b'Milestone\xc2\xae Gold Mastercard\xc2\xae Account\nThe Bank of Missouri\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\n35.9%\nfor Purchases\nAPR for Cash Advances\n\n35.9%\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 $.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\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.\n\nF03-Y666-7\n\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\xe2\x80\xa2 Account Opening Fee\n\n$89 (one-time)\n\n\xe2\x80\xa2 Monthly Fee\n\n$0 the first year; $124.80 annually thereafter (billed $10.40 each month)\n\n\xe2\x80\xa2 Annual Fee\n\n$125 the first year; $49 thereafter\n\nTransaction Fees\n\xe2\x80\xa2 Cash Advance Fee\n\n$0 during the first year; after the first year, either $5 or 5% of the amount of each\ntransaction, 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\x0cF03-Y665-6\n\nMilestone\xc2\xae Gold Mastercard\xc2\xae Cardholder Agreement\nDear Cardholder:\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 Account;\n\xe2\x80\xa2 Outlines both your responsibilities and ours;\n\xe2\x80\xa2 Includes certain disclosures required by the Federal Truth in\nLending Act;\n\xe2\x80\xa2 Includes certain disclosures required by the Federal Military\nLending Act;\n\xe2\x80\xa2 Includes an Arbitration of Disputes Provision that will substantially\naffect your rights unless you 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.\nPlease feel free to call us with any questions you may have. We look\nforward to serving you.\nCARDHOLDER AGREEMENT\nThis Agreement contains the terms that govern the use of your Milestone Gold Mastercard\nAccount and outlines both your responsibilities and ours. Please read it in its entirety and\nkeep it for your reference. In addition, any written application, acceptance certificate or\nother request you signed or otherwise submitted for this Account (the \xe2\x80\x9cApplication\xe2\x80\x9d),\nyour Card and the Card Carrier that we send with your Card, and your signature (including\nany electronic or digital signature) on any Application, sales slip or other evidence of\nindebtedness on your Account, are hereby incorporated into and made a part of this\nAgreement. This Agreement begins on the earlier of (i) the date you sign or otherwise\nsubmit an Application that is approved by us, or (ii) the first date that we extend credit\nto you on your Account, as evidenced by a signed sales slip or memorandum, a Cash\nAdvance transaction, or otherwise.\nDefinitions.\nTo simplify this Agreement for you, the definitions listed below will apply throughout, both\nin this Agreement and in your monthly Statements. In addition, the words you, your, and\nyours refer to the Cardholder(s) who holds the Card and is responsible for the Account,\neach of whom is individually and jointly obligated under this Agreement. The words we,\nus, and our refer to The Bank of Missouri.\nAccount: The credit card account for which you were issued a Card imprinted with your\nAccount number and that is subject to 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\napproximately 30 days in length; however, the specific period of time is described on\neach monthly Statement. Your Account will have a Billing Cycle even if a Statement is\nnot required.\nCard: Any Milestone Gold Mastercard issued by us that you may use to obtain a Cash\nAdvance, make Purchases, or lease goods or services on credit. Use of your Account\nnumber 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\narising from a Card issued to another person.\nCash Advance: Credit extended to you in the form of a cash loan through any financial\ninstitution honoring the Card either presented directly or through any other credit\ninstrument, check, device, overdraft coverage plan or ATM that we make available to you\nor that you use. All cash equivalent transactions will be treated as Cash Advances and\nwill be billed to the Cash Advance segment of your Account. Transactions that we view\nas \xe2\x80\x9ccash equivalent transactions\xe2\x80\x9d include without limitation using your Card to purchase\nwire transfer money orders, bets, lottery tickets, casino gaming chips, and other similar\nproducts 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\nLimit will be disclosed on your Card Carrier and your monthly Statements.\nPurchase: Any extension of credit to your Account for the purpose of purchasing or leasing\ngoods or services from participating merchants.\nStatement: A monthly document we provide to you showing Account information\nincluding, among other things, Purchase and Cash Advance transactions, credits and\ndebits, payments, fees, and interest charges made to your Account during a Billing Cycle.\nPurchases and Cash Advances. You may use your Card to purchase or lease goods\nor services from participating merchants. You may also use your Card to obtain Cash\nAdvances from your Account at an ATM, or by presenting it to any institution that\naccepts the Card for that purpose. There are dollar limitations on individual Cash Advance\ntransactions, and we may set a Cash Advance Limit for your Account. Please contact us\nfor information about the Cash Advance limitations that apply to your Account. In addition,\nwe may limit your Account to only one Cash Advance transaction per day.\nYou promise to pay us and are liable for all amounts resulting from the authorized use of\nyour Card or Account, plus any applicable interest charges and other applicable charges\nor fees, payable in U.S. dollars. This includes amounts where you did not sign a purchase\nslip or other documents for the transaction. If you use your Account number without\npresenting your actual Card, such as for mail, telephone, or internet purchases, this will\nbe treated the same way as if you presented your Card. Your promise to pay us will apply\nto your estate if you die.\nWe may limit and restrict the use of the Account/Card at our discretion. Such limitations\nand restrictions include, but are not limited to, gambling transactions, which include, but\nare not limited to, internet-related lottery tickets, casino gambling chips, off-track betting\nand 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\nsomeone else to use, the Card or Account for an unlawful or impermissible purpose, you\nwill be responsible for such use and may be required to reimburse us or Mastercard for\nany 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\nrequest.\nYour Credit Limit. You may not use your Account in any way that would cause you to\ngo over your Credit Limit. We may refuse to authorize or accept any transaction on your\nAccount that would cause you to exceed your Credit Limit, even if you have authorized\nus to charge you an Overlimit Fee for doing so. We may temporarily agree to allow you\nto exceed your Credit Limit; however, in that case you must repay the excess amount\naccording to the terms of this Agreement. Any transactions honored in excess of your\nCredit Limit will not result in an increase of your Credit Limit. We may at any time and\nwithout prior notice to you increase or decrease your Credit Limit, limit the Credit Limit for\nCash Advances or take away your ability to obtain Cash Advances.\nMAKING PAYMENTS\nMonthly Statements. We will send a Statement at the end of each monthly Billing Cycle\nif there is a debit or credit balance on your account of $1 or more, a balance on which an\ninterest charge has been imposed, or as otherwise required by applicable law. You agree\nto pay us, or any party to whom we may transfer and assign your Account or the amounts\nowing under your Account, in U.S. dollars according to all terms and conditions of this\nAgreement. Payments made by a check, money order or other negotiable instrument must\nbe 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\nor $40, whichever is greater. If you elect not to pay your New Balance in full, you must\npay at least the Monthly Minimum Payment by the Payment Due Date shown on your\nStatement, which is at least 25 days after the Closing Date of the Billing Cycle. Your\nMonthly Minimum Payment also will include any past due amount or any amount by which\nthe New Balance exceeds your Credit Limit, whichever is greater. If your New Balance\nis less than or equal to your Monthly Minimum Payment, then your Monthly Minimum\nPayment will be equal to your New Balance.\nPayments should be mailed with the payment coupon and in the envelope provided\nand following the other instructions on the Statement to Genesis FS Card Services,\nP.O. Box 84059, Columbus, GA 31908-4059. Any payment received in that form and\nat that address on or before 5:00 P.M., Eastern Time, on a normal banking day will be\ncredited to your Account that day. If your payment is received in that form and at that\naddress 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. However, if your\nPayment Due Date occurs on a non-banking day, any payment received the next day which\nconforms to the above requirements will not be treated as late. Please allow at least seven\n(7) business days for postal delivery. Payments received by us at any other location or in\nany 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\nparagraph, we may delay the crediting of the payment for up to five (5) days. This may\ncause you to incur Late Payment Fees and additional interest charges, and may result in\nyour Account being declared in default.\nWe do not accept cash payments through the mail. You may not make payments with\nfunds from your Account or any other credit account issued by us.\nWhen you provide a check as payment, you authorize us either to use information from\nyour check to make a one-time electronic fund transfer from your account or to process\nthe payment as a check transaction. When we use information from your check to make\nan electronic fund transfer, funds may be withdrawn from your account as soon as the\nsame day we receive your payment and you will not receive your check back from your\nfinancial institution.\nAt any time, you may pay part or all of the full amount you owe without incurring any\nadditional charge for prepayment. The amount of any payment that exceeds your total New\nBalance will be applied as a credit to your Account, and any remaining credit balance will\nbe refunded as required by law.\nCredit availability may be delayed at our sole discretion to ensure payment in good funds.\nYour available credit on your Credit 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\nMonthly Minimum Payment will be allocated in any way we determine, including to\nbalances with lower Annual Percentage Rates before balances with higher Annual\nPercentage Rates. We will generally apply payments up to the amount of your Monthly\nMinimum Payment in a manner most favorable or convenient for us.\nFor each Billing Cycle, to the extent your payments exceed your Monthly Minimum\nPayment, we will apply these excess amounts 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\nof which constitutes your total interest charge for the Billing Cycle:\n\n1. A Cash Advance Transaction Fee imposed on each Cash Advance transaction posted\nduring a Billing Cycle, in an amount equal to the greater of $5 or 5% of the amount of\neach Cash Advance. Any unpaid Cash Advance Transaction Fee will be added to the\ncalculation of your Average Daily Balance of Cash Advances. We will not charge any\nCash Advance Transaction Fees, however, during the one-year period beginning on the\ndate you open your Account.\n2. Periodic interest charge computed by applying the applicable Monthly Periodic Rate\nor Rates, determined as provided below under Computing the Purchase and Cash\nAdvance Balance Monthly Periodic Rates and Corresponding Annual Percentage\nRates (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 $.50, then a\nMinimum Interest Charge Fee of $.50 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.\ndollar amount of each transaction, including Cash Advances and Purchases, that is\neffected in any currency other than U.S. dollars.\nWhen Interest Charges Begin to Accrue. Interest charges on Purchases will be imposed\nat the applicable Monthly Periodic Rate from the date each Purchase is made, and will\ncontinue to accrue on unpaid balances as long as they remain unpaid. However, we do not\nassess interest charges in the following circumstances:\n1. If you paid the New Balance at the beginning of your previous Billing Cycle by the\nPayment Due Date during the previous Billing Cycle, or if that New Balance was $0 or\na credit balance, then:\na. if you pay the New Balance on your current Statement in full by the Payment Due\nDate in your current Billing Cycle, we will not assess interest charges on Purchases\nduring your current Billing Cycle; and\nb. if you make a payment that is less than the New Balance by the Payment Due Date\nin your current Billing Cycle, we will credit that payment as of the first day in your\ncurrent Billing Cycle.\n2. If you had a New Balance at the beginning of your previous Billing Cycle and you did not\npay that New Balance by the Payment Due Date during that previous Billing Cycle, then\nwe will not assess interest charges on any Purchases during the current Billing Cycle if\nyou pay the New Balance at the beginning of your current Billing Cycle by the Payment\nDue Date in your current Billing Cycle.\nPeriodic interest charges on Cash Advances will be imposed at the applicable Monthly\nPeriodic Rate from the date each Cash Advance is made and will continue to accrue\non unpaid balances as long as they remain unpaid. There is no grace period on Cash\nAdvances and there is no period within which to pay to avoid interest charges on Cash\nAdvances.\nCalculating the Purchase and Cash Advance Balance Subject to Interest Charges\nAverage Daily Balance of Purchases (including new Purchases): To get the Average\nDaily Balance of Purchases, we take the beginning Purchase balance of your Account each\nday, including unpaid interest charges on Purchases and Foreign Currency Conversion\nFees on Purchases, add any new Purchases as of the date of transaction, and subtract\nthe applicable portion of any payments and credits as of the transaction date. On the first\nday of a Billing Cycle, we also add any unpaid Late Payment Fees and Overlimit Fees. We\nadd all other unpaid Fees (excluding Monthly Fees) to the Purchase balance on the day\nthe fees are posted to your Account. This gives us the daily balance for Purchases. Then\nwe add all these 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 of Purchases.\nAverage Daily Balance of Cash Advances (including new Cash Advances): To get the\nAverage Daily Balance of Cash Advances, we take the beginning Cash Advance balance\nof your Account each day, including unpaid interest charges on Cash Advances and\nForeign Currency Conversion Fees on Cash Advances, add any new Cash Advances as\nof the date of transaction, add the Cash Advance Transaction Fee on any Cash Advances\nas of the transaction date of each Cash Advance, and subtract the applicable portion of\nany payments and credits as of the transaction date. This gives us the daily balance for\nCash Advances. Then we add all these daily balances for the Billing Cycle together and\ndivide the total by the number of days in the Billing Cycle. This gives us the Average Daily\nBalance of Cash Advances.\nComputing the Purchase and Cash Advance Balance Monthly Periodic Rates and\nCorresponding Annual Percentage Rates (APR)\nMonthly Periodic Rates: The Monthly Periodic Rate is calculated by dividing the APR by\n12. The Purchase APR is 35.9% and the standard Monthly Periodic Rate for Purchases\nis 2.9916%. The Cash Advance APR is 35.9% and the Monthly Periodic Rate for Cash\nAdvances is 2.9916%.\nOTHER FEES\nIn addition to interest charges, a variety of fees may be applied to your Account, as set\nforth below.\nAnnual Fee. We will charge an initial Annual Fee of $125 to your Account on or about\nthe date your Account is opened and then a renewal Annual Fee of $49 on or about each\nanniversary of that date. The initial Annual Fee is nonrefundable; the renewal Annual Fee\nis also nonrefundable unless you notify us to cancel your Account within 30 days from\nthe mailing date of the billing Statement or other communication containing the renewal\nAnnual Fee notice.\nLate Payment Fee. If we do not receive your Monthly Minimum Payment by the Closing\nDate of the Billing Cycle in which the Payment Due Date occurs and the amount past due\non your Account is more than $9.99, we will charge a Late Payment Fee to your Account.\nThe Late Payment Fee is $29 if you were not charged a Late Payment Fee during any of\nthe prior six Billing Cycles. Otherwise, the Late Payment Fee is $40. The Late Payment Fee\nwill 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\nHow Interest Charges Are Determined section are an amount less than $.50, then a\nMinimum Interest Charge Fee of $.50 will be charged instead of such smaller amounts\nand will be treated as a fee on your billing statement and added to your Purchases at our\ndiscretion.\nMonthly Fee. We will not charge a Monthly Fee during the first year (i.e. the introductory\nyear) that your Account is open. Thereafter, we will charge a Monthly Fee of $10.40 per\nmonth ($124.80 Annually) at the end of each Billing Cycle unless you notify us to close\nyour Account prior to the end of a Billing Cycle. Your payment of this Monthly Fee does not\nin any way limit any of our rights or remedies under this Agreement, in law, or in equity,\nincluding, without limitation, our right to close your Account or limit transactions on your\nAccount pursuant to this Agreement.\nReturned Payment Fee. If any payment on your Account is returned to us unpaid for any\nreason, we will charge a Returned Payment Fee to your Account. The Returned Payment\nFee is $29 if you were not charged a Returned Payment Fee during any of the prior six\nBilling Cycles. Otherwise, the Returned Payment Fee is $40. The Returned Payment Fee\nwill never exceed 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\nwhen a transaction causes you to go over or remain over your Credit Limit during any\nBilling Cycle. We may also charge you two additional Overlimit Fees if your New Balance\nremains over your Credit Limit as of the Payment Due Date in future Billing Cycles. We will\nonly charge you one Overlimit Fee per Billing Cycle, even if you go over your Credit Limit\nmultiple times in the same Billing Cycle. The Overlimit Fee is $29 if you were not charged\nan Overlimit Fee during any of the prior six Billing Cycles. Otherwise, the Overlimit Fee is\n$40. The Overlimit Fee will never exceed the maximum amount you are over your Credit\nLimit during the Billing Cycle.\nDocumentation Fee. You may request a copy of a Statement previously sent to you\nfor a Documentation Fee of $3 per Statement, which will be applied to your Account.\nCopies of sales tickets or other items posted to your Account may be obtained for a\nDocumentation Fee of $10 per sales ticket or other item, which will be applied to your\nAccount. Notwithstanding the foregoing, we will not impose any fee in connection with a\ngood faith assertion of a billing error or other exercise of your Billing Rights (see below\nunder \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\nthis section apply to Covered Borrowers. If you would like more information about whether\nyou are a Covered Borrower, you may contact us at 1-866-453-2636.\nStatement of MAPR. Federal law provides important protections to members of the Armed\nForces and their dependents relating to extensions of consumer credit. In general, the cost\nof consumer credit to a member of the Armed Forces and his or her dependent may not\nexceed 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;\n(2) fees for ancillary products sold in connection with the credit transaction; (3) any\napplication fee charged (other than certain application fees for specified credit transactions\nor accounts); and (4) any participation fee charged (other than certain participation fees\nfor a credit card account).\nOral Disclosures. In order to hear important disclosures and payment information about\nthis Agreement, you may call 1-866-875-5929.\nApplicability of Arbitration of Disputes Provision. The Arbitration of Disputes Provision\nset forth in this Agreement does not apply to Covered Borrowers.\nLOST CARDS AND UNAUTHORIZED USE\nYou will take reasonable steps to prevent the unauthorized use of your Card and Account.\nIf your Card is lost or stolen or if someone else might be using it without your permission,\nyou must tell us at once. You may tell us by calling the telephone number on the back of\nyour Card or on your Statement or by writing us at the address on your Statement. You\nwill not be responsible for the charges made to your Account that are found by us to be\nunauthorized. If we reimburse your Account for unauthorized charges made using your\nCard or Account, you will help us investigate, pursue, and get reimbursement from the\nwrongdoer. Your help includes giving us documents that we ask for and are acceptable\nto us.\nCOMMUNICATIONS\nTelephone Monitoring and Recording; Communications. You consent and agree\nthat, except as restricted by applicable law, we may monitor and/or record telephone\ncalls regarding your Account, suppress caller identification services, use prerecorded\nmessages, and use an automated telephone dialing and announcing system. You\nexpressly consent that we and our agents, any servicer, or any subsequent owner of your\nAccount may (i) contact you at any cellular telephone number that you provided as part of\nyour application, at any number that you later provide (including, without limitation, after\n. . . CONTINUED ON REVERSE\n\n\x0cyour Account is in a default status), or at any other number that is identified as related\nto you, including by text message, and (ii) use automated telephone dialing systems to\ninitiate 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\nuse that email address to contact you about your Account and may send you information\nabout products and services related to your Account.\nWe or our representatives may contact you from time to time regarding the Account,\nor to ask for additional information about you or your experience with us. You agree\nthat such contacts are not unsolicited and may include contacts at your home or place\nof employment, during weekdays, weekends or holidays, on your mobile telephone,\nvoicemail or answering machine, or by email, fax, recorded message, text message or\npersonal visit.\nHow to Revoke Consent for Future Communications: If you want to revoke your consent\nto future communications as described in the previous paragraph, you must send us a\nwritten notice that includes: (i) your name, mailing address, and Account number(s); (ii)\nthe specific telephone number(s), email address(es) and/or mailing address(es) at which\nyou no longer wish us to contact you, and (iii) the types of communications (telephone,\ntext, email, and/or mail) for which you are revoking consent. You must send this written\nnotice to: Genesis FS Card Services, P.O. Box 4477, Beaverton, OR 97076. You understand\nand agree that it may take up to three business days after receipt of your written notice\nto process your request, and that you consent to continued communications during this\nperiod of time.\nOUR RIGHTS AND HOW THEY AFFECT YOU\nMerchant Refunds. If a merchant agrees to give you a refund for goods or services\npurchased with your Card or Account, you will accept a credit on your Account instead of\na cash refund. We do not control when a merchant sends us your refund and we will have\na 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\nwithout losing any of our rights under this Agreement. You agree not to send us\npartial payments marked \xe2\x80\x9cpaid in full,\xe2\x80\x9d \xe2\x80\x9cwithout recourse,\xe2\x80\x9d or similar language. If\nyou send such a payment, we may accept it without losing any of our rights under\nthis Agreement. All written communications concerning disputed amounts, including\nany 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\nlimitations or as full satisfaction of a disputed amount, must be mailed or delivered to\nGenesis FS Card Services, P.O. Box 4499, Beaverton, Oregon 97076.\nCredit Reports and Information. You authorize us to make or have made any credit,\nemployment, or other investigative inquiries we deem appropriate to extend you credit or\ncollect amounts owed to us on your Account. We (including any assignee of the Account\nor 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\ncredit 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\ninaccurate or that we have reported or may report to a credit reporting agency information\nabout you that is inaccurate, please notify us of the specific information that you believe\nis inaccurate by writing to us at Genesis FS Card Services, P.O. Box 4499, Beaverton, OR\n97076.\nDefault and Collection. Unless prohibited by applicable law, your Account is considered\nto be in default if (1) you fail to make the required Monthly Minimum Payment on or before\nthe Payment Due Date, including if your payment is returned or cannot be processed and\nyou do not correct that failure within 31 days, (2) you try to exceed or do exceed your\nCredit Limit without permission and do not bring your Account back under your Credit\nLimit within 31 days, (3) you become subject to bankruptcy or insolvency proceedings,\n(4) you become subject to attachment or garnishment proceedings, (5) you give us any\nfalse information or signature, (6) you die, or (7) you fail to comply with any portion of\nthis Agreement. Our accepting a late or partial payment does not waive default. Default on\nthis Account will constitute default on all accounts you hold with us. Subject to any notice\nof default and right to cure or other restrictions of applicable law, if you are in default, we\nmay declare the entire balance due immediately. You agree to pay our reasonable costs\nand attorneys\xe2\x80\x99 fees and expenses related to the collection of your Account, and retrieving\nyour Card, to the extent permitted by applicable laws.\nChange of Terms. Subject to the limitations of applicable law, we may, at any time,\nchange or remove any of the terms and conditions of, or add new terms or conditions\nto, this Agreement. If required by applicable law, we will mail written notice of such\na change to you in the manner required by such law. As of the effective date, the\nchanged or new terms will apply to new Purchases and Cash Advances and also to\nthe outstanding balance of your Account, subject to the limitations of applicable law.\nDelay in Enforcement. We can delay enforcing our rights under this Agreement without\nlosing them.\nOTHER PROVISIONS\nOwnership and Use of Your Card. As the Cardholder(s), you are liable for all credit\nobtained under your Account. If you or an Authorized User authorizes another person to\nuse 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\nthe Card. Misuse of your Card by an authorized person will not be considered unauthorized\nuse. See \xe2\x80\x9cLost Cards and Unauthorized Use\xe2\x80\x9d above. Upon demand, you must immediately\nreturn any Card we supply to you or destroy the Card by cutting it in half.\nAuthorized Users. If you ask us to issue a Card to any other person and we agree, they\nare an Authorized User. We may require certain information about an Authorized User. We\nmay also discuss your Account with an Authorized User and provide them with Account\ninformation. You will be responsible for the Authorized User\xe2\x80\x99s use of the Card and Account\nas well as anyone else they allow to use your Card or Account. This will be true even if you\ndid not want, or agree to, the use.\nRemoving an Authorized User. If you want to remove an Authorized User from your\nAccount, you must contact us and request their removal. We will have a reasonable\namount of time after we receive your request to remove them. You also must immediately\ndestroy all Cards in their possession and cancel all of their billing arrangements to the\nAccount. We will not do this for you. During this time, you still will be responsible for all\namounts they, or another person they authorize to use the Card, charge to the Account.\nYou will be responsible even if these amounts do not appear on your Account until later.\nAn Authorized User may remove themselves from the Account upon their request. We\nreserve the right to remove them from your Account for any reason. To remove them\nfrom your Account, we may close your existing Account and issue a new Card with a new\nAccount number.\nTransactions. You will retain for Statement verification your copy of each Purchase slip,\nCash Advance or other transaction to your Account.\nTransfer of Your Account. You may not transfer your Account to any other person. We\nmay assign your Account or amounts owing under your Account to any other person at\nany time and the assignee will take our place under the Agreement with respect to all\nagreements 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\nability to obtain credit on your Account, or both, at any time, for any reason permitted by\nlaw and with or without advance notice.\nYou may close your Account at any time by contacting us. The closure of Account will not\nbecome effective until you have returned to us all of the Cards we have given you. If you\nhave a joint Account and want to remove one of the names from the Account, we must\nreceive a written request signed by both of the Cardholders on the Account and all Cards\nmust be returned upon request. No party is released from the obligation for the balance\nowing on a joint Account, unless we agree to the arrangements in writing. You may have\nto reapply for a new Card for an individual Account when you request a change from a joint\nAccount to an individual Account.\nIf your Account is closed or suspended for any reason, you must stop using your Card.\nYou must also cancel all billing arrangements to the Account. We will not do this for you.\nIf we close or permanently suspend your Account, you must also return all Cards to us.\nYou must still pay us all amounts you owe on the Account, even if they are charged after\nyour Account is closed or suspended.\nAdditional Benefits and Services. From time to time, we may offer you benefits and\nservices with your Account. These benefits and services may be provided by us or\nthird parties. Unless expressly made a part of this Agreement, and except as provided\nin the Arbitration of Disputes section below, any such benefits and services are not a\npart of this Agreement, and are subject only to the terms and conditions outlined in the\nbenefits or services brochure and other official documents provided to you with respect\nto the benefits and services. We may adjust, add, or delete benefits or services at any\ntime in accordance with the brochures or documents you receive. Except as required by\napplicable law, we are not liable for benefits or services provided by third parties or the\nactions or omissions of those third parties.\nForeign Currency Conversion. Payment must be made in U.S. Dollars for charges you\nincur in any other currency. If you effect a transaction with your Card in a currency other\nthan U.S. Dollars, Mastercard International Incorporated (\xe2\x80\x9cMastercard\xe2\x80\x9d) will convert the\ncharge 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.\nCurrently, the currency conversion rate used by Mastercard to determine the transaction\namount in U.S. Dollars for such transactions is generally either a government mandated\nrate or a wholesale rate determined by Mastercard for the processing cycle in which\nthe transaction is processed. The currency conversion rate used by Mastercard on the\nprocessing date may differ from the rate that would have been used on the Purchase date\nor monthly Statement posting date. We will also assess a Foreign Currency Conversion\nFee 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\nAccount for any reason. Although you may have credit available, we may decline any\ntransaction for any reason. We are not liable for any refusal to honor your Card or Account.\nFrom time to time, due to circumstances beyond our control (such as system failures,\nnatural disasters, or other unpredictable events), our services may not be available.\nWhen this happens, you may be unable to use your Card or obtain information about your\nAccount. We will not be responsible or liable if this happens.\nChange of Address, Employment and Telephone. We will send all written notices and\nStatements to your address as it appears on our records. To avoid delays and missed\npayments that could affect your credit standing, you agree to promptly advise us if you\nchange your mailing address, place of employment, or telephone number.\n\nthe convenience of reference only and are not intended to define or describe the scope or\nintent of any portion of the Agreement.\nGoverning Law. This Agreement is controlled and governed by the laws of the State of\nMissouri, including Missouri Revised Statutes (Chapter 408 Legal Tender and Interest)\nSection 408.145, except to the extent that such laws are inconsistent with controlling\nfederal laws.\nArbitration of Disputes Provision. PLEASE READ THIS ARBITRATION OF DISPUTES\nPROVISION CAREFULLY. UNLESS YOU SEND US THE REJECTION NOTICE DESCRIBED\nBELOW, THIS PROVISION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES\nBETWEEN YOU, ON THE ONE HAND, AND US OR ANY SERVICER OF YOUR ACCOUNT,\nINCLUDING, BUT NOT LIMITED TO, GENESIS FS CARD SERVICES, INC. (\xe2\x80\x9cGENESIS\xe2\x80\x9d),\nON THE OTHER HAND, WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS\nTHAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU\nWILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3)\nLESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED.\nTHIS ARBITRATION OF DISPUTES PROVISION DOES NOT APPLY TO YOU IF, AS OF\nTHE DATE OF THIS AGREEMENT, YOU ARE A MEMBER OF THE ARMED FORCES OR\nA DEPENDENT OF SUCH MEMBER ENTITLED TO PROTECTION UNDER THE FEDERAL\nMILITARY LENDING ACT. PLEASE SEE THE SECTION OF THIS AGREEMENT LABELED\n\xe2\x80\x9cMILITARY LENDING ACT.\xe2\x80\x9d IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER\nYOU ARE ENTITLED TO PROTECTION UNDER THE FEDERAL MILITARY LENDING ACT,\nYOU MAY CONTACT US AT 1-866-453-2636.\nThis provision replaces any existing arbitration provision with us and will stay in force\nno matter what happens to your Account, including the closing of your Account. Except\nas expressly provided below, you must arbitrate individually, by binding arbitration\nunder the Federal Arbitration Act (\xe2\x80\x9cFAA\xe2\x80\x9d), any dispute or claim between you, any joint\nCardholder and/or Authorized User, on the one hand, and us, our affiliates, and agents,\nand/or any servicer of your Account, including, but not limited to, Genesis, on the other\nhand, if the dispute or claim arises out of or is related to (a) this Agreement (including\nwithout limitation, any dispute over the validity of this Agreement to arbitrate disputes or\nof this entire Agreement), or (b) your Account, or (c) any relationship resulting from this\nAgreement, or (d) any insurance or other service related to your Account, or (e) any other\nagreement related to your Account (including prior agreements) or any such service, or\n(f) breach of this Agreement or any other such agreement, whether based on statute,\ncontract, tort or any other legal theory (any \xe2\x80\x9cClaim\xe2\x80\x9d). However, we will not require you to\narbitrate any individual Claims in small claims court or your state\xe2\x80\x99s equivalent court, so\nlong as it remains an individual case in that court.\nYOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE\nATTORNEY GENERAL ACTION AGAINST US OR ANY SERVICER OF YOUR ACCOUNT,\nINCLUDING, BUT NOT LIMITED TO, GENESIS, IN COURT OR ARBITRATION. ALSO,\nYOU MAY NOT BRING CLAIMS AGAINST US OR ANY SERVICER OF YOUR ACCOUNT,\nINCLUDING, BUT NOT LIMITED TO GENESIS, ON BEHALF OF ANY CARDHOLDER\nWHO 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\nCARDHOLDER MAY BRING ANY CLAIMS AGAINST US OR ANY SERVICER OF YOUR\nACCOUNT, INCLUDING, BUT NOT LIMITED TO, GENESIS, ON YOUR BEHALF. CLAIMS\nBY YOU AND AN UNRELATED CARDHOLDER MAY NOT BE JOINED IN A SINGLE\nARBITRATION. THE ARBITRATOR WILL NOT HAVE THE POWER TO CONSIDER SUCH\nCLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTIONS OR ANY SUCH\nCLAIMS YOU BRING ON BEHALF OF AN UNRELATED CARDHOLDER.\nJudgment on the arbitration award may be entered in any court having jurisdiction.\nAny dispute regarding whether a particular controversy is subject to arbitration, or the\napplicability or enforceability of the foregoing paragraph, will be decided by a court and\nnot by an arbitrator.\nIf you or we or any servicer of your Account, including, but not limited to, Genesis, elect\nto arbitrate a claim, the electing party must notify the other party in writing. The notice\ncan be given after the beginning of a lawsuit and can be given in papers filed in the\nlawsuit. Otherwise, your notice must be sent to Genesis FS Card Services, Inc., Attn:\nArbitration Demand, P.O. Box 4477, Beaverton, Oregon 97076, and our notice must be\nsent to the most recent address for you in our files. The arbitration will be administered\nby 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\n(the \xe2\x80\x9cArbitration Rules\xe2\x80\x9d). We will tell you how to contact the AAA and how to get a copy of\nthe Arbitration Rules without cost if you ask us in writing to do so. The Arbitration Rules\npermit 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\nyour 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\nof law continuously during the ten years immediately preceding the arbitration or a retired\njudge of a court of general or appellate jurisdiction. The arbitration award shall award only\nsuch 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\nlimitation, defenses, and attorney-client and other privileges that would apply in a court\nproceeding will apply in the arbitration.\nIf any provision of this Section regarding arbitration of disputes shall be deemed to be\nunenforceable, the remainder of this Section shall be given full force and effect. However,\nif the provision precluding class, representative or private attorney general Claims in\narbitration is deemed unenforceable, then this entire Arbitration Agreement shall be void\nand of no force and effect.\nYou may reject this provision, in which case only a court may be used to resolve any\ndispute or claim. Rejection will not affect any other aspect of the Agreement. To reject this\nProvision, you must send us a notice within sixty (60) days after you open your Account\nor we first provide you with a right to reject this Provision. This notice must include your\nname, address and Account Number and be mailed to Genesis FS Card Services, Inc.,\nAttn: Arbitration Provision, P.O. Box 4477, Beaverton, Oregon 97076. This is the only way\nyou 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\nAct.\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\nServices, P.O. Box 4499, Beaverton, OR 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\nyou believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your Statement.\n\xe2\x80\xa2 At least three (3) business days before an automated payment is scheduled, if you\nwant to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we\nare not required to investigate any potential errors, and you may have to pay the amount\nin 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.\nWe will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to\nyou why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that\namount.\n\xe2\x80\xa2 The charge in question may remain on your Statement, and we may continue to\ncharge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the\nremainder 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\nor 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,\nalong with applicable interest and fees. We will then send you a Statement of the\namount you owe and the date payment is due. We may then report you as delinquent\nif 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\nwithin 10 days telling us that you still refuse to pay. If you do so, we cannot report you\nas delinquent without also reporting that you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us. If we do not follow all\nof the rules above, you do not have to pay the first $50 of the amount you question, even\nif 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\ncard, and you have tried in good faith to correct the problem with the merchant, you may\nhave the right not to pay the remaining amount due on the Purchase. To use this right, all\nof the following must be true:\n1. The Purchase must have been made in your home state or within 100 miles of\nyour current mailing address, and the Purchase price must have been more than\n$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\nor services.)\n2. You must have used your credit card for the Purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your credit card account do\nnot qualify.\n3. You must not yet have fully paid for the Purchase.\nIf all of the criteria above are met and you are still dissatisfied with the Purchase, contact\nus in writing at Genesis FS Card Services, P.O. Box 4499, Beaverton, OR 97076-4499.\nWhile we investigate, the same rules apply to the disputed amount as discussed above.\nAfter we finish our investigation, we will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as delinquent.\nThe Card Issuer:\nThe Bank of Missouri\n\nSeverability. In the event that any provision of this Agreement is determined to be invalid\nor unenforceable for any reason, the remaining provisions will remain in effect.\nEntire Agreement; Interpretation. This Agreement (including other documents\nincorporated herein by reference) constitutes the final expression of the credit agreement\nbetween you and us relating to your Account. The headings used in this Agreement are for\n\nF03-Y665-6\n\n\x0c'