b'PRICING DISCLOSURES\nThese Pricing Disclosures are part of the Cardholder Agreement.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n34.99%\n\nAPR for Cash Advances\n\n34.99%\n\nPaying Interest\n\nYour due date will be a minimum of 21 days after the close of each billing\ncycle. We will not charge interest on new purchases if you pay your entire\nbalance by the due date each month. We will begin charging interest on cash\nadvances on the post date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nCredit Card Tips from the\nConsumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nSet-Up and Maintenance Fees\n\nNotice: The Annual Fee will be assessed before you begin using your\ncard and will reduce the amount of credit you initially have available.\nBased on your initial credit limit of $300.00, your initial available credit\nwill only be $225.00.\nYou may still reject the plan, provided that you have not yet used the\naccount or paid a fee after receiving a billing statement. If you reject the\nplan, you are not responsible for any fees or charges.\n\nProgram Fee\n\n$95.00 (one-time fee).\n\nAnnual Fee\n\n$75.00 for first year\nAfter that, $48.00 annually.\n\nMonthly Servicing Fee\n\nNone for first year (introductory)\nAfter that, $99.00 annually ($8.25 per month).\n\nTransaction Fees\nCash Advance Fee\n\nNone for first year (introductory). After that, either $10.00 or 3 % of\nthe amount of each cash advance, whichever is greater.\n\nPenalty Fees\nLate Payment Fee\n\nUp to $40.00\n\nReturned Payment Fee\n\nUp to $40.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new purchases).\xe2\x80\x9d\nSee your cardholder agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is included in the\ncardholder agreement and on the back of your monthly billing statement.\n\nCHA_202104F01_2\n\n\x0cAdditional Information Regarding Program Fee\nWe require a one-time up front Program Fee of $95.00 to be paid in full before your Account is opened. Once we have\nreceived and processed your payment of the Program Fee, your Account will be opened and you may activate and begin\nusing your Card. Refer to the Section entitled \xe2\x80\x9cRefund Disclosure\xe2\x80\x9d for additional information.\nAdditional Information Regarding Interest Charges and Other Fees\nYour Account is subject to the following Interest Charges and Fees, each of which will be charged to your Account as\na Purchase for the purpose of calculating Interest Charges:\nInterest Charges:\nPaying Interest Charges. You agree to pay us Interest Charges on your Account as described herein. Subject to any\ngrace period for new Purchases as described in the next section, Interest Charges will be imposed beginning the date a\nPurchase or Cash Advance is posted to your Account and will continue to accrue until payment is posted.\nHow to Avoid Paying Interest Charges on New Purchases (Grace Period). If you paid the New Balance on your\nprior monthly billing statement by the due date shown on that billing statement, we will not impose any Interest Charges\non new Purchases, or any portion of a new Purchase, paid by the due date on your current monthly billing statement\n(which will be at least 21 days from the billing cycle closing date). New Purchases are Purchases that first appear on\nyour current billing statement. Cash Advances are subject to Interest Charges from the date the transaction is posted to\nyour Account. Unlike Purchases, this means there is no time in which you can pay the balance of Cash Advances in\norder to completely avoid Interest Charges on Cash Advances.\nDaily Periodic Rate and Corresponding ANNUAL PERCENTAGE RATE (APR). Interest Charges for Purchases\nand Cash Advances are calculated at a daily periodic rate of 0.09585%, which is a corresponding ANNUAL\nPERCENTAGE RATE (APR) of 34.99%. We calculate the daily periodic rate by dividing the APR by 365. Subject\nto any grace period, the APR applied to Purchases will be applied to Fees assessed to your Account.\nHow We Calculate Interest Charges \xe2\x80\x93 We use the Average Daily Balance Method (Including New Purchases) to\ncalculate the Interest Charges for each billing cycle. We calculate the Interest Charges separately on the Purchase\nbalance and the Cash Advance balance that is subject to an APR. We figure the Interest Charges on the Purchase balance\nand Cash Advance balance by multiplying the Average Daily Balance for each balance by the Daily Periodic Rate that\napplies to that balance. We then multiply that amount by the number of days in the billing cycle. The result is the Interest\nCharges for that balance.\nHow We Calculate Average Daily Balance \xe2\x80\x93 We calculate the Daily Balance as follows: (1) we take the previous\nday\xe2\x80\x99s balance (which may include unpaid interest), (2) add new Purchases (including Fees and other charges) to the\nPurchase balance and Cash Advances to the Cash Advance balance, (3) add any interest accrued on the previous day\xe2\x80\x99s\nbalance (this results in daily compounding of interest), and (4) subtract any payments or credits as of the date posted to\nyour Account, and any other adjustments as of the day they are credited to your Account. We figure the Average Daily\nBalance (shown as the Balance Subject to Interest Rate on your statement) separately for Purchases and Cash Advances\nfor each billing cycle. We do this by (A) adding up the Daily Balances for each balance type, and (B) dividing the result\nfor each balance type by the number of days in the billing cycle. This gives us the Average Daily Balance. If a Daily\nBalance is negative, we treat it as zero.\nMinimum Interest Charge. In any month in which an Interest Charge is due, if that Interest Charge is less than $1.00,\nwe may charge you a minimum Interest Charge of $1.00. Notwithstanding the foregoing, during the first 12 months your\nAccount is open, any Interest Charges assessed on your Account will be equal to the actual accrued interest.\n\n\x0cFees:\nAnnual Fee. Your Account will be assessed an Annual Fee of $75.00 when your Account is opened and $48.00 every\ntwelve months thereafter whether or not you use your Account. The Annual Fee is non-refundable except as provided\nin the Section below entitled \xe2\x80\x9cRefund Disclosure.\xe2\x80\x9d Your payment of the Annual Fee does not affect our right to close\nyour Account. The Annual Fee will not be billed to your Account after your Account is closed. The Annual Fee will be\npro-rated based on when the Account is reopened and the Card is re-issued.\nMonthly Servicing Fee. Your Account will not be charged a Monthly Servicing Fee for the first year (introductory)\nfollowing Account opening. Each month thereafter, your Account will be charged a Monthly Servicing Fee of $8.25 per\nmonth ($99.00 annually). This fee will be billed until your Account is closed and the balance is $20.00 or less.\nCash Advance Fee. In addition to the periodic Interest Charge we assess on Cash Advances, each time you obtain a\nCash Advance, we will impose a transaction fee of $10.00 or 3% of the amount of each Cash Advance, whichever is\ngreater. Notwithstanding the foregoing, your Account will not be charged any Cash Advance fees for the first year\n(introductory) following Account opening.\nLate Payment Fee. If we do not receive payment from you in at least the amount of your Total Minimum Payment\nDue by the due date shown on your monthly billing statement, you will be charged a Late Payment Fee. The fee will be\nthe lesser of (a) $29.00 if you did not incur a Late Payment Fee during any of the prior six billing periods; otherwise\n$40.00, or (b) your past due Total Minimum Payment Due amount.\nReturned Payment Fee. If any check or other item tendered in payment of the amount due on your Account is returned\nunpaid for any reason, you will be charged a Returned Payment Fee. The fee will be the lesser of (a) $29.00 if you did\nnot incur a Returned Payment Fee during any of the prior six billing periods; otherwise $40.00, or (b) your past due\nTotal Minimum Payment Due amount.\nAdditional Card Fee. If you authorize us to issue an additional Card for an Authorized User, an Additional Card Fee\nof $29.00 will be imposed annually for each additional Card. This fee will be assessed at the time you request each\nAdditional Card and annually thereafter following each anniversary date of your Account opening, whether or not the\nadditional Card is used. This will reduce your initial available credit by the amount of the fee(s). The Additional Card\nFee is non-refundable except as provided in the Section below entitled \xe2\x80\x9cRefund Disclosure.\xe2\x80\x9d The Additional Card Fee\nwill be pro-rated the first year based on when the additional Card is issued.\nPremium Plastic Card Design Fee. If you choose to select a Premium Plastic Card Design, you authorize us to bill a\none-time Premium Plastic Card Design Fee to your account. The cost of the selected card will be disclosed to you at the\ntime you select it, however, will never exceed $10.00. The Premium Plastic Card Design Fee is refundable if you request\nto cancel the Premium Card Design and notify us of your election within thirty (30) days or one billing cycle (whichever\nis less) after the fee appears on your monthly billing statement.\nCredit Limit Increase Fee. After your Account has been open for at least one year, a fee of 20% of the amount of any\nincrease in your credit limit may be charged to your Account as a Credit Limit Increase Fee. For example: if your credit\nlimit is increased by $100, a $20.00 Credit Limit Increase Fee will be assessed, which will result in additional available\ncredit of $80.00 on your Account. This fee is automatically assessed upon your acceptance of each credit limit increase.\nExpress Delivery Fee. We impose a $35.00 fee for the express delivery of your Card.\nCopying Fee. If you request duplicates of any monthly billing statement or other document, a copying charge of $3.00\nmay be imposed for each copy we provide, unless the request is made in connection with a bona fide billing error dispute.\n\n\x0cVISA\xc2\xae CARDHOLDER AGREEMENT\nTHIS CARDHOLDER AGREEMENT CONTAINS AN ARBITRATION PROVISION. UNLESS YOU ACT\nPROMPTLY TO REJECT THE ARBITRATION PROVISION, IT WILL HAVE A SUBSTANTIAL EFFECT\nON YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING OR\nPARTICIPATE IN A CLASS ACTION.\nThis cardholder agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) contains the terms and conditions under which The Bank of Missouri has\nagreed to establish a Visa credit card Account (\xe2\x80\x9cAccount\xe2\x80\x9d) for you. The accompanying Pricing Disclosures are part of\nthis Agreement. This Agreement contains our most current terms and supersedes any prior terms you may have received\nfrom us. Please read this Agreement carefully and retain it for your future reference.\nAcceptance of Agreement. Use of the Card or Account by you or an Authorized User shall constitute your agreement to\nthe terms and conditions of this Agreement. Whenever stated in this Agreement that we may take certain described\nactions, this permits us to do so at our sole discretion.\nEffective Date of Agreement. Unless you are a resident of the State of New York, this Agreement is effective upon the\nearlier of (1) the first Purchase made or Cash Advance taken on your Account, and (2) the expiration of 30 days from\nthe date we deliver this Agreement to you if you do not provide us written notice of your desire to cancel within this 30\ndays. If you are a resident of the State of New York, this Agreement is not effective until the first Purchase made or\nCash Advance taken on your Account. In all cases, if any Fees are required to be paid prior to opening your Account,\nthis Agreement will not be effective and your Account will not be opened until such Fees are paid in full. You are not\nobligated to pay any Fees or Interest Charges (other than any Fees required to be paid prior to opening your Account)\nuntil this Agreement is effective.\nDefined Terms\n\xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each person who applied for the Account, each person to whom The Bank of Missouri issues a\nCard.\n\xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d means The Bank of Missouri, St. Robert, Missouri, and our agents, authorized representatives,\nsuccessors, and assignees or other holders of this Agreement or your Account.\n\xe2\x80\x9cAuthorized User\xe2\x80\x9d means anyone who uses a Card or your Account with your consent.\n\xe2\x80\x9cCard\xe2\x80\x9d means any Visa credit card issued in connection with your Account, including all renewals and substitutions. It\nalso means any other access device for your Account we give you that allows you to obtain credit, including any\nAccount number.\n\xe2\x80\x9cCash Advance\xe2\x80\x9d means each of the following transactions: (a) a transaction drawing upon your Account using your\nCard and PIN (described below) at an ATM that bears the Visa\xc2\xae logo; (b) a transaction at any participating Visa\xc2\xae\nfinancial institution drawing upon your Account; (c) an electronic or other transfer of funds initiated by us, at your\nrequest (i.e., we sign the check as the drawer), drawing upon your Account; (d) use of a check provided by us (i.e., you\nsign the check as the drawer) drawing upon your Account; (e) a transaction and the fees associated with using your\nCard to purchase cash equivalents, including wire transfers, money orders, and travelers\xe2\x80\x99 checks; and (f) any other\nmethod of obtaining a cash loan.\n\xe2\x80\x9cFees\xe2\x80\x9d means charges imposed on your Account as described in this Agreement that are not based on an Annual\nPercentage Rate.\n\xe2\x80\x9cInterest Charges\xe2\x80\x9d means any charges to your Account based on the application of an Annual Percentage Rate.\n\xe2\x80\x9cNew Balance\xe2\x80\x9d means the outstanding balance of your Account at the end of any billing cycle.\n\xe2\x80\x9cPurchase\xe2\x80\x9d includes (a) a transaction using your Card to purchase or lease goods or services from one who honors\nthe Card; (b) any other Account related Fees; and (c) any other transaction that is not otherwise a Cash Advance.\nOther important words used in this Agreement begin with capital letters. They are defined throughout this Agreement.\n\n\x0cUsing Your Card\nPermitted Uses. You may use your Card and your Account to make Purchases wherever your Card is accepted,\nprovided your Account is in good standing and you have available credit. Each time you use your Card, either for a\nPurchase or a Cash Advance, you are requesting us to make a loan to you for the amount of the Purchase or the Cash\nAdvance. If you use your Account number to make a Purchase or obtain a Cash Advance without presenting your Card\n(such as for a mail order, telephone or internet purchase), the legal effect will be the same as if you used the Card itself.\nEach Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid in\naccordance with the terms of this Agreement.\nCash Advances. You may use your Card to obtain Cash Advances if your Account has been open for at least the later of\nninety (90) days or three completed billing cycles, is not past due and you have available credit for Cash Advances. You\nmay obtain Cash Advances from an Automated Teller Machine (\xe2\x80\x9cATM\xe2\x80\x9d) or through a bank teller. However, the total of\nyour unpaid Cash Advances may not exceed one-half of your credit limit. Cash Advance amounts may also be\nsubject to limits imposed by banks and ATM operators.\nProhibited Uses. You may not use your Card outside the United States, or to make a charge in a foreign currency.\nThe Card may not be used for any illegal transactions. The Card may not be used for online gambling transactions or\nat an automated fuel pump. You further acknowledge that your Card will be for personal use and may not be used for\nbusiness purposes. If you use, or allow someone else to use your Card or Account for any prohibited purpose, you will\nbe responsible for such use and may be required to reimburse us for all amounts or expenses we pay as a result of such\nuse.\nCard. You agree to sign the back of the Card issued to you in connection with your Account immediately upon receipt.\nThe Card is valid during the dates provided on the front. The Card is our property, and you will return it to us or destroy\nit if we ask.\nPIN. Upon your request, you may be assigned a personal identification number (\xe2\x80\x9cPIN\xe2\x80\x9d). With a PIN, you may use your\nCard to obtain Cash Advances from an ATM. You should keep your PIN secure and not write it down, give it to anyone,\nor keep it with your Card. If you lose your Card or believe that someone has gained unauthorized access to your PIN,\nyou must contact us immediately. You may request or change your PIN by calling us at (877) 259-3755.\nCredit Limit. Your credit limit is the maximum amount of credit we have approved for your Account. Your credit\nlimit will be disclosed to you when your Card is issued and will also appear on your monthly billing statement. You\nagree not to make any Purchase or obtain any Cash Advance that would cause the unpaid balance of your Account to\nexceed your credit limit. The total of your unpaid Cash Advances may not exceed one-half of your credit limit. You agree\nthat we may change your credit limit at any time without affecting your obligation to pay the amounts you owe under\nthis Agreement. At our sole discretion, we may honor Purchases or Cash Advances in excess of your credit limit without\nraising your credit limit. If we do, we may require you to pay us any amount over your credit limit immediately. If we\nhave previously allowed your balance to exceed your credit limit, it does not mean that we will permit your balance\nto exceed your credit limit again. See the next section with respect to credit limit increases.\nCredit Limit Increases. Through notification from us or upon your request, your Account may be reviewed for a\ncredit limit increase after being open for at least twelve (12) billing cycles. If you accept a credit limit increase offer, a\nCredit Limit Increase Fee will be assessed to your account. Please refer to the Pricing Disclosures for more\ninformation about the Credit Limit Increase Fee. We reserve the right to decline your request for a credit limit increase in\nour sole discretion.\nLost or Stolen Card; Liability for Unauthorized Use. You will take reasonable steps to prevent the unauthorized use\nof your Card and Account. If your Card is lost or stolen, or you think someone used your Account without your\npermission, tell us immediately by notifying us by phone at (877) 259-3755 or in writing at PO Box 89028, Sioux\nFalls, South Dakota 57109-9028. You will not be liable for unauthorized use of your Card or Account. Certain\nexceptions apply. You agree to cooperate in our investigation of the unauthorized use and provide any information we\ndeem necessary to our investigation. We will send you a new Card with a new account number to replace the Card that\nwas lost or stolen. Although you will be issued a new account number, you will not be considered to have opened a\nnew account, and any existing balance will be transferred to the replacement account. Please see \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d\nsection below for more details.\nDeclines and Authorizations. You agree that we shall have no liability if any merchant or bank refuses to honor your\nCard or Account number, if an ATM or other device fails to properly operate, or if services are unavailable due to\ncircumstances beyond our control (such as system failures, fires, floods, natural disasters, or other unpredictable\n\n\x0cevents). Some transactions on your Account will require prior approval. These prior approvals are called\n\xe2\x80\x9cauthorizations.\xe2\x80\x9d We may limit the number of authorizations we will give your Account during any certain period of\ntime (day, weekend, week) and we may deny an authorization if we suspect that your Account is being used without\nyour permission. If our authorization system is not working fully, we may be unable to give an authorization even\nthough the transaction would not exceed your credit limit. For security reasons, we cannot explain the details of how\nthe authorization system works. You agree that we will not be liable for failing to give an authorization. We are not\nobligated to honor every transaction, even if you have available credit. We may decline a transaction on your Account at\nour discretion for any reason including the following: because of operational considerations, because your Account is in\ndefault, or if we suspect fraudulent or unlawful activity. We are not responsible for any losses if a transaction on your\nAccount is declined for any reason, whether by us or a third party, even if you have sufficient credit available. If the\nauthorization is denied, we may notify the person who attempted the transaction that it has been refused. Transactions\nat some participating merchants (such as hotels, car rental companies, and restaurants) may result in authorizations for\namounts greater than the actual purchase amount, which will have the effect of making less credit available on your\nAccount for several days (usually until the date the actual purchase amount is received from the merchant).\nAuthorized Users. If another person is given access to your Account with your express or implied permission,\nnotwithstanding the provision above, that person is an Authorized User, even if we did not issue an additional Card in\nthe Authorized User\xe2\x80\x99s name. At your request, and if we agree, we may issue an additional Card in the name of an\nAuthorized User with your Account number. You will be responsible for all charges, Cash Advances, Interest Charges,\nPurchases and Fees incurred by any Authorized User. We are not required to try to obtain payment from any Authorized\nUser before requiring payment from you. You and each Authorized User agree that we may report Account information\nto consumer reporting agencies in the names of both you and the Authorized User.\nRemoving an Authorized User. If you want to remove an Authorized User from the Account, you must contact us as\nprovided on your monthly billing statement and request their removal. We will have a reasonable amount of time after\nyour request to research the situation and remove them. You also must immediately destroy all Cards in their\npossession and cancel all of their billing arrangements to the Account. We will not do this for you. During this time,\nyou still will be responsible for all amounts they charge to the Account. You will be responsible even if these amounts\ndo not appear on the Account until later. An Authorized User may remove themselves from the Account upon request.\nWe may close your existing Account and/or issue a new Card with a new Account number.\nTransactions Made in Foreign Currencies. Although charges outside the United States or in a foreign currency are\nnot allowed, if you make a charge in a foreign currency, the exchange rate for the transaction will be either (a) a rate\nselected by Visa from the range of rates available in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate Visa itself receives, or (b) the government-mandated rate in effect for the\napplicable central processing date.\nPayments\nYour Promise to Pay. You promise to pay to us all amounts advanced to you (including amounts advanced to any\nAuthorized User) under this Agreement, plus all Fees and Interest Charges assessed on those amounts, and all other\ncharges, costs, and fees which you incur under the terms of this Agreement.\nTotal Minimum Payment Due. You may pay any or all of the amounts you owe at any time without penalty, but you\nmust pay at least the Total Minimum Payment Due each month on or before the due date in order to maintain your\ncredit privileges. The \xe2\x80\x9cTotal Minimum Payment Due\xe2\x80\x9d is comprised of the Monthly Payment plus any amount past\ndue, as reflected on the monthly billing statement. If the New Balance shown on your statement is $40.00 or less, the\n\xe2\x80\x9cMonthly Payment\xe2\x80\x9d is the New Balance. If the New Balance exceeds $40.00, the Monthly Payment is the greater of (a)\nfive percent (5%) of your New Balance at the end of the billing cycle (rounded up to the nearest dollar) or (b) $40.00.\nThe Total Minimum Payment Due may also include the amount by which your New Balance exceeds your credit limit\n(\xe2\x80\x9cOver Credit Limit Amount\xe2\x80\x9d). Failure to pay the Over Credit Limit Amount as requested on your monthly billing\nstatement will not, by itself, cause your Account to be delinquent. The Total Minimum Payment Due is due by the due\ndate shown on the monthly billing statement (the due date will be at least twenty-one (21) days from the billing cycle\nclosing date) and payments must be made to The Bank of Missouri at the address shown on the monthly billing\nstatement. Merchandise refunds, Fee or Interest Charge reversals or other credits to your Account will be applied\ntowards your outstanding balance, but will not be treated as payments for purposes of satisfying your obligation to\nmake the next Total Minimum Payment Due.\nPayment Instructions. Payments received in Proper Form by 5:00 p.m. CST on a business day will be credited as of\nthe date received. Payments received after 5:00 p.m. CST on a business day and payments made on a Saturday, Sunday,\nor bank holiday will be credited to your Account the next business day. We may, in our discretion, accept payments not\n\n\x0creceived in Proper Form, but crediting of such payments may be delayed up to five business days following receipt.\nDelayed crediting may cause you to incur a Late Payment Fee and additional Interest Charges. \xe2\x80\x9cProper Form\xe2\x80\x9d means\nthat a payment sent by mail or courier follows these guidelines:\n\xef\x82\xb7 Payments must be sent to the address on the payment coupon of your monthly billing statement.\n\xef\x82\xb7 Payments must be made by personal check, money order, cashier\xe2\x80\x99s check, or guaranteed funds (described below) in\nU.S. dollars payable to The Bank of Missouri.\n\xef\x82\xb7 All checks or negotiable instruments must be drawn on a U.S. financial institution and contain proper signatures\nand consistent numeric and written amounts.\n\xef\x82\xb7 Payments must not be in the form of cash or third-party checks.\n\xef\x82\xb7 Your payment coupon must be included with your payment. If your payment coupon is not included, your name\nand account number must be printed legibly on your check or negotiable instrument.\nPayments not made in guaranteed funds may not create available credit for up to fourteen (14) days to allow the payment\nto clear or even longer if circumstances warrant an additional hold, or if we deem ourselves at risk for any reason.\nGuaranteed funds that are accepted include payments in the form of bank or postal money orders, bank cashier\xe2\x80\x99s checks,\nand PayNearMe. This list may change. Please call customer service for a current list of payments accepted as guaranteed\nfunds. Third-party payments are subject to review and may not immediately create available credit. At our discretion,\nwe may accept late or partial payments, as well as payments that are marked \xe2\x80\x9cpaid in full\xe2\x80\x9d or other restrictive\nendorsements, without losing any of our rights under this Agreement. You agree that we need not examine any payment\ncheck to confirm that it is not postdated, and that we may deposit any postdated check for payment to us on the day we\nreceive it. Satisfaction of a debt for less than the full amount due or imposition of any other term or condition on us\nrequires a written agreement, signed by our authorized representative. All written communications concerning disputed\namounts, including a check or other payment instrument that (a) indicates that the payment constitutes \xe2\x80\x9cpayment in full\xe2\x80\x9d\nor is otherwise tendered as full satisfaction of a disputed amount or (b) is tendered with other conditions or limitations,\nmust be marked or delivered to us at the address for billing inquiries shown on your monthly billing statement, not at\nthe payment address. You waive presentment for payment, protest, notice of non-payment and of protest, and agree to\nany extensions of time of payment and partial payment before, at, or after maturity. You may at any time pay more than\nyour minimum payment or pay off your entire balance in full without any additional charge for prepayment. No matter\nhow large your payment is in one billing cycle, you will need to make a payment in the following cycle if you have an\noutstanding balance. You are not authorized to use your available credit to make a payment on your Account and we\nmay refuse such payments in our sole discretion. We may resubmit and electronically collect returned payments. We\nmay also adjust your Account as necessary to correct errors, to process returned and reversed payments, and to handle\nsimilar issues.\nHow We Apply Payments. Payments will be applied in a manner we determine in accordance with applicable law,\nand the application of payments may change from time to time.\nCredit Balances. You may not maintain a credit balance on your Account. If payments cause a credit balance, your\nAccount may be temporarily suspended and subject to further review. We may reject and return to you any payment\nthat creates a credit balance on your Account. Any credit balance we allow will not be available until we confirm that\nyour payment has cleared. You may contact us as provided on your monthly billing statement and request a refund of\nany available credit balance of $1.00 or more. If you contact us in writing, we will refund your credit balance within 7\nbusiness days from our receipt of your written request. If you do not request a refund, we will apply credit balances to\nfuture amounts you owe us unless a refund is required by law.\nElectronic Check Presentment. By sending us a check as payment, you authorize us to use information on your check\nto make a one-time electronic funds transfer from your account at the financial institution indicated on your check or\nto process the payment as a check transaction. When we use information from your check to make an electronic funds\ntransfer, funds may be withdrawn from your bank account as soon as the same day we receive payment. If your check\nis processed electronically, your canceled check will not be returned to you by your financial institution. We will retain\nan image of your electronically processed check(s) as required by law. If requested prior to the time we are allowed by\nlaw to destroy electronically processed checks, we will provide you with a copy of your electronically processed\ncheck(s) upon your request.\nMonthly Billing Statements, Communications and Information About You\nMonthly Billing Statements. We will send you a monthly billing statement at the end of each monthly billing cycle in\nwhich your Account has a debit or credit balance of more than $1.00, if an Interest Charge has been imposed or if other\nAccount activity has occurred. Your statement will arrive around the same time each month; however, we reserve the\nright to change the date of your billing cycle at any time to the extent permitted by law. The statements we send to you\nwill reflect the activity and our Interest Charges, Fees and other charges on your Account during the immediately preceding\nmonthly billing cycle. They will also show your Total Minimum Payment Due and the due date by which we must\n\n\x0creceive payment. The information contained on the statement will be deemed to be correct unless you notify us in\naccordance with the Section below entitled \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d.\nDescription of E-Statements. You may elect to have your monthly billing statements and other required disclosures\naccompanying your monthly billing statements (\xe2\x80\x9cE-Statements\xe2\x80\x9d) for your Account delivered to you electronically in\nplace of paper disclosures. You may sign up for the E-Statement service or cancel the E-Statement service at any time\nby logging into your Account at www.myccpay.com. Your use of the E-Statement service will be subject to the\nadditional terms and conditions presented to you at the time of your enrollment for E-Statements.\nCommunication with You. We may contact you from time to time regarding your Account. We (and our affiliates,\nagents and contractors) may contact you in any manner we choose to the extent allowed by applicable law. For example,\nwe may contact you:\n(1) by mail, telephone, email, or text message;\n(2) by using an automated dialing or similar device (\xe2\x80\x9cautodialer\xe2\x80\x9d);\n(3) at your home and at your place of employment;\n(4) on your mobile, wireless or cellular telephone or similar device, which may result in charges to you;\n(5) at any time, including weekends and holidays;\n(6) with any frequency;\n(7) by leaving prerecorded and other messages on your answering machine/service and with others; and\n(8) by identifying ourselves, your relationship with us and our purpose for contacting you even if others might hear or\nread it.\nWe may monitor or record any conversation or other communication with you. Unless the law states we cannot, we may\nmodify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose.\nYou also agree that we may contact you using phone numbers, addresses and email addresses we obtain from public and\nnonpublic databases we may lawfully access. Where allowed by law, we also may contact other individuals who may\nbe able to provide updated employment, location, and contact information for you. Some of the legal purposes for calls\nand messages include: suspected fraud or identity theft; obtaining information; transactions on or servicing of your\nAccount; collecting on your Account; and providing you information about certain products, services and promotions.\nAccount Alert Service. Through our Account Alert Service, we will send certain alerts about your Account. You\nexpressly agree that we may send you Account Alerts through email messages, SMS text messages to mobile numbers\nyou provide to us or any other means we may make available to you from time to time. You may adjust Account Alert\nand delivery preferences at any time by logging into your Account at www.myccpay.com. Account Alerts sent via SMS\ntext messages can also be cancelled at any time by texting the reply \xe2\x80\x9cSTOP\xe2\x80\x9d from your mobile phone. You are\nresponsible for any fees or other charges that your wireless carrier may charge for any related data or message services,\nincluding without limitation SMS text services. You agree that Account Alerts may not be encrypted, and may include\nyour name and information pertaining to your Account. Receipt of any Account Alert may be delayed, or prevented\nby factors affecting your Internet service provider, phone operator, and other relevant entities. We offer Account Alerts\nsolely as a convenience to you. We neither guarantee the delivery or the accuracy of the contents of any Account Alert.\nWe will not be liable for losses or damages arising from (a) non-delivery, delayed delivery, or wrong delivery of any\nAccount Alert; (b) inaccurate content in an Account Alert; (c) your use or reliance on the contents of any Account Alert\nfor any purposes. We reserve the right to terminate any request from you for any Account Alert, at any time. The\ninformation in any Account Alert may be subject to certain time lags and/or delays. We may terminate or suspend the\nAccount Alert Service at any time without notice.\nYour Consent for Calls and/or Text Messages to Your Mobile Phone. When you give us or we obtain your mobile\ntelephone number, you expressly agree that we (and our affiliates, agents and contractors) may contact you at this\nnumber using an autodialer and can also leave prerecorded and other messages, including text messages. We may do\nthese things whether we contact you or you contact us. You agree you will be responsible for any fees or charges you\nincur as a result of incoming calls or text messages from us, from our affiliates or from any third party acting on behalf of\nus or our affiliates. You agree that your consent to receive these calls and/or text messages sent to your mobile phone\nmay be revoked only by providing written notice of your revocation to us at the Notice address set forth below, and that\nsuch revocation notice will state your name, mailing address, specific telephone number(s) for which the revocation\napplies, and at least the last four digits of your Account number so that we may identify you and your Account.\nVisa Account Updater. Accounts with Cards bearing the Visa logo are automatically enrolled in the \xe2\x80\x9cVisa Account\nUpdater\xe2\x80\x9d feature required by Visa. This feature enables the electronic exchange of Account information between Visa\nand participating merchants to support payment continuity with credential-on-file merchants. Visa will securely\nprovide updated credit card information when your Card is re-issued for any reason or is closed. To opt-out of the Visa\nAccount Updater feature for your Account, if applicable, please contact us by calling the number on the back of your\nCard.\n\n\x0cNotices. Any notice required to be provided to you under this Agreement shall be given to you at your residence\naddress shown on our records and shall be effective when sent by first-class mail, unless otherwise required by Missouri\nlaw. You agree to advise us promptly of any change in your address. Any notice from you to us shall be sent to PO Box\n89028, Sioux Falls, South Dakota 57109-9028 or to such other address as we may give you and shall be effective when\nreceived by us. We may, at our discretion, accept mailing address corrections from the United States Postal Service.\nPrivacy Notice. The privacy notice for The Bank of Missouri is provided separately in accordance with applicable\nlaw.\nYour Account Information. We need current information about you to manage your Account. The information we\nneed includes: (1) your legal name; (2) a valid U.S. mailing address and residential address (if different); (3) your email\naddress; (4) your social security number or other government identification number; (5) your telephone number(s); and\n(6) your employment and income information. You are responsible for promptly notifying us when this information\nchanges. We may require you to provide additional documents that are acceptable to us to verify this information or any\nchanges. We maintain the right to restrict or close your Account if your information cannot be verified or if you do not\nprovide additional information as requested.\nCredit Information. We are entitled under applicable law, including the Fair Credit Reporting Act, to obtain\ninformation about you from a credit reporting agency and we may also verify your credit references and other\ninformation that you provide to us. We may obtain updated or additional information about you, including consumer\nreports, for any legitimate purpose including, but not limited to, the extension of credit to you or the review or collection\nof your Account. We may provide information about you and your Account to credit reporting agencies and others as\nprovided in our privacy notice. Information we provide might appear on your and your Authorized Users\xe2\x80\x99 credit reports.\nThis could include negative information if you do not comply with the terms of this Agreement.\nYour Contract With Us\nAmendment or Modification. At any time and subject to applicable law, we may change or delete any term of, or add\nnew terms to, this Agreement, including without limitation the Interest Charge, Annual Percentage Rate, Fees, Total\nMinimum Payment Due amount, and the Arbitration Provision. Unless prohibited by applicable law, these changed or\nnew terms will apply to any Account balance outstanding on the effective date of the change and to all future balances.\nWhen required by applicable law, we will notify you in advance of any changes, deletions or additions. Our notice will\ntell you when and how the changes will take effect and describe any rights you have in connection with the changes.\nGoverning Law. This Agreement and your Account, and any claim, dispute or controversy (whether in contract, tort, or\notherwise) at any time arising from or relating to your Account, this Agreement or any transferred balances, are\ngoverned by and construed in accordance with applicable federal law and, to the extent not preempted by federal law, by\nthe laws of Missouri (without regard to internal principles of conflict of laws), but we rely on the provisions of\nNebraska law with respect to the Fees that apply to your Account as authorized by Missouri Revised Statutes Section\n408.145.\nDefault. We may declare your Account to be in default upon the occurrence of any of the following events:\n(a) You fail to make any payment required under the terms of this Agreement when due;\n(b) You fail to comply with any of the terms and conditions set forth in this Agreement;\n(c) You exceed your credit limit;\n(d) You become incapacitated or die;\n(e) You provide us with false or misleading information or signatures in any respect;\n(f) We obtain information that causes us to believe that you may be unwilling or unable to pay your debts to us on\ntime;\n(g) We in good faith deem The Bank of Missouri to be insecure or believe that the prospect of payment is impaired;\n(h) You file for bankruptcy;\n(i) You move out of the U.S. or you provide us with a non-U.S. mailing address.\n(j) You request an excessive number of replacement Cards.\nUpon your default, we can suspend or terminate your ability to use your Card or Account, lower your credit limit,\nincrease your Total Minimum Payment Due, demand the return of your Card(s), declare your entire balance\nimmediately due and payable, initiate collection activity, continue to charge you Interest Charges and Fees as long as\nyour balance remain outstanding, and exercise all other rights or remedies permitted by law, all without prior notice or\ndemand except as required by law. You promise to pay any collection costs and attorneys\xe2\x80\x99 fees that we incur as a result\nof your default. Our failure to declare your Account in default does not excuse you from performing all of your\nobligations under this Agreement, nor shall such failure constitute a waiver of our rights to declare the Account in\ndefault and terminate your ability to use the Account and the Card at a later time or upon the occurrence of the same or\n\n\x0ca different event of default. A negative credit report reflecting on your credit record may be submitted to one or more\ncredit-reporting agencies if you fail to fulfill the terms of your credit obligations.\nSuspending or Closing Your Account.\nWe May Suspend or Close Your Account: We may close or suspend your Card or Account and require the return of\nyour Card for any reason, including default, without notice to you except as may be required by applicable law. We\nmay terminate your Account if you are or become a non-U.S. resident or a resident of New York, Wisconsin, or a U.S.\nterritory. Sometimes we close accounts based not on your actions or inactions, but on our business needs. If we close\nyour Account, we will not be liable to you for any consequences resulting from closing your Account or suspending your\ncredit privileges.\nYou May Close Your Account: You may cancel your Account at any time by notifying us by telephone or in writing.\nIf your Account is closed, you are still responsible for any amounts due on the Account pursuant to the terms of this\nAgreement and the Account will continue to accrue applicable Interest Charges and other Fees and charges until the\nAccount is paid in full.\nRefund Disclosure. We will refund your Program Fee and initial Fees (those Fees that are billed at the time of Account\nopening) if (1) you have not used your Card for a Purchase or Cash Advance; and (2) you have not made a payment on\nyour Account after receiving a monthly billing statement. We will refund any partial payment of the Program Fee if you\ndo not open your Account. If you later elect to close your Account and notify us of your election in writing within\nthirty (30) days or one billing cycle (whichever is less) after an Annual Fee appears on your monthly billing statement,\nthe Annual Fee will be credited to your Account. Except as described in this paragraph, Fees are generally nonrefundable. If you elect to cancel an additional Card and notify us of your election in writing within thirty (30) days or\none billing cycle (whichever is less) after an Additional Card Fee appears on your monthly billing statement, the\nAdditional Card Fee will be credited to your Account.\nSeverability. If any provision of this Agreement, including any portion of the Arbitration Provision set forth below, is\ndetermined to be invalid or unenforceable under any rule, law, or regulation, the validity or enforceability of any other\nprovision of this Agreement shall not be affected, and in lieu of such invalid or unenforceable provision there shall be\nadded automatically, as part of this Agreement, a provision as similar in terms as may be valid and enforceable, if possible.\nNotwithstanding the foregoing, if a class action litigation or a class-wide arbitration is permitted for any reason, either\nparty may require that the entire Dispute, as defined in the Section entitled \xe2\x80\x9cArbitration\xe2\x80\x9d below, be heard by a judge, sitting\nwithout a jury, under applicable court rules and procedures.\nAttorneys Fees and Costs. Except as may be provided otherwise in this Agreement, you agree to pay all costs incurred\nby us, our successors or assigns, in collecting unpaid indebtedness or in enforcing this Agreement, including attorneys\nfees and costs, as well as those costs, expenses and attorneys fees incurred in appellate, bankruptcy and post- judgment\nproceedings, except to the extent such costs, fees or expenses are prohibited by law.\nNo Waiver by Us. Subject to applicable law, we reserve the right not to impose part or all of any Fee or other amount\nimposed pursuant to this Agreement or not to exercise any of our rights under this Agreement, and should we do so, we\nwill not waive our right to impose such Fee or amount or exercise such right in the future.\nAssignment. We may sell, assign or transfer all or any portion of your Account or any balances due under your\nAccount without prior notice to or consent from you. You may not sell, assign or transfer your Card or your Account or\nany of your obligations under this Agreement. This Agreement will be binding on, and benefit, any of your and our\nsuccessors and assigns.\nEntire Agreement. This Agreement, together with your application, constitutes the final expression of the credit\nagreement between you and us relating to your Account and supersedes and may not be contradicted by evidence of\nany prior or contemporaneous oral credit agreement between you and us relating to your Account.\nNo Warranties. Except as otherwise provided in the section below entitled \xe2\x80\x9cYour Billing Rights,\xe2\x80\x9d we are not\nresponsible for any claim you might have regarding the purchases of goods or services made with your Card.\nMerchant Refunds. If you are entitled to a refund for goods or services purchased with your Card, you will accept\nthese refunds as credits to your Account. We do not control when a merchant sends us your refund. We will also have a\nreasonable amount of time after we receive your refund to process it.\n\n\x0cArbitration\nREAD THIS ARBITRATION PROVISION. UNLESS YOU ACT PROMPTLY TO REJECT THE\nARBITRATION PROVISION BY OPTING OUT IN ACCORDANCE WITH PARAGRAPH b, CAPTIONED\n\xe2\x80\x9cOPT-OUT PROCESS,\xe2\x80\x9d THE ARBITRATION PROVISION WILL BE PART OF THIS AGREEMENT AND\nWILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS, INCLUDING YOUR RIGHT TO BRING OR\nPARTICIPATE IN A CLASS ACTION, IN THE EVENT OF A DISPUTE.\na. General: This Arbitration Provision describes when and how a Claim (as defined below) may be arbitrated.\nArbitration is a method of resolving disputes in front of one or more neutral persons, instead of having a trial in\ncourt in front of a judge and/or jury. It can be a quicker and simpler way to resolve disputes. Arbitration proceedings\nare private and less formal than court trials. Each party to the dispute has an opportunity to present some evidence\nto the arbitrator. The arbitrator will issue a final and binding decision resolving the dispute(s), which may be\nenforced as a court judgment. A court rarely overturns an arbitrator\xe2\x80\x99s decision. As solely used in this Arbitration\nProvision, the terms \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean not just The Bank of Missouri but also our parent companies,\nwholly or majority-owned subsidiaries, affiliates, commonly-owned companies, successors, assigns and any of\nthese entities\xe2\x80\x99 employees, officers, directors and agents. For purposes of this Arbitration Provision, these terms also\nmean any other third party providing any goods and services in connection with your Account, servicing and\ncollection of amounts due on your Account, if you name that third party as defendants in a single proceeding.\nb. Opt-Out Process. If you do not want this Arbitration Provision to apply, you may reject it by mailing us a\nwritten opt-out notice which contains your Account number, your name and address and a signed statement\nthat you opt out of the Arbitration Provision of this Agreement. The opt-out notice must be sent to us by mail\nat The Bank of Missouri, PO Box 89028, Sioux Falls, SD 57109-9028. (You should retain a copy of your optout notice and evidence of mailing or delivery.) An opt-out notice is only effective if it is signed by you and if\nwe receive it within thirty (30) days after the date we delivered this Agreement to you. Indicating your desire\nto opt-out of this Arbitration Provision in any manner other than as provided above is insufficient notice.\nHowever, your decision to opt out of this Arbitration Provision will not have any other effect on this\nAgreement and will not affect any other arbitration agreement between you and us, which will remain in full\nforce and effect. If you don\xe2\x80\x99t reject this Arbitration Provision, it will be effective as of the date you were\napproved for an Account.\nc. What Claims Are Covered: \xe2\x80\x9cClaim\xe2\x80\x9d means any claim, dispute or controversy between you and us that in any way\narises from or relates to your Account, including disputes arising from actions or omissions on or prior to the date\nof this Agreement. \xe2\x80\x9cClaim\xe2\x80\x9d has the broadest reasonable meaning, and includes initial claims, counterclaims, crossclaims and third-party claims. It includes disputes based upon contract, negligence, fraud and other intentional torts,\nconstitution, statute, regulation, ordinance, common law and equity (including any claim for injunctive or\ndeclaratory relief). Despite the foregoing, \xe2\x80\x9cClaim\xe2\x80\x9d does not include any individual action brought by you in small\nclaims court or your state\xe2\x80\x99s equivalent court, unless such action is transferred, removed, or appealed to a different\ncourt. In addition, except as set forth in the immediately following sentence, \xe2\x80\x9cClaim does not include disputes about\nthe validity, enforceability, coverage or scope of this Arbitration Provision or any part thereof (including, without\nlimitation, this sentence, the prohibitions against class proceedings, private attorney general proceedings and/or\nmultiple-party proceedings described in paragraph g, captioned \xe2\x80\x9cProhibition Against Certain Proceedings\xe2\x80\x9d (the\n\xe2\x80\x9cClass Action Waiver\xe2\x80\x9d), or the last sentence of paragraph o, captioned \xe2\x80\x9cSeverability,\xe2\x80\x9d); all such disputes are for a\ncourt and not an arbitrator to decide. However, any dispute or argument that concerns the validity or enforceability\nof this Agreement as a whole is for the arbitrator, not a court, to decide.\nd. Starting or Electing to Require Arbitration: Either you or we may start an arbitration of any Claim or require any\nClaim to be arbitrated. Arbitration is started by initiating an arbitration or required by giving written notice to the\nother party requiring arbitration. This notice may be given before or after a lawsuit has been started over the Claim\nand may address any Claims brought in the lawsuit, provided that a party may not pursue a Claim in a lawsuit and\nthen seek to arbitrate that same Claim unless the other party has asserted another Claim in the lawsuit or an\narbitration. The notice may be in the form of a motion or petition to compel arbitration. Arbitration of a Claim must\ncomply with this Arbitration Provision and, to the extent not inconsistent or in conflict with this Arbitration\nProvision, the applicable rules of the arbitration Administrator.\ne. Choosing the Administrator: \xe2\x80\x9cAdministrator\xe2\x80\x9d means the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d), 1633\nBroadway, 10th Floor, New York, NY 10019, www.adr.org; JAMS, 1920 Main St. at Gillette Ave., Suite 300 Irvine,\nCA 92614, www.jamsadr.com, or any other company selected by mutual agreement of the parties. If AAA and\nJAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the\nAdministrator will be selected by a court. The party asserting the Claim (the \xe2\x80\x9cClaimant\xe2\x80\x9d) may select the\nAdministrator. Notwithstanding any language in this Arbitration Provision to the contrary, no arbitration may be\nadministered, without the consent of all parties to the arbitration, by any Administrator that has in place a formal or\ninformal policy that purports to override the Class Action Waiver.\n\n\x0cf. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT TO\nARBITRATE A CLAIM, YOU AND WE WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN\nCOURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR AND OUR ABILITY TO OBTAIN\nINFORMATION FROM THE OTHER PARTY IS MORE LIMITED IN AN ARBITRATION THAN IN A\nLAWSUIT. OTHER RIGHTS THAT YOU OR WE WOULD HAVE IN COURT MAY ALSO NOT BE\nAVAILABLE IN ARBITRATION.\ng. Prohibition Against Certain Proceedings: IF YOU OR WE ELECT TO ARBITRATE A CLAIM: (1)\nNEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS ACTION IN COURT OR IN CLASS- WIDE\nARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER\nYOU NOR WE MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN AN\nARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR\nCONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE\nARBITRATOR SHALL HAVE NO AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION,\nPRIVATE ATTORNEY GENERAL ARBITRATION, OR MULTIPLE-PARTY ARBITRATION.\nh. Public Injunctive Relief. If a Claim is brought seeking public injunctive relief and a court determines that the\nrestrictions in the Class Action Waiver and/or elsewhere in this Arbitration Provision prohibiting the arbitrator from\nawarding relief on behalf of third parties are unenforceable with respect to such Claim (and that determination\nbecomes final after all appeals have been exhausted), the Claim for public injunctive relief will be determined in\ncourt and any individual Claims seeking monetary relief will be arbitrated. In such a case the parties will request\nthat the court stay the Claim for public injunctive relief until the arbitration award pertaining to individual relief has\nbeen entered in court. In no event will a Claim for public injunctive relief be arbitrated.\ni. Location and Costs of Arbitration: Any arbitration hearing that you attend in person must take place at a location\nreasonably convenient to you, as determined by the arbitrator. Each Administrator charges fees to administer an\narbitration proceeding and the arbitrator also charges fees. This includes fees not charged by a court. If either you\nor we require a Claim to be arbitrated, you may tell us in writing that you cannot afford to pay the fees charged by\nthe Administrator and/or the arbitrator or that you believe those fees are too high. If your request is reasonable and\nin good faith, we will pay or reimburse you for all or part of the fees charged to you by the Administrator and/or\narbitrator. Also, we will pay these fees if applicable law requires us to, if you prevail in the arbitration or if we must\nbear such fees in order for this Arbitration Provision to be enforced. We will not ask you to pay or reimburse us for\nany fees we pay the Administrator or arbitrator. We will bear the expense of our attorneys, experts and witnesses.\nYou will bear the expense of your attorneys, experts and witnesses if we prevail in an arbitration. However, if you\nare the Claimant, we will pay your reasonable attorney, expert and witness fees and costs if you prevail or if we\nmust bear such fees and costs in order for this Arbitration Provision to be enforced. Also, we will bear any fees and\ncosts if applicable law requires us to do so.\nj. Governing Law: This Arbitration Provision is governed by the Federal Arbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa7 1-16 (the\n\xe2\x80\x9cFAA\xe2\x80\x9d), and not by any state arbitration law. The arbitrator must apply applicable substantive law consistent with\nthe FAA and applicable statutes of limitations and claims of privilege recognized at law. The arbitrator is authorized\nto award all remedies permitted by the substantive law that would apply if the action were pending in court\n(including, without limitation, punitive damages, which shall be governed by the Constitutional standards employed\nby the courts). At the timely request of either party, the arbitrator must provide a brief written explanation of the\nbasis for the award.\nk. Right to Discovery: In addition to the parties\xe2\x80\x99 rights to obtain discovery pursuant to the arbitration rules of the\nAdministrator, either party may submit a written request to the arbitrator to expand the scope of discovery normally\nallowable under the arbitration rules of the Administrator. The arbitrator shall have discretion to grant or deny that\nrequest.\nl. Arbitration Result and Right of Appeal: At the timely request of either party, the arbitrator shall provide a written\nexplanation for the award. Either party may appeal the arbitrator\xe2\x80\x99s decision within 30 days to a single arbitrator or\na three-arbitrator panel selected in accordance with the Administrator\xe2\x80\x99s rules, which shall resolve the Claim without\nregard to the original decision. We will pay the entire cost of an appeal unless we are willing to have the appeal\ndecided by a single arbitrator and you insist upon a three-arbitrator panel. In such event, you will be responsible for\npaying your portion of the difference in arbitration fees between a single arbitrator and a three- arbitrator panel, as\ndetermined by the panel. However, we will pay all costs to the extent required by law and/or required to enforce\nthis Arbitration Provision. The original award or any subsequent award on the appeal described above shall be final\nand binding, subject to any further right to appeal provided by the FAA. The arbitrator\xe2\x80\x99s award may be entered by\nany court having jurisdiction.\nm. No Preclusive Effect. No arbitration award involving the parties will have any preclusive effect as to issues or\nclaims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior\ndisputes involving other parties have preclusive effect in an arbitration between the parties to this Arbitration\nProvision.\nn. Rules of Interpretation: This Arbitration Provision is binding upon and benefits you, your respective heirs,\nsuccessors and assigns. This Arbitration Provision also is binding upon and benefits us. This Arbitration Provision\nshall survive the repayment of all amounts owed under this Agreement, any legal proceeding and any bankruptcy,\n\n\x0cto the extent consistent with applicable bankruptcy law. This Arbitration Provision survives any termination,\namendment, expiration or performance of any transaction between you and us and continues in full force and effect\nunless you and we otherwise agree in writing. In the event of a conflict or inconsistency between this Arbitration\nProvision, on the one hand, and the applicable arbitration rules or the other terms of this Agreement, on the other\nhand, this Arbitration Provision shall govern.\no. Severability: If any portion of this Arbitration Provision is deemed invalid or unenforceable, such a finding shall\nnot invalidate any remaining portion of this Arbitration Provision, this Agreement, or any other agreement entered\ninto by you with us. However, notwithstanding any language in this Arbitration Provision or this Agreement to the\ncontrary, the Class Action Waiver is not severable from the remainder of this Arbitration Provision and, in the event\nthat the Class Action Waiver is held to be invalid and unenforceable, and subject to any right of appeal that may\nexist with respect to such determination, any class action or representative proceeding shall be determined in a court\nof law and will not be subject to this Arbitration Provision.\np. Notice and Cure; Special Payment: Prior to initiating a lawsuit or an arbitration proceeding under this Arbitration\nProvision, the Claimant shall give the other party or parties written notice of the Claim (a \xe2\x80\x9cClaim Notice\xe2\x80\x9d) and a\nreasonable opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you shall be sent in writing\nby mail to the address you have provided in your Card application (or any updated address you subsequently\nprovide). Any Claim Notice to us shall be sent by mail to PO Box 89028, Sioux Falls, SD 57109-9028 (or any\nupdated address we subsequently provide), attn: ARBITRATION. Any Claim Notice you send must identify\nyourself by including your name, address and Account number. Any Claim Notice must explain the nature of the\nClaim and the relief demanded. You may only submit a Claim Notice on your own behalf and not on behalf of any\nother party. The Claimant must reasonably cooperate in providing any information about the Claim that the other\nparty reasonably requests and must give the other party a reasonable opportunity to respond to the demand for relief.\nIf: (i) you submit a Claim Notice in accordance with this paragraph on your own behalf (and not on behalf of any\nother party); (ii) we refuse to provide you with the relief you request; and (iii) an arbitrator subsequently determines\nthat you were entitled to such relief (or greater relief), the arbitrator shall award you at least $7,500 (not including\nany arbitration fees and attorneys\xe2\x80\x99 fees and costs to which you may be entitled).\nYOUR BILLING RIGHTS\nKEEP 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 Monthly Billing Statement\nIf you think there is an error on your monthly billing statement, write to us at the address listed below. In your letter,\ngive us the following information:\n\xef\x82\xb7 Account information: Your name and Account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why\nyou believe it is a mistake.\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error first appeared on your monthly billing statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate\nany 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 also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill\nis correct.\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\n\x0c\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nThe charge in question may remain on your billing statement, and we may continue to charge you interest on that\namount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\nInterest Charges and Fees. We will send you a statement of the amount you owe and the date payment is due. We\nmay then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that\nyou still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not\nhave to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on\nthe purchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50.00. (NOTE: Neither of these are necessary if your purchase was\nbased on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your Card for the Purchase. Purchases made with Cash Advances from an ATM or with a\ncheck 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:\nThe Bank of Missouri\nPO Box 89028\nSioux Falls, SD 57109-9028\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe 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.\nState Disclosures\nCalifornia Residents: A married applicant may apply for a separate Account. As required by law, you are hereby\nnotified that a negative credit reporting reflecting on your credit record may be submitted to a Consumer Reporting\nAgency if you fail to fulfill the terms of your credit obligations. After credit approval, each applicant shall have the\nright to use the Account up to the limit of the Account.\nDelaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding\nbalances from month to month.\nNew York and Vermont Residents: We may obtain a consumer report for any legitimate purpose in connection with\nyour Account or your application, including but not limited to reviewing, modifying, renewing and collecting on your\nAccount. Upon your request, we will inform you of the names and addresses of any Consumer Reporting Agencies\nthat have furnished the reports. New York residents may contact the New York State Banking Department (1-877226-5697) to obtain a comparative list of credit card rates, fees and grace periods.\nOhio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all\ncreditworthy customers, and that Consumer Reporting Agencies maintain separate credit histories on each individual\nupon request. The Ohio Civil Rights Commission administers compliance with this law.\nMarried Wisconsin Residents: No provision of any marital property agreement, unilateral statement, or court order\napplying to marital property will adversely affect a creditor\xe2\x80\x99s interests unless prior to the time credit is granted, the\ncreditor is furnished with a copy of the agreement, statement, or court order, or has actual knowledge of that provision.\n\xc2\xa9 2021. All rights reserved.\n\n\x0c'