion of any payments and credits. This gives us the daily balance. Late Payment Fees, Returned\nPayment Fees, and Documentation Fees are not included in the daily balance.\n2. Then, we add all the daily balances for the Billing Cycle together and divide the total by the\nnumber of days in the Billing Cycle. This gives us the average daily balance.\n3. Next, we multiply the daily periodic rate by the average daily balance.\n4. Finally, we take the resulting number from #3 and multiply it by the number of days in the Billing\nCycle. This gives us the interest charge for each balance segment for the Billing Cycle.\nOTHER FEES\n\n1676-3\n\n\x0cIn addition to interest charges, other fees may be applied to your Account, as set forth below. The\namounts of these fees may change from time to time during the term of your Account.\nLate Payment Fee. If we do not receive your Monthly Minimum Payment due by the Closing Date of the\nBilling Cycle in which the Payment Due Date occurs and the amount past due on your Account is more\nthan $9.99, we will apply a Late Payment Fee to your Account. The Late Payment Fee is $27 if we did not\ncharge a Late Payment Fee during any of the prior six billing periods. Otherwise, the Late Payment Fee is\n$38. The Late Payment Fee will never exceed the amount of your most recently required Monthly\nMinimum Payment.\nReturned Payment Fee. If any payment on your Account is returned to us unpaid for any reason, we will\napply a Returned Payment Fee to your Account. The Returned Payment Fee is $27 if we did not charge a\nReturned Payment Fee during any of the prior six billing periods. Otherwise, the Returned Payment Fee is\n$38. The Returned Payment Fee will never exceed the Monthly Minimum Payment.\nDocumentation Fee. You may request a copy of a monthly statement previously sent to you for a\nDocumentation Fee of $3 per statement, which fee we will charge to your Account. Copies of sales tickets\nor other items posted to your Account may be obtained for a Documentation Fee of $10 per sales ticket\nor other item, which will be applied to your Account. Notwithstanding the foregoing, we will not impose\nany fee in connection with a good faith assertion of a billing error or other exercise of your Billing Rights\n(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\napply to Covered Borrowers. If you would like more information about whether you are a Covered\nBorrower, you may contact us at 1-866-502-6439.\nStatement of MAPR Federal law provides important protections to members of the Armed Forces and\ntheir 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\n36%. This rate must include, as applicable to the credit transaction or account: (1) the costs associated\nwith credit insurance premiums; (2) fees for ancillary products sold in connection with the credit\ntransaction; (3) any application fee charged (other than certain application fees for specified credit\ntransactions or accounts); and (4) any participation fee charged (other than certain participation fees for\na credit card account).\nOral Disclosures In order to hear important disclosures and payment information about this Agreement,\nyou may call 1-866-875-5929.\nApplicability of Arbitration of Disputes Provision\nThe Arbitration of Disputes Provision set forth in this Agreement does not apply to you if, as of the date\nof this Agreement, you are a Covered Borrower.\nLOST ACCOUNT NUMBER AND UNAUTHORIZED USE\nIf your Account Number is lost or stolen or used without your consent, you may be liable for the\nunauthorized use of your Account, but you will not be liable for unauthorized use that occurs after you\nnotify us orally or in writing of the loss, theft or possible unauthorized use at: Genesis FS Card Services,\nP.O. Box 4477, Beaverton, OR 97076, 1-888-260-4532. In any case, your liability will not exceed $50.\nOUR RIGHTS, AND HOW THEY AFFECT YOU\n\n1676-3\n\n\x0cTelephone Monitoring and Recording; Communications. You consent and agree that, except as restricted\nby applicable law, we may monitor and/or record telephone calls regarding your Account, suppress caller\nidentification services, use prerecorded messages, and use an automated telephone dialing and\nannouncing system. You expressly consent that we and our agents, any servicer, or any subsequent owner\nof your Account may (i) contact you at any cellular telephone number that you provided as part of your\napplication, at any number that you later provide (including, without limitation, after your Account is in a\ndefault status), or at any other number that is identified as related to you, including by text message, and\n(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\naddress to contact you about your Account and may send you information about products and services\nrelated to your Account.\nWe or our representatives may contact you from time to time regarding the Account, or to ask for\nadditional information about you or your experience with us. You agree that such contacts are not\nunsolicited and may include contacts at your home or place of employment, during weekdays, weekends\nor holidays, on your mobile telephone, voicemail or answering machine, or by email, fax, recorded\nmessage, text message or personal visit.\nHow to Revoke Consent for Future Communications: If you want to revoke your consent to future\ncommunications as described in the previous paragraph, you must send us a written notice that includes:\n(i) your name, mailing address, and Account number(s); (ii) the specific telephone number(s), email\naddress(es) and/or mailing address(es) at which you no longer wish us to contact you, and (iii) the types\nof communications (telephone, text, email, and/or mail) for which you are revoking consent. You must\nsend this written notice to: Genesis FS Card Services, PO Box 4477, Beaverton, OR 97076. You understand\nand 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.\nRefunds. If Retailer agrees to give a refund, you will accept a credit on your Account instead of a cash\nrefund.\nNo Waiver of Rights; Disputed Amounts. We can accept late or partial payments without losing any of\nour rights under this Agreement. You agree not to send us partial payments marked \xe2\x80\x9cpaid in full,\xe2\x80\x9d\n\xe2\x80\x9cwithout recourse,\xe2\x80\x9d or similar restrictive language. If you send such a payment, we may accept it\nwithout losing any of our rights under this Agreement. All written communications concerning disputed\namounts, including any check or other payment instrument that indicated 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\nsatisfaction of a disputed amount, must be mailed or delivered to Genesis FS Card Services, P.O. Box\n4499, Beaverton, OR 97076.\nCredit Reports and Information. You authorize us to make or have made any credit, employment, or other\ninvestigative inquiries we deem appropriate to extend you Credit or collect amounts owed to us on your\nAccount. We (including any assignee of the Account or amounts owing under the Account) may also obtain\ninformation about you from credit reporting agencies or others at any time and use it for the purposes of\nmonitoring your credit performance, managing your Account and considering you for new offers and\nprograms.\nNotice of Inaccurate Information. If you believe that we have information about you that is inaccurate or\nthat we have reported or may report to a credit reporting agency information about you that is inaccurate,\nplease notify us of the specific information that you believe is inaccurate by writing to us at Genesis FS\nCard Services, P.O. Box 4499, Beaverton, OR 97076.\n\n1676-3\n\n\x0cDefault and Collection. Unless prohibited by applicable law, your Account is considered to be in default\nif (1) you fail to make the required Monthly Minimum Payment due on or before its payment due date,\nincluding if your payment is returned or cannot be processed and you do not correct that failure within\n31 days, (2) you try to exceed or do exceed your Credit Limit without permission and do not bring your\nAccount back under your Credit Limit within 31 days, (3) you become subject to bankruptcy or insolvency\nproceedings, (4) you become subject to attachment or garnishment proceedings, (5) you give us any false\ninformation or signature, (6) you die, or (7) you fail to comply with any portion of this Agreement. Our\naccepting a late or partial payment does not waive default. Default on this Account will constitute default\non all accounts you hold with us.\nSubject to any notice of default and right to cure or other restrictions of applicable law, if you are in\ndefault, we may declare the entire balance due immediately. Except as provided in the Arbitration\nProvision below, you agree to pay our reasonable costs and attorneys\xe2\x80\x99 fees and expenses related to the\ncollection of your Account to the extent permitted by applicable laws.\nChange of Terms. Subject to the limitations of applicable law, we may, at any time, change or remove\nany of the terms and conditions of, or add new terms or conditions to, this Agreement. If required by\napplicable law, we will mail written notice of such a change to you in the manner required by such law.\nAs of the effective date, the changed or new terms will apply to new Purchases and to the outstanding\nbalance of your Account, subject to the limitations 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 Account. As the Accountholder(s), you are liable for all Credit obtained under\nyour Account. If you authorize another person to use your Account Number, you are liable for any Credit\nobtained on your Account for as long as that person holds or uses the Account Number. Misuse of your\nAccount by an authorized person will not be considered unauthorized use. See \xe2\x80\x9cLost Account Number and\nUnauthorized Use\xe2\x80\x9d above.\nTransactions. You will retain for statement verification purposes your copy of each Purchase transaction\nreceipt from Retailer.\nRefunds for Goods and Services. Refunds for goods and services are governed by Retailer. Any refunds\nfor goods or services purchased from Retailer through an extension of Credit on your Account will be\nissued as a credit adjustment to your Account. When we are notified by Retailer of any refund amount,\nwe will subtract an amount equal to the refund amount from your Account. However, the fixed minimum\npayment amount attributable to the related Purchase transaction amount will continue to be included in\nyour Monthly Minimum Payment. If a refund amount results in a credit balance on your Account, we will\nrefund your credit balance.\nTransfer and Termination of Your Account. You may not transfer your Account to any other person. We\nmay assign your Account or amounts you owe on your Account to any other person at any time and the\nassignee will take our place under the Agreement with respect to all agreements and interests transferred.\nYou must pay the assignee and otherwise perform your obligations under the assigned agreements and\ninterests. Either you or we may terminate or suspend your Credit privileges at any time, with or without\ncause and with or without advance notice, but you will remain liable for all charges until they are paid in\nfull. You may cancel your Account at any time by writing to us at Genesis FS Card Services, P.O. Box 4477,\nBeaverton, OR 97076. If you have a joint Account and want to remove one of the names from the Account,\nwe must receive a written request signed by both of the Accountholders on the Account. No party is\nreleased from the obligation for the balance owing on a joint Account, unless we agree to the\n\n1676-3\n\n\x0carrangements in writing. You may have to re-apply for an individual Account when you request a change\nfrom a joint Account to an individual Account.\nAdditional Benefits and Services. From time to time, we may offer you benefits and services with your\nAccount. We or another party may provide these benefits and services. Unless expressly made a part of\nthis Agreement, and except as provided in the Arbitration Provision below, any such benefits and services\nare not a part of this Agreement, and are subject only to the terms and conditions outlined in the benefits\nor services brochure and other official documents provided to you with respect to the benefits and\nservices. We may adjust, add, or delete benefits or services at any time in accordance with the brochures\nor documents you receive. Except as required by applicable law, we are not liable for benefits or services\nthat other parties provide or for their actions or omissions.\nHonoring Your Account. We are not liable for the failure or refusal of Retailer to accept your Account\nNumber. Although you may have Credit available, we will not be liable for the failure to authorize Credit\ndue to operational difficulties or mistakes. Transactions made above a certain dollar amount may require\nthat we authorize the transaction before the transaction is approved. In addition, we may limit the\nnumber and amount of daily transactions approved for security reasons.\nChange of Address, Employment and Telephone. We will send all written notices and statements to your\naddress as it appears on our records. To avoid delays and missed payments that could affect your credit\nstanding, you agree to promptly advise us if you change your mailing address, place of employment, or\ntelephone number.\nSeverability. In the event that any provision of this Agreement is determined to be invalid or\nunenforceable for any reason, the remaining provisions will remain in effect.\nEntire Agreement; Interpretation. This Agreement (including the other documents incorporated herein\nby reference as discussed above) constitutes the final expression of the credit agreement between you\nand us relating to your Account. The headings used in this Agreement are for the convenience of reference\nonly and are not intended to define or describe the scope or intent of any portion of the Agreement.\nGoverning Law. Except as expressly set forth in the Arbitration of Disputes Provision in the Agreement,\nthis Agreement and the interpretation and enforcement thereof (including but not limited to the\nexportation of interest rates) will be governed by Federal law that applies to us and, to the extent not\npreempted by Federal law, the laws of the State of Utah, without regard to its conflicts of law provisions\nand principles. If there is any conflict between any of the terms and conditions of the Agreement and\napplicable Federal or State law, this Agreement will be considered changed to the extent necessary to\ncomply with the applicable law.\nArbitration of Disputes Provision. PLEASE READ THIS ARBITRATION OF DISPUTES PROVISION CAREFULLY.\nUNLESS YOU SEND US THE REJECTION NOTICE DESCRIBED BELOW, THIS PROVISION WILL APPLY TO YOUR\nACCOUNT, AND MOST DISPUTES BETWEEN YOU, ON THE ONE HAND, AND US OR ANY SERVICER OF YOUR\nACCOUNT, INCLUDING, BUT NOT LIMITED TO, GENESIS FS CARD SERVICES, INC. (\xe2\x80\x9cGENESIS\xe2\x80\x9d), ON THE\nOTHER HAND, WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT\nNOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS\nACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS\nWILL BE LIMITED. THIS ARBITRATION OF DISPUTES PROVISION DOES NOT APPLY TO YOU IF, AS OF THE\nDATE OF THIS AGREEMENT, YOU ARE A MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH\nMEMBER ENTITLED TO PROTECTION UNDER THE FEDERAL MILITARY LENDING ACT. PLEASE SEE THE\nSECTION OF THIS AGREEMENT LABELED \xe2\x80\x9cMILITARY LENDING ACT.\xe2\x80\x9d IF YOU WOULD LIKE MORE\nINFORMATION ABOUT WHETHER YOU ARE ENTITLED TO PROTECTION UNDER THE FEDERAL MILITARY\nLENDING ACT, YOU MAY CONTACT US AT 1-866-502-6439.\n\n1676-3\n\n\x0cThis provision replaces any existing arbitration provision with us and will stay in force no matter what\nhappens to your Account, including the closing of your Account. Except as expressly provided below, you\nmust arbitrate individually, by binding arbitration under the Federal Arbitration Act (\xe2\x80\x9cFAA\xe2\x80\x9d), any dispute\nor claim between you, on the one hand, and us , our affiliates, and agents, and/or any servicer of your\nAccount, including, but not limited to, Genesis, on the other hand, if the dispute or claim arises out of or\nis related to (a) this Agreement (including without limitation, any dispute over the validity of this\nAgreement to arbitrate disputes or of this entire Agreement), or (b) your Account, or (c) any relationship\nresulting from this Agreement, or (d) any insurance or other service related to your Account, or (e) any\nother agreement related to your Account (including prior agreements) or any such service, or (f) breach\nof this Agreement or any other such agreement, whether based on statute, contract, tort or any other\nlegal theory (any \xe2\x80\x9cClaim\xe2\x80\x9d). However, we will not require you to arbitrate any individual Claims in small\nclaims court or 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\nAGAINST US OR ANY SERVICER OF YOUR ACCOUNT, INCLUDING, BUT NOT LIMITED TO, GENESIS, IN COURT\nOR ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS AGAINST US OR ANY SERVICER OF YOUR ACCOUNT,\nINCLUDING, BUT NOT LIMITED TO GENESIS, ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT A JOINT\nACCOUNTHOLDER WITH YOU (AN \xe2\x80\x9cUNRELATED ACCOUNTHOLDER\xe2\x80\x9d), AND YOU AGREE THAT NO\nUNRELATED ACCOUNTHOLDER MAY BRING ANY CLAIMS AGAINST US OR ANY SERVICER OF YOUR\nACCOUNT, INCLUDING, BUT NOT LIMITED TO, GENESIS, ON YOUR BEHALF. CLAIMS BY YOU AND AN\nUNRELATED ACCOUNTHOLDER MAY NOT BE JOINED IN A SINGLE ARBITRATION. THE ARBITRATOR WILL\nNOT HAVE THE POWER TO CONSIDER SUCH CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL\nACTIONS OR ANY SUCH CLAIMS YOU BRING ON BEHALF OF AN UNRELATED ACCOUNTHOLDER.\nJudgment on the arbitration award may be entered in any court having jurisdiction. Any dispute regarding\nwhether a particular controversy is subject to arbitration, or the applicability or enforceability of the\nforegoing paragraph, will be decided 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\nclaim, the electing party must notify the other party in writing. The notice can be given after the beginning\nof a lawsuit and can be given in papers filed in the lawsuit. Otherwise, your notice must be sent to Genesis\nFS Card Services, Inc., Attn: Arbitration Demand, P.O. Box 4477, Beaverton, Oregon 97076, and our notice\nmust be sent to the most recent address for you in our files. The arbitration will be administered by the\nAmerican Arbitration Association (the \xe2\x80\x9cAAA\xe2\x80\x9d) under its rules in effect at the time an arbitration is\ncommenced 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\nin writing to do so. The Arbitration Rules permit you to request deferral or reduction of the administrative\nfees of arbitration if paying them would cause you a hardship. In addition, if you ask us in writing, we will\nconsider your request to pay any or all of your costs of arbitration.\nEach arbitrator shall be a licensed attorney who has been engaged in the private practice of law\ncontinuously during the ten years immediately preceding the arbitration or a retired judge of a court of\ngeneral or appellate jurisdiction. The arbitration award shall award only such relief as a court of\ncompetent jurisdiction could properly award under applicable law, including attorneys\xe2\x80\x99 fees if allowed by\napplicable law or agreement. All statutes of limitation, defenses, and attorney-client and other privileges\nthat 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\nremainder of this Section shall be given full force and effect. However, if the provision precluding class,\nrepresentative or private attorney general Claims in arbitration is deemed unenforceable, then this entire\nArbitration Agreement shall be void and of no force and effect.\n\n1676-3\n\n\x0cYou may reject this provision, in which case only a court may be used to resolve any dispute or claim.\nRejection will not affect any other aspect of the Agreement. To reject this Provision, you must send us a\nnotice within sixty (60) days after you open your Account or we first provide you with a right to reject this\nProvision. This notice must include your name, address and Account Number and be mailed to Genesis FS\nCard Services, Inc., Attn: Arbitration Provision, P.O. Box 4477, Beaverton, Oregon 97076. This is the only\nway 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 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\n4499, Beaverton, OR 97076.\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\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least three (3) business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to\ninvestigate any potential 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\nalso tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why\nwe believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you\ninterest 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\nyour balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit line.\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\nfees 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\napplicable interest and fees. We will then send you a statement of the amount you owe and the\ndate payment is due. We may then report you as delinquent if you do not pay the amount we\nthink you owe.\n\n1676-3\n\n\x0cIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling\nus that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that\nyou are questioning your bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when the matter has 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,\neven if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Account Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your Account, and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The Purchase must have been made in your home state or within 100 miles of your current mailing\naddress, and the Purchase price must have been more than $50. (Note: Neither of these are\nnecessary if your Purchase was based on an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your Account for the Purchase. Purchases made with cash advances from an\nATM or with a check that accesses your 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:\nGenesis FS Card Services, P.O. Box 4499, Beaverton, OR 97076.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do\nnot pay, we may report you as delinquent.\nYour Genesis Credit Account is issued by:\nFirst Electronic Bank\n\n1676-3\n\n\x0c'


b"CREDIT AGREEMENT for the FRY\xe2\x80\x99S CREDIT ACCOUNT from FIRST ELECTRONIC BANK\nIMPORTANT: FRY\xe2\x80\x99S CREDIT ACCOUNT OPENING DISCLOSURES. The following information on interest rates, interest charges, and fees are\naccurate as of: March 4,2020\n\nInterest Rates and Interest Charges\nAnnual Percentage\nRate (APR) for\n27.99%\nPurchases\nThe APR will vary with the market based on the Prime Rate.\nHow to Avoid Paying\nInterest on Purchases\nMinimum Interest\nCharge\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\nFees\nPenalty Fees:\nLate Payment\nReturned Payment\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance due by the due date each month.\nIf you are charged interest, the charge will be no less than $2.\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at:\nhttp://www.consumerfinance.gov/learnmore.\n\nUp to $35\nUp to $25\nThese fees may vary by state. See your Agreement for the fee applicable to your Account.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x98average daily balance (including new purchases).\xe2\x80\x99 See your Account\nAgreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.\nThe Fry\xe2\x80\x99s Credit Account is issued by First Electronic Bank, P.O. Box 521271, Salt Lake City, UT 84152-1271 (\xe2\x80\x9dBank\xe2\x80\x9d).\nCurrent Rate Schedule:\nStandard APR:\nStandard Daily Periodic Rate:\n\n27.99%\n0.076685%\n\nTHIS AGREEMENT CONTAINS AN ARBITRATION PROVISION. UNLESS YOU PROMPTLY REJECT THE ARBITRATION PROVISION (SEE SECTION\n31(n), THE ARBITRATION PROVISION WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING\nYOUR RIGHT TO BRING OR PARTICIPATE IN ANY CLASS PROCEEDING. THE ARBITRATION PROVISION DOES NOT APPLY TO \xe2\x80\x9cCOVERED\nBORROWERS\xe2\x80\x9d UNDER THE MILITARY LENDING ACT.\nThis Credit Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) governs your account with First Electronic Bank, an FDIC-insured industrial bank located in Utah, and\nshould be reviewed carefully and retained for your records. If the Bank approves your application and opens an account for you, you agree\nwith the Bank as follows:\n1. DEFINITIONS. In this Agreement and in your monthly billing statement, the following definitions will apply: the words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and\n\xe2\x80\x9cyours\xe2\x80\x9d refer to each person in whose name this Account was opened and to whom we direct the billing statement; these words also refer\nto anyone you have authorized to use the Account or for whom you have requested an additional Card. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and\n\xe2\x80\x9cBank\xe2\x80\x9d refer to First Electronic Bank, or to any of its successors or assignees. The word \xe2\x80\x9cAccount\xe2\x80\x9d means your revolving line of credit\naccount with the Bank. The words \xe2\x80\x9cAuthorized User\xe2\x80\x9d mean any person whom you give permission to use your Account. The word \xe2\x80\x9cCard\xe2\x80\x9d\nmeans the credit card(s) that may be issued to you under this Agreement for use in connection with your Account. The words \xe2\x80\x9cFry\xe2\x80\x99s\xe2\x80\x9d refers\nto Fry\xe2\x80\x99s Electronics, Inc.\n2. ACCEPTANCE OF AGREEMENT. You acknowledge and agree that any use of the credit associated with your Account constitutes your\nacceptance of the provisions contained in this Agreement, which includes an arbitration provision. The application you signed or otherwise\nsubmitted (including the federal and state notices), any temporary card and the card carrier the Bank sends with your Card are part of and\nare incorporated into this Agreement.\n\n\x0c3. PROMISE TO PAY. You promise to pay us, in accordance with the terms of this Agreement, for all credit that we extend on your Account,\nand all other amounts owed to us under the terms of this Agreement. If this is a joint Account, each of you agrees to be liable individually\nand jointly for the entire amount owed on your Account, even if the Account is only used by one of you.\n4. CREDIT LIMIT. Your initial credit limit is disclosed in the card carrier accompanying your Card, or on the face of any temporary Card.\nThereafter, your credit limit and available credit on your Account will be disclosed on each monthly billing statement. You agree not to\nexceed your credit limit unless authorized by us. You are liable for the entire outstanding balance on your Account, even if it exceeds your\ncredit limit. We may establish from time to time the minimum amount of credit we will extend under the Account for a single transaction.\nCredit balances do not serve to increase your credit limit. The Bank may increase or decrease your credit limit at any time and will notify\nyou of such change in accordance with applicable law.\n5. USE OF ACCOUNT. You may use your Account to make purchases on credit at any Fry\xe2\x80\x99s store. If a Card is issued to you for use in\nconnection with your Account, the Card must be signed to be used. The Card is the property of the Bank and must be returned to the Bank\nif the Bank so requests.\n6. CREDIT AUTHORIZATIONS. Some purchases will require our prior authorization and you may be asked by the merchant to provide\nidentification. If our authorization system is not working, we may not be able to authorize a transaction, even if you have sufficient\navailable credit. We will not be liable to you if any of these events happen. We are not responsible for the refusal of any merchant to accept\nor honor the Card.\n7. AUTHORIZED USERS. You may permit another person to have access to your Account (via methods such as your Account number, your\nCard, additional Cards you may request on your Account, etc.). However, if you do, you must pay us for all charges made by those persons,\nincluding charges for which you may not have intended to be responsible. In addition, you must pay us all fees that may become due under\nthe terms of this Agreement in connection with such charges. You must notify us to revoke permission for any person you have previously\nauthorized to use your Account. If you tell us to revoke another person\xe2\x80\x99s use of your Account, we may close that Account number and set\nup a new Account with a different Account number.\n8. SPECIAL TERMS. You may make purchases under any type of program for qualified merchandise. If an Invoice shows that a specific plan\napplies, then the purchase will be governed by the terms on the Invoice and the terms of this Agreement. You accept the special terms by\nmaking the purchase. The Invoice will state the length of the special terms period, if any.\n9. TYPES OF CHARGES. There are two types of charges or \xe2\x80\x9cPlans\xe2\x80\x9d under your Account: you may make a purchase on (a) the Regular Plan or\n(b) a Promotional Plan. The standard provisions of this Agreement apply to all Promotional Plan transactions unless otherwise specified\nprior to or at the time of purchase under a particular Promotional Plan offering, and will continue to apply to any and all transactions that\nare not subject to a Promotional Plan. The following Promotional Plans may be offered from time to time as specified prior to or at the time\nof purchase: (a) Same As Cash Monthly Payment Plan \xe2\x80\x93 If you pay the full cash sales price of the purchase by the promotional due date, as\nindicated on your billing statement, and pay the Minimum Payment Due when due each billing cycle, as indicated on your billing statement,\nno interest charges will be imposed on the purchase. If such payments are not so made, interest charges will be imposed from the purchase\ndate. All purchases that do not fall under a Promotional Plan are referred to as Regular Plan purchases. Certain rules apply to the allocation\nof payments and interest charges on your promotional purchase if you make more than one purchase on your Account. Call 1-855-4570419 for information.\n10. MONTHLY BILLING STATEMENT. We will send you a monthly billing statement summarizing each transaction on your Account during\nthe preceding billing period. The billing statement will also show the total amount that you owe the Bank at the end of the current billing\nperiod, including any interest charges, fees, debt cancellation (if applicable), the minimum payment due, the payment due date (which date\nis at least 24 days from the monthly statement closing date), and a summary regarding any Promotional Plan charges and due dates. It also\nshows your current Credit Limit. We will mail or deliver your billing statement to only one address. If your Account is a joint Account or if\nmore than one person is permitted to use the Account, you agree that all billing statements and notices regarding the Account may be sent\nsolely to the address shown on our billing records.\nPlease review each billing statement carefully. You must notify us promptly of any change in your name, residence or billing address by\nwriting to us at the \xe2\x80\x9cMail Inquiries\xe2\x80\x9d address on your billing statement. Preservation of your rights under federal law regarding resolution of\nbilling errors depends upon your timely recognition of potential errors, as explained in paragraph 36 below. If you default under this\nAgreement, we may, in our sole discretion, stop sending you billing statements if we deem your Account uncollectible or if we institute\ndelinquency collection proceedings.\n11. VARIABLE ANNUAL PERCENTAGE RATE (APR). The interest rate on your account is subject to change from time to time based on\nchanges in an independent index which is the Prime Rate as published in The Wall Street Journal on the first day of the month that The\nWall Street Journal is published (the \xe2\x80\x9cIndex\xe2\x80\x9d). If the index becomes unavailable, the Bank may designate a substitute Index after providing\nnotice to you. The Standard APR will increase when the Prime Rate increases. If the Prime Rate changes, resulting in a change in the APR,\nthe change will take effect on the first day of your next billing period. Each time the APR changes, we will apply it to any existing balances,\nsubject to special terms of any applicable Promotional Plans. An increase in the variable APR means you will pay higher interest charges and\nperhaps a higher minimum payment.\n12. ANNUAL PERCENTAGE RATES. The APR for purchases is based on a monthly \xe2\x80\x9cPrime Rate\xe2\x80\x9d plus a margin. The Standard APR is\ndetermined by adding 23.74% to the Prime Rate. The corresponding daily periodic rates are 1/365th (1/366th for a leap year) of the then\ncurrent APR. The applicable APRs at the time of account opening are displayed in the Current Rate Schedule immediately preceding this\nAgreement. Subsequent applicable APRs will appear in the monthly billing statement. The APRS may change. Please see paragraph 11 for\ndetails relating to how these rates may change.\n\n\x0c13. MILITARY LENDING ACT DISCLOSURES. Notice for active duty military personnel and dependents: Federal law provides important\nprotections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This\nrate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\nproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit\ntransactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). If you would\nlike to hear about your Military Lending Act rights and a description of your payment obligation, please contact us at 1-877-634-6368\n14. INTEREST CHARGES. The following interest charges apply whether before or after default, judgment, or the closing of your Account:\n(a) When Periodic Interest Charges Begin To Accrue. Your due date is at least 24 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due date each month, otherwise, periodic interest charges will\nbe assessed on each purchase from the date of the transaction. If during the previous billing cycle you paid in full by the Payment Due Date,\nthen in the current billing cycle you will have an additional interest-free period on the amount of any Regular Plan Purchases paid by the\nPayment Due Date, based on our payment allocation method. Under certain Promotional Plans that may be offered from time to time,\ninterest charges may be waived under the specific terms that will be provided at or prior to the time of purchase under such Promotional\nPlan. (b) Calculation of Interest Charges. The total amount of interest charges for a billing period will be calculated as follows: (1) Regular\nPlan - We calculate the interest charge on your account by applying the periodic rate to the Average Daily Balance of your account\n(including new transactions). To get the Average Daily Balance we take the beginning balance of your Regular Plan account each day, add\nany new purchases and fees and subtract any payments or credits. This gives us the daily balance (any unpaid interest charges incurred\nduring that billing period are not included in the daily balance). Then we add up all the daily balances for the billing cycle and divide the\ntotal by the number of days in the billing cycle. This gives us the \xe2\x80\x9cAverage Daily Balance,\xe2\x80\x9d which is also called the \xe2\x80\x9cBalance Subject to\nInterest Rate\xe2\x80\x9d on your monthly statement. We then multiply the Average Daily Balance by the daily periodic rate (DPR). That number is\nthen multiplied by the number of days in the billing period. (2) Promotional Plans - We calculate the interest charge on your account by\napplying the periodic rate to each Promotional Plan Average Daily Balance. These are special promotional transaction balances on which\ninterest charges are accruing but will be waived provided (i) the balance for the Promotional Plan is paid in full by the Promotion Expiration\nDate as specified on the front of your billing statement, and (ii) you do not default, by failing to make any Minimum Payment Due by 60\ndays from the due date shown on your billing statement, before the Promotional Plan has been paid in full. Promotional Plans with\ndifferent promotional expiration dates or terms are treated as different Credit Plans for this purpose. To get the Promotional Plan Average\nDaily Balance, we take the beginning balance of each Promotional Plan account each day and subtract any payments or credits applicable to\nthat Plan. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of\ndays in the billing cycle. This gives us each Promotional Plan Average Daily Balance, which is also called the \xe2\x80\x9cDeferred Interest Balance\xe2\x80\x9d on\nyour monthly statement. We then multiply the Promotional Plan Average Daily Balance by the daily periodic rate (DPR). That number is\nthen multiplied by the number of days in the billing period. (3) The sum of the amounts determined under (1) and (2) above is your interest\ncharge on purchases. The deferred interest charge, if any, determined under (2) above is accumulated from billing cycle to billing cycle and\nposted to your Account as interest charges only if the applicable Promotional Plan has not been paid in full by the Promotion Expiration\nDate or if you default, by failing to make any Minimum Payment Due by 60 days from the due date shown on your billing statement, before\nthe Promotional Plan transactions have been paid in full. (c) Days in Billing Period. For interest charge calculation purposes, the billing\nperiod begins on the day after the Statement/Closing Date of the previous billing period and includes the Statement/Closing Date of the\ncurrent billing period. The number of days in the billing period may vary. (d) Minimum Interest Fee. A minimum interest charge of $2.00\nwill be assessed on each Account for any billing cycle in which an interest charge is due.\n15. MINIMUM PAYMENT DUE. You agree to pay us, in time for receipt by us on or before the applicable due date and time shown on your\nbilling statement and this Agreement, the total \xe2\x80\x9cminimum due\xe2\x80\x9d amount reflected on your billing statement. The total minimum payment\ndue will be equal to the greater of $35.00 ($2.00 if there is no Regular Plan balance or if the Regular Plan balance is less than $35.00) or 1%\nof balance plus billed interest charges plus any fees plus any Past Due amount, rounded up to the next whole dollar. If the balance shown\non your statement is less than $35.00, your Minimum Payment Due will be the entire balance. Your receipt of a credit does not relieve you\nof your obligation to pay the Minimum Payment Due. You may at any time pay more than the minimum payment due without penalty.\nHowever, when you pay more than your minimum payment due it will not extend, delay or otherwise impact your payment due in the\nfollowing billing period. Making only the minimum payment will increase the amount of interest you pay and the time it takes to repay\nyour balance.\n\n16. PAYMENTS. The payment due date on your Account will be the same date each month and will be at least 24 days from the closing\n\ndate on your statement. All payments must be made in U.S. dollars drawn on funds on deposit in the United States. You may, at any time,\npay more than the monthly Minimum Payment Due or even the entire outstanding balance without a penalty. No partial prepayment will\nextend the due date of any succeeding payment. Payments on your Account should be mailed to us at our remittance address shown on\nyour billing statement. Payments accompanied by the payment coupon portion of your billing statement received by us at that address\nbefore 5:00 p.m. Pacific Time on any banking day will be credited to your Account as of that day. Payments received by us at any other\nlocation, or in any other form, may be subject to a delay in crediting of up to 5 days after receipt. You may not mail us cash. You agree that\nany payment may be returned to you if your check is: (a) missing a signature; (b) drawn with different numeric and written amounts; (c)\nrestrictively endorsed; (d) postdated; or, (e) not paid on presentment. However, if you wish us to consider a payment marked \xe2\x80\x9cpaid in full\xe2\x80\x9d,\n\xe2\x80\x9cwithout recourse\xe2\x80\x9d, or similar language, such payment must be marked for special handling and sent to the \xe2\x80\x9cMail Payments\xe2\x80\x9d address on\nyour billing statement. You agree that we may accept any such payment, late payments, partial payments, and payments marked \xe2\x80\x9cpaid in\nfull\xe2\x80\x9d, \xe2\x80\x9cwithout recourse\xe2\x80\x9d, or otherwise restrictively endorsed without waiving our right to payment in full of your entire Account balance.\nYour Available Credit may be increased by the amount of your payment within a reasonable time after that payment is received. If you have\nmultiple plan balances, payments in the amount of the minimum payment will be allocated to the total Minimum Payment Due. Any\npayment amount above the minimum payment due will be applied as follows: (1) If you have a deferred interest promotion plan balance\nin the last two cycles prior to expiration, excess payments will be applied to that balance first, and (2) In all other situations, we will\napply excess payments to your higher interest balances.\n\n\x0c17. ELECTRONIC PAYMENTS. When you provide a check as payment, you authorize us either to use information from your check to make a\none-time electronic fund transfer from your account or to process the payment as a check transaction. Your check will not be returned to\nyou by us or your bank.\n18. OTHER CHARGES. Other charges on your Account include the following:\n(a) Late Payment Fee. We may add the following fees to your purchase balance if we do not receive your minimum monthly payment by\n5:00 p.m. Pacific Time on the payment due date shown on your billing statement. The Late Payment Fee will be up to $25. If you are late\nmore than once in a six month period, the late payment fee will go up to $35. If you make on time payments for six months, it will return to\n$25. (For Iowa Residents the late payment fee will be up to $15).\n(b) Returned Payment Fee. We may add a fee of up to $25 (up to $20 Iowa Residents) to your purchase balance when a check or other\npayment on your Account is not honored, when we must return it because it cannot be processed, or when an automatic debit is returned\nunpaid. At our option, we may assess this fee the first time your check or payment is not honored, even if it is honored upon resubmission.\n(c) Statement Copy Fee. We may add a fee of $5 to your purchase balance for each billing statement page copy you request on your\nAccount, unless otherwise prohibited by law.\n(d) Reissue Card Fee. We may add a fee of $5 to your purchase balance for each card that you request be reissued on your Account. We\nmay add a fee of $30 to your purchase balance for each card if you request expedited delivery.\n(e) Invoice/Sales Slip and Payment Copy Fee. We may add a fee of $5 to your purchase balance for each copy you request of (1) an\ninvoice/sales slip, and (2) your payments.\n(f) Research Fee. We may add to the purchase balance a fee of $15 per hour for research that you request on your Account (unless such\nresearch discloses a billing error made by the Bank) plus $5.00 per page for any photocopies.\n(g) Expedited Payment Fee. We may permit you to make a payment on your Account by authorizing us over the telephone to transfer or\npay funds from your deposit account to your Fry\xe2\x80\x99s Credit Account. We may impose a fee of up to $15 for each such payment authorized by\nyou for any expedited payment facilitated by our representative.\n(h) Paper Statement Fee. We may add a fee of $1 if we mail a paper billing statement to you.\n19. DEFAULT. You will be in default under this Agreement if the minimum monthly payment listed on the billing statement as Minimum\nPayment Due is not received at the correct address on or before the payment due date, or if you breach any other provision of this\nAgreement, file for bankruptcy, or become insolvent or generally unable to pay your debts, or have furnished false or misleading\ninformation in applying for your Fry\xe2\x80\x99s Credit Account. After your default or your death, and subject to the limitations of applicable law, we\nmay at our option: (a) close your Account and declare the entire unpaid balance on your Account immediately due and payable, (b) require\nyou to surrender the products purchased with any outstanding loans from your Account, and (c) exercise all other rights and remedies\navailable to us under applicable law. In the event of your default, and subject to any limitations or requirements of applicable law, you\nagree to pay all costs, including reasonable attorney\xe2\x80\x99s fees, incurred by us (a) in collecting all amounts due on your Account, whether or not\nsuit is brought against you, and (b) in protecting ourselves from any harm that we may suffer as a result of your default.\n20. LOST OR STOLEN CARD OR UNAUTHORIZED USE. You may be liable for the unauthorized use of your Card or your Account. You will not\nbe liable for unauthorized use that occurs after you notify us immediately by telephone at 1-855-457-0419 of the loss, theft or possible\nunauthorized use. In any case, your liability will not exceed $50.\n21. COMMUNICATIONS BETWEEN US, CONSENT TO ELECTRONIC COMMUNICATIONS AND TELEPHONE MONITORING AND RECORDING.\nWe may use any means of communication to contact you for any lawful purpose (including debt collection). Such means of communication\nmay include, but is not limited to postal mail, telephone, email, text message or other technology, even if you are charged for the contact.\nWe may contact you at any address (including any e-mail or text message address) or telephone number (including any cellular telephone\nnumber or land line number that is later ported to a cellular telephone) that you give to us. We may monitor, tape or electronically record\nour telephone calls with you, including any calls with our customer service department, collection department and any other department.\nWe may contact you using an automatic dialing and announcing device that may play recorded messages. You understand and agree\nthat by providing us with a cellular telephone number, you consent to receive calls at that number by an automatic dialing and\nannouncing device or recorded message. No contact to you will be deemed unsolicited.\n22. FINANCIAL INFORMATION. You agree to provide us with current financial information and updated application information in such\nform and at such times as we may request. We may contact any source we deem necessary in investigating your credit worthiness,\nincluding obtaining consumer credit reports on you from consumer reporting agencies in connection with your application and later in\nconnection with reviewing, renewing, and/or taking collection action on your Account.\n23. CREDIT REPORTING. We may report your performance under this Agreement to credit reporting agencies, including your failure to\nmake minimum payments on time. If you add other Authorized Users or request additional Cards on your Account for others, you\nunderstand that we may report Account information in your name as well as in the names of those other people. We may also obtain\nfollow-up credit reports on you (for example, when we review your Account for a credit line increase). If you wish to know the names of the\nagencies we have contacted, write us at the address listed on the billing statement. We may also respond to inquiries about our credit\nexperiences with you as permitted by law. You are hereby notified that a negative credit report reflecting on your credit record may be\nsubmitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation.\n24. SHARING CUSTOMER INFORMATION; PRIVACY NOTICE. We are permitted by law to share any information about our transactions and\nexperience with you, but other information you provide to us or that we obtain from third parties (for example, credit bureaus) will not be\nshared among our affiliates.\n25. RESPONSIBILITY FOR GOODS OR SERVICES. We are not responsible for goods or services you purchase using your Account except to the\nextent required by applicable law.\n26. CHANGING THIS AGREEMENT. We may amend this Agreement by changing, adding or deleting any term, condition, service or feature\n(\xe2\x80\x9cNew Term\xe2\x80\x9d) of your Account or of this Agreement at any time. We will notify you of such changes to the extent and in the manner\n\n\x0crequired by applicable law. We may apply any new terms to the outstanding balance in the Account at the time of the change, as allowed\nby applicable law, as well as to any advances made after the effective date of the change.\n27. CLOSING YOUR ACCOUNT. We may close your Account and/or suspend your right to use your Account at any time for any reason; we\nwill notify you of such action to the extent and in the manner required by applicable law. We may also reissue a different Card account\nnumber at any time. You must return the Card to us upon request. You may close your Account at any time by notifying us in writing. If\nyours is a joint Account, any one Account holder may terminate this Agreement. We will have no obligation to notify the other Account\nholder. Upon receipt of your written notice, your right to use the Card will be automatically revoked. You will be required to repay the\noutstanding balance in accordance with applicable law.\n28. NO WAIVER BY US. We can delay in enforcing, or fail to enforce, any of our rights under this Agreement without losing them.\n29. SEVERABILITY. If any of the provisions of this Agreement are held to be unenforceable or invalid for any reason, the remaining\nprovisions hereof shall nevertheless remain enforceable, and shall be interpreted in such a manner to preserve the enforceability of this\nAgreement to the maximum extent permitted by applicable law.\n30. ASSIGNMENT OF ACCOUNT. You may not assign your rights under this Agreement or your Account to anyone. We may sell or assign any\nor all of our rights under this Agreement, including our security interest, at any time.\n31. ARBITRATION PROVISION. This Arbitration Provision does not apply to you if, as of the date of this Agreement, you are a member of\nthe Armed Forces or a dependent of such member entitled to protection under the Federal Military Lending Act. Unless you exercise\nyour right to reject arbitration under subsection (n) below, the following Arbitration Provision will apply: (a) General: Either you or we\nmay elect to arbitrate or require the other party to arbitrate any Claim (as defined below) under the following terms and conditions. If you\nor we elect to arbitrate a Claim, neither you nor we will have the right to: (i) have a court or a jury decide the Claim; (ii) participate in a class\naction in court or in arbitration, either as a class representative or a class member; (iii) act as a private attorney general in court or in\narbitration; or (iv) join or consolidate your Claim(s) with claims of any other person. The right to appeal and the right to discovery are more\nlimited in arbitration than in court. Other rights that you would have if you went to court may also not be available in arbitration. (b)\nDefinitions: The following definitions apply to this Arbitration Provision, even if terms defined in this Arbitration Provision are defined\ndifferently elsewhere in this Agreement: (i) \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean First Electronic Bank or any subsequent holder of this Agreement.\nAlso, these terms include the parents, subsidiaries, affiliates and successors of such company, as well as the officers, directors, agents and\nemployees of any of the foregoing. These terms also include any party named as a co-defendant with us in a Claim asserted by you, such as\nmarketing companies, credit bureaus, credit insurance companies, credit card or loan servicers and debt collectors. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and\n\xe2\x80\x9cyours\xe2\x80\x9d include each and every Cardholder or Authorized User. (ii) \xe2\x80\x9cAdministrator\xe2\x80\x9d means the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d),\n1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org, 800-778-7879; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018,\nwww.jamsadr.com, 800-352-5267; or any other company selected by mutual agreement of the parties. If both AAA and JAMS cannot or\nwill not serve and the parties are unable to select an Administrator by mutual consent, the Administrator will be selected by a court. The\nparty initiating an arbitration selects the Administrator. Notwithstanding any language in this Arbitration Provision to the contrary, no\narbitration may be administered, without the consent of all parties to the arbitration, by any Administrator that has in place a formal or\ninformal policy that would purport to override subsection (d) below, captioned \xe2\x80\x9cNo Class Actions\xe2\x80\x9d (the \xe2\x80\x9cClass Action Waiver\xe2\x80\x9d). (iii) \xe2\x80\x9cClaim\xe2\x80\x9d\nmeans any claim, dispute or controversy between you and us that in any way arises from or relates to this Agreement or the Account,\nincluding disputes arising from actions or omissions prior to the date of this Agreement. \xe2\x80\x9cClaim\xe2\x80\x9d has the broadest reasonable meaning, and\nincludes initial claims, counterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort, consumer rights,\nfraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity (including any claim for injunctive or\ndeclaratory relief). However, it does not include disputes about the validity, enforceability, coverage or scope of this Arbitration Provision\nor any part thereof (including, without limitation, the Class Action Waiver, the final sentence in subsection (j) under the caption \xe2\x80\x9cSurvival,\nSeverability, Primacy\xe2\x80\x9d and/or this sentence); all such disputes are for a court and not an arbitrator to decide. However, any dispute or\nargument that concerns the validity or enforceability of this Agreement as a whole is for the arbitrator, not a court, to decide. Claim does\nnot include: (1) any individual action brought by you or us in small claims court or your state\xe2\x80\x99s equivalent court, unless such action is\ntransferred, removed, or appealed to a different court; (2) the exercising of any self-help rights by you or us or (3) any individual action in\ncourt by one party that is limited to preventing the other party from using a self-help remedy and that does not involve a request for\ndamages or monetary relief of any kind. The institution and/or maintenance of any such right, action or litigation will not constitute a\nwaiver of the right of either of the parties to compel arbitration regarding any other dispute subject to arbitration pursuant to this\nArbitration Provision. (c) Starting or Demanding Arbitration: To start an arbitration, the party asserting the Claim (the \xe2\x80\x9cClaimant\xe2\x80\x9d) must\ncommence the arbitration in accordance with the Administrator's rules. To require arbitration of a Claim, the party defending the Claim (the\n\xe2\x80\x9cDefending Party\xe2\x80\x9d) must give the Claimant a written demand for arbitration. This demand may be given after a lawsuit has been filed and\nmay be given in papers or motions in the lawsuit. If an arbitration is commenced or an arbitration demand is given, the Claim shall be\nresolved by arbitration under this Arbitration Provision and the applicable rules of the Administrator then in effect. (d) No Class Actions:\nNotwithstanding any language herein to the contrary, if you or we elect to arbitrate a Claim, neither you nor we will have the right to: (i)\nparticipate in a class action in court or in arbitration, either as a class representative, class member or otherwise; (ii) act as a private\nattorney general in court or in arbitration; or (iii) join or consolidate Claims by or against you with claims by or against any other person,\nand the arbitrator shall have no authority to conduct any such class, private attorney general or multiple-party proceeding. (e) Location\nand Costs: Any arbitration hearing that you attend will take place in a location that is reasonably convenient for you. If you cannot obtain a\nwaiver of the Administrator's or arbitrator's filing, administrative, hearing and/or other fees, we will consider in good faith any request by\nyou for us to bear such fees. We will pay for our own attorneys, experts and witnesses and will pay the reasonable fees and charges of your\nattorneys, experts and witnesses if and to the extent you prevail in the arbitration. Even if you do not win the arbitration, we will pay any of\n\n\x0cthe Administrator's or arbitrator's filing, administrative, hearing and/or other fees, and the fees and charges of your attorneys, experts and\nwitnesses, if and to the extent we are required to pay such fees and charges by law or the Administrator\xe2\x80\x99s rules or in order to make this\nArbitration Provision enforceable. (f) Arbitrator Selection: The arbitrator will be appointed by the Administrator in accordance with the\nrules of the Administrator. However, unless the parties agree otherwise, the arbitrator must be a retired or former judge or a lawyer with at\nleast 10 years of experience. (g) Discovery; Getting Information: In addition to the parties' rights under the Administrator's rules to obtain\ninformation prior to the hearing, either party may ask the arbitrator for more information from the other party. The arbitrator will decide\nthe issue in his or her sole discretion, after allowing the other party the opportunity to object.\n(h) Effect of Arbitration Award: Any court with jurisdiction may enter judgment upon the arbitrator's award. The arbitrator's award will be\nfinal and binding, except for: (1) any appeal right under the Federal Arbitration Act, 9 U.S.C. \xc2\xa71 et seq. (the \xe2\x80\x9cFAA\xe2\x80\x9d); and (2) Claims involving\nmore than $50,000. If permitted by the Administrator\xe2\x80\x99s rules, for Claims involving more than $50,000, any party may appeal the award to a\nthree-arbitrator panel appointed by the Administrator, which will reconsider anew any aspect of the initial award that is appealed. The\npanel's decision will be final and binding, except for any appeal right under the FAA. The costs of any appeal will be borne in accordance\nwith subsection (e) above, captioned \xe2\x80\x9cLocation and Costs.\xe2\x80\x9d (i) Governing Law: This Agreement governs Transactions involving interstate\ncommerce and accordingly this Arbitration Provision shall be governed by the FAA and not by any state law concerning arbitration. The\narbitrator shall follow applicable substantive law to the extent consistent with the FAA, applicable statutes of limitation and privilege rules\nthat would apply in a court proceeding, and shall be authorized to award all remedies available in an individual lawsuit under applicable\nsubstantive law, including, without limitation, compensatory, statutory and punitive damages (which shall be governed by the\nconstitutional standards applicable in judicial proceedings), declaratory, injunctive and other equitable relief, and attorneys' fees and costs.\nUpon the timely request of either party, the arbitrator shall write a brief explanation of the basis of his or her award. The arbitrator will\nfollow rules of procedure and evidence consistent with the FAA, this Arbitration Provision and the Administrator's rules. (j) Survival,\nSeverability, Primacy: This Arbitration Provision shall survive the termination of this Agreement, your fulfillment or default of your\nobligations under this Agreement and/or your or our bankruptcy or insolvency (to the extent permitted by applicable law). In the event of\nany conflict or inconsistency between this Arbitration Provision and the Administrator's rules or other provisions of this Agreement, this\nArbitration Provision will govern. If any portion of this Arbitration Provision, other than the Class Action Waiver, is deemed invalid or\nunenforceable, the remaining portions shall nevertheless remain in force. If a determination is made with respect to any Claim that the\nClass Action Waiver is unenforceable, only this sentence of the Arbitration Provision will remain in force and the remaining provisions shall\nbe null and void, provided that the determination concerning the Class Action Waiver shall be subject to appeal. (k)\nAmendment/Termination: Notwithstanding any provision of this Agreement to the contrary, we will not amend this Arbitration Provision in\na manner that adversely affects your rights or responsibilities in a material manner unless we give you a right to reject the amendment\nand/or the Arbitration Provision in its entirety. (l) Notice and Cure: Prior to initiating a lawsuit or arbitration regarding a Claim, the Claimant\nshall give the Defending Party written notice of the Claim (a \xe2\x80\x9cClaim Notice\xe2\x80\x9d) and a reasonable opportunity, not less than 30 days, to resolve\nthe Claim on an individual basis. Any Claim Notice to you shall be sent in writing by mail to the address for you maintained in our records.\nAny collection letter we send to this address shall be deemed to be a Claim Notice. Any Claim Notice to us shall be sent to us by certified\nmail, return receipt requested, at First Electronic Bank, P.O. 521271, Salt Lake City, UT 84152-1271(or such other address as we\nsubsequently provide you). Any Claim Notice you send must provide your Account Number and telephone number. Any Claim Notice must\nexplain the nature of the Claim and the relief that is demanded. The Claimant must reasonably cooperate in providing any information\nabout the Claim that the Defending Party reasonably requests. Upon receipt of a Claim Notice, we will credit your Account for the standard\ncost of a certified letter. (m) Special Payment: If (i) you submit a Claim Notice on your own behalf (and not on behalf of any other party) in\naccordance with subsection (l), captioned \xe2\x80\x9cNotice and Cure\xe2\x80\x9d (including the timing requirements thereof); (ii) we refuse to provide you with\nthe relief you request; and (iii) an arbitrator subsequently determines that you were entitled to such relief (or greater relief), the arbitrator\nshall award you at least $7,500 in addition to the attorney, witness and expert fees and costs to which you are entitled. (n) RIGHT TO\nREJECT ARBITRATION: You may reject this Arbitration Provision by sending us a written rejection notice in accordance with this\nsubsection (n). We must receive the rejection notice within 45 days after we mail you a Fry\xe2\x80\x99s Credit Card. You may not reject arbitration\nby phone or by any method other than the method described in this subsection (n). In order for a rejection notice to be valid and\neffective, it must: (i) state that you (or both or all of you, if more than one) wish to reject the Arbitration Provision; (ii) state your name,\naddress and Account number; and (iii) be signed by you (or both or all of you, if more than one). If you reject this Arbitration Provision,\nthat will not affect any other provision of this Agreement.\n32. CLASS ACTION WAIVER. You waive the right to initiate or participate in a class action against the Bank relating to this Agreement.\n33. GOVERNING LAW. This Agreement is governed by and construed in accordance with the laws of the United States. To the extent state\nlaw applies to this Agreement, this Agreement will be governed by the laws of the state of Utah. This Agreement is not valid until accepted\nby the Bank in Utah, and any credit extended to you is extended in and from Utah, regardless of where you reside or use your Account. You\nagree that if a dispute arises and you file suit against the Bank, services of process on the Bank may be made only at Bank\xe2\x80\x99s main office in\nSalt Lake City, Utah.\n34. ENTIRE AGREEMENT. This Agreement is the final expression of the agreement between you and the Bank and may not be contradicted\nby evidence of any alleged oral agreement.\n35. FOR FURTHER INFORMATION. For further information about your Account or this Agreement, you may call us at the telephone number\non the front of the billing statement.\n36. YOUR BILLING RIGHTS (KEEP THIS DOCUMENT FOR FUTURE USE). This notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\n\n\x0cWhat To Do IF You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at First Electronic Bank,\nP.O. Box 521271, Salt Lake City, Utah 84152-1271. In your letter, give us the following information: (a) Account information: Your name and\naccount number. (b) Dollar amount: The dollar amount of the suspected error. (c) Description of problem: If you think there is an error on\nyour bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us 1) within 60 days after the error\nappeared on your statement, or 2) at least 3 business days before an automated payment is scheduled, if you want to stop payment on the\namount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter: When we receive your letter, we must do two things: 1) within 30 days of receiving your\nletter, we must tell you that we received your letter - we will also tell you if we have already corrected the error; and 2) within 90 days of\nreceiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or\nnot there has been an error: 1) we cannot try to collect the amount in question, or report you as delinquent on that amount; 2) the charge\nin question may remain on your statement, and we may continue to charge you interest on that amount; 3) while you do not have to pay\nthe amount in question, you are responsible for the remainder of your balance; and 4) we can apply any unpaid amount against your credit\nlimit. After we finish our investigation, one of two things will happen: (a) If we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount. (b) If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due.\nWe may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If\nyou do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of\nanyone to whom we reported you as delinquent, and we must let those organizations know when the 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 correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases: If you are dissatisfied with the goods or services that you purchased\nwith your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase. To use this right, all of the following must be true: 1) the purchase must have been made in your\nhome state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of\nthese are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods\nor services); 2) you must have used your credit card for the purchase; and 3) you must not yet have fully paid for the purchase. If all of the\ncriteria above are met and you are still dissatisfied with the purchase, contact us in writing at: First Electronic Bank, PO Box 521271, Salt\nLake City, Utah 84152-1271. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\n030403130\n\n\x0c"