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If You Are In Default: Upon your default of this Agreement, we have all remedies provided by law including, 
without limitation, and without prior notice or demand (except as required by Applicable Law), the right to:

7.5”

•  Deny use of your Account.
•  Close or refuse to renew your Account.
•  Demand the return of your Card(s).
•  Declare your entire Account balance immediately due and payable.
•  Increase your Minimum Payment.
•  Initiate collection activity.
•  Not replace your Card(s).
•  Reduce your Credit Limit.
•  Pursue any action against you permitted by law.

Collection Costs.  To  the  extent  permitted  by  law,  you  must  pay  all  court  and  collection  costs,  including 
reasonable attorneys’ fees that we incur as a result of your default. A contingency or hourly arrangement 
established by us with an attorney or collection agency to collect an Account in default is presumed prima 
facie reasonable.

CLOSING YOUR ACCOUNT

We May Close or Suspend Your Account. We may terminate your privileges under this Agreement or cancel or 
limit your privileges to make purchases or obtain cash advances at any time, with or without cause, subject to 
applicable notice requirements.

You May Close Your Account. You may terminate your Account at any time by notifying us by telephone 
or in writing.

Whether your Account was terminated by us or by you, you promise that any amounts that you owe us at the time 
of termination, plus any new purchases or cash advances, as well as any INTEREST CHARGES, Fees and Other 
Charges that will continue to be imposed at the rates specified in this Agreement, will be repaid according to 
this Agreement. You agree that you will not try to make any purchases or obtain cash advances after you have 
been notified that your privileges to use your Account have been canceled. You may terminate this Account at 
any time. In order to terminate your Account, you must either call us or give us written notice of your intent to 
terminate your Account at the address for “Send Correspondence To” shown on your Monthly Billing Statement, 
and pay your outstanding Account balance in full. Your notice of termination will become effective as soon as we 
can reasonably act on it. If you request that we terminate your Account, but do not pay your outstanding Account 
balance in full, your credit privileges will be terminated.

Account Non-Use, Inactivity and/or Closure. In connection with the initial opening of your Account (but not in 
connection with renewing the Account or replacing Cards that have been used for transactions to the Account), if 
you have not made a payment, and either: (1) you do not activate your Card, or (2) you activate your Card but do 
not use your Account for a purchase or cash advance, we may unilaterally close your Account and terminate your 
right to use the Card or obtain credit, subject to any limitations under Applicable Law. If we close the Account in 
accordance with this paragraph, all Fees posted to your Account will be reversed.

Initial Fees Refund Disclosure. You may still reject this plan, provided that you have not yet used the Account 
or paid INTEREST CHARGES, Fees or Other Charges after receiving a Monthly Billing Statement. If you do reject 
the plan, you are not responsible for any INTEREST CHARGES, Fees or Other Charges.

Binding Effect Upon Death or Incompetency. If we pay a merchant or financial institution for a purchase or 
post a cash advance to your Account before we receive actual written notice of your death or incompetence, or if 
we pay a merchant or financial institution for a purchase made by you or post a cash advance taken by you prior 
to your death or incompetence, that transaction will be a valid and binding Account obligation upon you, your 
estate and your personal representatives.

Our Liability To You. Neither The Bank of Missouri nor Continental Finance will have any liability to you other 
than as provided in the Agreement and these terms and conditions. Unless imposed by law, neither The Bank of 
Missouri nor Continental Finance will be liable for any indirect, punitive, incidental, special or consequential loss 
or damages with respect to this Agreement.

Notices. We will send Monthly Billing Statements and any other notices to you at the address shown in our files. 
If you choose to receive Monthly Billing Statements electronically, we will send them and any other notices to 
you at the email address shown in our files. You promise to inform us promptly in writing of any change in your 
address or email address. Any written notice from you to us must be sent to us at Continental Finance, P.O. Box 
3220, Buffalo, NY 14240-3220 or to such other address as we may give you, and shall be effective when received 
by us at such address. In determining your last known address, we can accept address corrections received from 
the U.S. Postal Service.

Law after your Account has been open for at least 6 months. In order to receive a Credit Limit Increase, you must 
qualify for and elect to receive such increase. Each Credit Limit Increase may vary in size but will be subject to a 
maximum Credit Limit of $3,000.00. Each Credit Limit Increase will appear on your Account no later than one (1) 
month after you have qualified for such increase. We may change the criteria applied to determine your eligibility 
for a Credit Limit Increase at any time in our sole discretion in accordance with Applicable Law. In addition, 
we may elect, in our sole discretion, to modify or discontinue the practice of granting Credit Limit Increases.

Foreign Currency Conversion Rate. If you effect a transaction at a merchant that settles in a currency other 
than U.S. dollars, the transaction amount will be converted into U.S. dollars at a government-mandated exchange 
rate, or a wholesale exchange rate. The government-mandated exchange rate or wholesale exchange rate is the 
rate selected for the applicable currency on the day the transaction is processed, which may differ from that 
applicable to the date the transaction occurred or when it is posted to your Account.

Call Monitoring/Recording. You authorize us and any third party servicing your Account to listen to and record 
telephone calls with you to evaluate the quality of service or for any other lawful purpose, if permitted under 
Applicable Law.

Sale/Assignment/Transfer. We may sell, assign, or transfer all or any portion of your Account or any Account 
balances due under your Account without prior notice to you. You may not sell, assign, or transfer your Card or 
your Account or any of your obligations under this Agreement.

Use of Information about You and Your Account. Because  you  applied  for  a  Card,  we  are  entitled  under 
Applicable Law, including the Fair Credit Reporting Act, to obtain information about you from a credit reporting 
agency. We may also verify your credit references and other information that you provide to us. We may obtain 
updated or additional information about you, including consumer reports, from time to time for any legitimate 
purpose including, but not limited to, the extension of credit to you or the review or collection of your Account. We 
will report late payments, missed payments, or other defaults on your Account to credit bureaus.

You  understand  to  prevent  the  funding  of  terrorism  and  money  laundering,  the  United  States  Government 
requires  financial  institutions  obtain,  verify  and  retain  certain  cardholder  information,  such  as  your  name, 
address, date of birth and other identifying information including your driver’s license or other government-
issued ID, to allow us to confirm your identity. We will retain this information. With respect to information about 
you and your Account that is covered by our privacy policy, we will use such information in accordance with the 
terms of the Privacy Policy.

How to Contact Us. For general inquiries and correspondence we can be reached in writing at: Continental 
Finance, P.O. Box 3220, Buffalo, NY 14240-3220. Or, you can call our Customer Service Department at 1-866-
449-4514. Automated Account information is available 24 hours a day, 7 days a week with representatives 
available Monday — Friday between the hours of 7:00 a.m. to 10:00 p.m. and Saturday between the hours 
of 9:00 a.m. to 4:00 p.m., Eastern Time. Payments should be mailed to the address listed on your Monthly 
Billing Statement.

YOUR BILLING RIGHTS

KEEP THIS NOTICE FOR FUTURE USE

What Will Happen After We Receive Your Letter When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if 
we have already corrected the error.

2. Within 90 days, of receiving your letter, we must either correct the error or explain to you why we believe the 
Monthly Billing Statement is correct.

While we investigate whether or not there has been an error:

•  We cannot try to collect the amount in question, or report you as delinquent on that amount.
•  The charge in question may remain on your Monthly Billing Statement, and we may continue to charge you
•  INTEREST CHARGES on that amount.
•  While  you  do  not  have  to  pay  the  amount  in  question,  you  are  responsible  for  the  remainder  of  your 

Account balance.

•  We can apply any unpaid amount against your Credit Limit.

After we finish our investigation, one of two things will happen:

•  If we made a mistake: You will not have to pay the amount in question or any INTEREST CHARGES, Fees or
•  Other Charges related to that amount.
•  If  we  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the  amount  in  question,  along  with 
applicable INTEREST CHARGES, Fees and Other Charges. We will send you a Monthly Billing Statement of 
the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay 
the amount we think you owe.

If you receive our explanation but still believe your Monthly Billing Statement is wrong, you must write to us 
within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without 
also reporting that you are questioning your Monthly Billing Statement. We must tell you the name of anyone 
to whom we reported you as delinquent, and we must let those organizations know when the matter has been 
settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if 
your Monthly Billing Statement is correct.

Your Rights if You Are Dissatisfied With Your Credit Card Purchases.

If you are dissatisfied with the goods or services that you have purchased with your Card and you have tried in 
good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount 
due on the purchase.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

To use this right, all of the following must be true:

In your letter, give us the following information:

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 

•  Account information: Your name and Account number.
•  Dollar amount: The dollar amount of the suspected error.
•  Description of problem: If you think there is an error on your Monthly Billing Statement, describe what you 

believe is wrong and why you believe it is a mistake.

You must contact us:

•  Within 60 days after the error appeared on your Monthly Billing Statement.
•  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the 

amount you think is wrong.

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, 
and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase 
was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)

2. You must have used your Card for the purchase. Purchases made with cash advances from an ATM or with a 
check that accesses your Account do not qualify.

3. You must not yet have fully paid for the purchase.

Continental Finance
P.O. Box 3220
Buffalo, NY 14240-3220

While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as  discussed  above.  After  we  finish  our 
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we 
may report you as delinquent.

STATE DISCLOSURES

California  Residents.  A  married  applicant  may  apply  for  a  separate  Account.  As  required  by  law,  you  are 
hereby notified that a negative credit reporting reflecting on your credit record may be submitted to a Consumer 
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Reporting Agency if you fail to fulfill the terms of your credit obligations. After credit approval, each applicant 
shall have the right to use the Account up to the limit of the Account. Each applicant may be liable for amounts 
extended under the plan to any joint applicant.

Delaware  Residents.  Service  charges  not  in  excess  of  those  permitted  by  law  will  be  charged  on  the 
outstanding Account balances from month to month.

Kentucky Residents. You may pay the unpaid balance of your Account in whole or in part at any time.

New York and Vermont Residents. We may obtain a consumer report for any legitimate purpose in connection 
with your Account or your application, including but not limited to reviewing, modifying, renewing and collecting 
on your Account. Upon your request, we will inform you of the names and addresses of any Consumer Reporting 
Agencies  that  have  furnished  the  reports.  New  York  residents  may  contact  the  New  York  State  Banking 
Department (1-800-342-3736) to obtain a comparative list of credit card rates, fees and grace periods.

Ohio Residents. The Ohio laws against discrimination require that all creditors make credit equally available to 
all credit worthy customers, and that Consumer Reporting Agencies maintain separate credit histories on each 
individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Married Wisconsin Residents. No provision of any marital property agreement, unilateral statement, or court 
order applying to marital property will adversely affect a creditor’s interests unless prior to the time credit 
is granted, the creditor is furnished with a copy of the agreement, statement, or court order, or has actual 
knowledge of that provision. Married Wisconsin residents are required to contact us at P.O. Box 3220, Buffalo, 
NY 14240-3220 to provide the name and address of your spouse.

ARBITRATION PROVISION

PLEASE READ CAREFULLY: This Arbitration Provision (the “Provision”) waives any right to file claims in 
court, other than a small claims court, or to participate in a class action or other consolidated proceeding.

CARDHOLDERS COVERED BY THE MILITARY LENDING ACT. Notwithstanding any other provision of this 
Agreement, if you are a “covered borrower” under the Military Lending Act, as defined in at 32 CFR § 
232.3(g), the Arbitration Provision does not apply to you.

Unless you opt out of this Provision in the manner set forth below in subpart (p), any claim that arises out of or in 
any way relates to the Agreement, your Account, or this Provision (the “Claim(s)”) shall be resolved exclusively 
by binding bilateral arbitration in accord with the following:

a)  This  Provision  is  contained  in  a  contract  evidencing  interstate  commerce  and  is  governed  by  the  Federal 
Arbitration Act, 9 U.S.C. Sections 1-16.

b)  Arbitration  in  accordance  with  this  Provision  shall  be  conducted  by  the  American  Arbitration  Association 
(“AAA”) by a single arbitrator (the “Arbitrator”) using the applicable rules and procedures established by the 
AAA  for  expedited  consumer  arbitration.  To  the  extent  any  of  the  AAA’s  rules  and  procedures  contradict  the 
express terms of the Provision, the Provision shall control and the contradictory portions of the AAA’s rules and 
procedures shall not apply.

c) The Arbitrator shall enforce the Applicable Law in the Agreement and shall honor applicable statutes of 
limitations  and  claims  of  privilege.  The  Arbitrator  may  award  any  relief  available  under  Applicable  Law, 
provided  that  the  Arbitrator  is  not  authorized  to  award  punitive  or  other  damages  not  measured  by  the 
prevailing party’s actual damages.

d) You or we may choose to have a hearing, appear at any hearing by phone or other electronic means, and/or 
be represented by counsel. Any in-person arbitration hearing or proceeding shall be held in the same city as the 
U.S. District Court closest to your billing address unless you and we agree otherwise.

e) The Arbitrator has no authority to conduct class, joint, private attorney general or consolidated arbitration 
proceedings on any Claim, and may award relief only on an individual basis.  If you assert a Claim against us, 
we can choose to arbitrate.  Claims brought as part of a class action, or any other representative action can be 
arbitrated only on an individual basis.  If arbitration is chosen by any party, neither you nor we may pursue a 
Claim as part of a class action or other representative action.  Claims of two (2) or more persons may not be 
combined in the same arbitration. 

f) Except as may be required by law, neither a party nor its representatives may disclose the existence, content, 
or results of any arbitration hereunder without the prior written consent of all parties.  No arbitration award 
involving the parties will have any preclusive effect as to issues or claims in any dispute involving anyone who 
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is not a party to the arbitration, nor will an arbitration award in prior disputes involving other parties have 
preclusive effect in an arbitration between the parties to this Provision.

g) AAA rules and procedures applicable to fees shall determine the allocation of the initial filing fees for the 
arbitration. This subpart (g) shall not affect attorney’s fees or costs, including witness or expert witness’ fees or 
costs. You shall be responsible for your own attorney’s fees and costs.

h) If permitted by Applicable Law, the Arbitrator may award reasonable attorney’s fees and costs as well as 
reimbursement of other expenses to the party who substantially prevails in arbitration, and/or to the extent that 
the Arbitrator determines a party’s claim or counterclaim was filed for purposes of harassment or is frivolous.

i) In the event the AAA or its rules and procedures are unavailable for any reason, you or we may ask a court to 
appoint a substitute Arbitrator to arbitrate under comparable rules and procedures. The unavailability of the AAA 
or its rules and procedures shall not render the Provision unenforceable.

j)  The  Provision  covers  any  Claim  arising  out  of  or  in  any  way  relating  to  the  Provision  itself.  All  issues  of 
arbitrability must be arbitrated, including but not limited to whether the Provision is enforceable or applicable.

k) The Provision remains in full force and effect unless you opt out of the Provision in accordance with subpart 
(p) or you and we otherwise agree in writing to set the Provision aside. The Provision survives, for example but 
without limitation, the cancellation or termination of the Agreement or your Account, the satisfaction of any 
obligations under the Agreement or your Account, the transfer, sale, or assignment of the Agreement or your 
Account or any rights under either, and the bankruptcy of any party.

l)  Each  of  the  following  persons  or  entities  is  an  intended  beneficiary  of  the  Provision  and  may  enforce  the 
Provision in full with respect to any claims between such persons or entities on the one hand and you on the 
other hand that arise out of or in any way relate to the Agreement or the Provision: Continental Finance and 
any of its or our past, present, and future employees, agents, principals, representatives, directors, officers, 
shareholders,  governors,  managers,  members,  parent  companies,  subsidiaries,  affiliated  entities,  partners, 
licensees, attorneys, predecessors, successors, joint venturers, contractors, assigns, designees, servicers, and 
“service providers” (defined as any third party providing us or any of the foregoing entities or persons any goods 
or services that arise out of or in any way relate to the Agreement or the Provision).

m) The Provision may be enforced by or against any person or entity purporting to bring Claims on your behalf, 
including but not limited to any agent, representative, guardian, or trustee. The Provision may also be enforced 
by or against any person or entity who acquires any right or interest that, but for the transfer of the right or 
interest, would have belonged to us or an intended beneficiary of the Provision.

n) You and we shall retain the right to bring in the small claims court for the county of your residence any claims 
that are within the small claims court’s jurisdiction. In the event of the foregoing, and pursuant to the applicable 
AAA Rules, you or we may instruct the Arbitrator to close the arbitration proceedings for the Claim to proceed 
in the small claims court for the county of your residence. Any appeal or other review of a small claims court 
judgment or order shall be undertaken exclusively by arbitration in accordance with the Provision.

o) If any part of the Provision is found unenforceable, subject to any rights to judicial and/or appellate review the 
offending part shall be severed and the balance of the Provision shall remain in effect and shall be construed in 
light of the express intent of you and us to resolve all claims on a bilateral basis in binding arbitration, except 
that: (1) if all or any portion of subpart (e) is declared invalid in a proceeding between you and us, without in 
any way impairing the right to appeal such decision, this entire Provision (other than this sentence) shall be null 
and void in such proceeding; and (2) if a Claim is brought seeking public injunctive relief and a court determines 
that the restrictions in subpart (e) or elsewhere in this Provision prohibiting the arbitrator from awarding relief 
on behalf of third parties are unenforceable with respect to such Claim (and that determination becomes final 
after all appeals have been exhausted), the Claim for public injunctive relief will be determined in court and 
any individual Claims seeking monetary relief will  be arbitrated.  In such a case the parties will request that 
the court stay the Claim for public injunctive relief until the arbitration award pertaining to individual relief has 
been entered in court. 

p) You may opt out of this Provision by sending written notice to us of your decision to opt out. Notice must 
be sent by United States Postal Certified Mail, Return Receipt Requested, to the following address: The Bank 
of  Missouri,  c/o  Continental  Finance  Company,  P.O.  Box  3220,  Buffalo,  NY  14240-3220.  The  notice  must  be 
postmarked no later than 30 days after the date of your Agreement. You must retain proof of receipt. Your opt out 
notice must state that you reject the arbitration Provision and include your name, address, Account number and 
personal signature.  No one else may sign the opt out notice.  Your opt out notice will not apply to the arbitration 
provision(s) governing any other account(s) that you have or had with us.  Your decision to opt out will not affect 
our decision to continue to extend credit to you under the Agreement.

Mastercard® and the Mastercard acceptance mark and service marks used by The Bank of Missouri under license 
from Mastercard International.

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ACCOUNT OPENING DISCLOSURES

ACCOUNT OPENING DISCLOSURES

Interest Rates and Interest Charges

Annual Percentage Rate (APR) 
for Purchases

29.99%
This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

29.99%

Paying Interest

This APR will vary with the market based on the Prime Rate.

Your Payment Due Date is at least 25 days after the close of each 
Billing Cycle. We will not charge you any interest on purchases if you 
pay your entire Account balance by the Payment Due Date each 
month. We will begin charging interest on cash advances on the 
transaction date.

Minimum Interest Charge

None

For Credit Card Tips from the 
Consumer Financial Protection
Bureau

To learn more about factors to consider when applying for or using a
credit card, visit the website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore.

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Fees

Set up and Maintenance Fees

NOTICE: Some of these set-up and maintenance fees will be assessed 
before you begin using your Card and will reduce the amount of credit 
you initially have available. Based on your Credit Limit of $400, your 
initial available credit will be $301 (or $271 if you choose to have an 
additional Card).

You may still reject this plan, provided that you have not yet used the 
Card or paid a fee after receiving a Monthly Billing Statement. If you do 
reject the plan, you are not responsible for any Fees or Other Charges.

● Processing Fee

$89.00 (one-time fee)

● Annual Fee

$99.00 

● Monthly Maintenance Fee

$75.00 annually (billed at $6.25 per month). Monthly Maintenance
Fee not billed for the first 12 months your account is opened.

● Additional Card Fee

$30.00 (one time, if applicable)

Transaction Fees

● Cash Advance

Transaction fees are not billed for the first 12 months your account is 
open.

Either $5.00 or 5% of the amount of each cash advance, whichever is 
greater.

● Foreign Transaction

3% of each transaction in U.S. dollars.

Penalty Fees

● Late Payment

Up to $40.00

● Returned Payment

Up to $40.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See INTEREST 
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See
CHARGES below for more details.
INTEREST CHARGES below for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your  
Cardholder Agreement.
Cardholder Agreement.
09/30/2021

M-131301

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OTHER TERMS AND CONDITIONS

If you think there is an error on your Monthly Billing Statement, write to us at: 

What To Do If You Find A Mistake On Your Monthly Billing Statement.

Continental Finance
P.O. Box 3220
Buffalo, NY 14240-3220

Credit Limit Increases. Your Account will be reviewed for a Credit Limit Increase in accordance with Applicable 
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You  must  notify  us  of  any  potential  errors  in  writing.  You  may  call  us,  but  if  you  do  we  are  not  required  to 
investigate any potential errors and you may have to pay the amount in question.

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ADDITIONAL INFORMATION REGARDING PROCESSING FEE

We require a one-time up front Processing Fee of $89.00 to be paid in full before your Account is opened.  Once 
we have received and processed your payment of the Processing Fee and been assured the payment has not been 
returned, your Account will be opened and you may activate and begin using your Card.  Refer to the Section 
entitled “Refund Disclosure” for additional information.  

CHARGES AND FEES

INTEREST CHARGES:

Periodic Rates.

INTEREST CHARGES for purchases and cash advances are calculated at a monthly periodic rate of 2.4992%, which 
is equivalent to an ANNUAL PERCENTAGE RATE (“APR”) of 29.99%.

Variable Rate.
The APR may increase or decrease on the first day of the subsequent monthly Billing Cycle based on changes in 
the prime rate (“Index”). The APR is calculated by adding the amount of margin stated below to the Index. The 
Index is the prime rate published in the Money Rates section of The Wall Street Journal on the 25th day of each 
month. If the Index is not published on that day, the Index on the next business day will be used. Any increase 
in the APR may increase the amount of interest charged to your Account and the total amount you must pay, and 
may take the form of an increase in the monthly Minimum Payment. If the Index is no longer available, we will 
choose a new index that is based upon comparable information. The APR for purchases and cash advances will 
be determined by adding a margin of 26.74% to the Index.

INTEREST CHARGES are imposed on purchases beginning on the date a purchase is posted to your Account. 
However, INTEREST CHARGES will not be imposed on purchases made in any Billing Cycle in which the previous 
balance shown on your Monthly Billing Statement is zero and you pay your new balance in full by the Payment Due 
Date shown on your Monthly Billing Statement. INTEREST CHARGES are imposed on cash advances beginning 
on the date a cash advance is obtained and continuing until the balance of your Account is paid in full. There is 
no time in which you can pay the balance of cash advances in order to completely avoid INTEREST CHARGES.

INTEREST CHARGES for a Billing Cycle are calculated separately for purchases and cash advances. There is no 
minimum INTEREST CHARGE. The INTEREST CHARGE calculation begins on the date the transaction is posted 
to your Account.

For purchases, the INTEREST CHARGE is computed by multiplying the monthly periodic rate by the average daily 
balance of purchases. To determine the average daily balance of purchases, we take the beginning outstanding 
balance of purchases each day, add any new purchases, and subtract any payments and/or credits. This gives 
us the daily balance of purchases. (Any daily balance that is a credit balance is treated as zero ($0.00) balance.) 
Then, we add all the daily balances of purchases for the Billing Cycle together and divide the total by the number 
of days in the Billing Cycle. This gives us the average daily balance of purchases.

For cash advances, the INTEREST CHARGE is computed by multiplying the monthly periodic rate by the average 
daily  balance  of  cash  advances.  To  get  the  average  daily  balance  of  cash  advances,  we  take  the  beginning 
outstanding balance of cash advances each day, add in any new cash advances, and subtract any payments and/
or credits that we apply to the cash advance balance. This gives us the daily balance of cash advances. (Any daily 
balance that is a credit balance is treated as zero ($0.00) balance.) Then, we add all the daily balances of cash 
advances for the Billing Cycle together and divide the total by the number of days in the Billing Cycle. This gives 
us the average daily balance of cash advances.

FEES AND OTHER CHARGES:

Your Account is subject to the following Fees and Other Charges, each of which may be charged to your Account:

Cash Advance Fee. In addition to the INTEREST CHARGE on cash advances, there is a fee of 5% or $5.00, 
whichever is greater, for each cash advance posted to your Account that month (“Cash Advance Fee”). NO CASH 
ADVANCES ARE PERMITTED DURING THE FIRST 95 DAYS AN ACCOUNT IS OPEN. Cash Advance Fees will not 
be assessed during the first twelve (12) months after your Account is open.

Additional Card Fee. Your Account will be assessed a one-time additional card fee of $30.00 for each authorized 
user you add to your Account.

Foreign Currency Transaction Fee. Your Account will be assessed a foreign currency transaction fee equal to 
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3% of any transaction made in a foreign currency that is converted to U.S. Dollars. This fee will not be assessed 
to foreign transactions made in the first 12 months your Account is open.

Annual Fee. Your Account will be assessed an Annual Fee of $99.00 (“Annual Fee”). The Annual Fee will be billed 
to your Account once the account is opened, and on or about your anniversary date each year. Your payment of 
the Annual Fee does not affect our right to close your Account or our ability to limit transactions on your Account.

Annual  Fee  Renewal  Refund  Disclosure. We  will  refund  the  Annual  Fee  charged  to  your  Account  if  you 
notify us, within 30 days from the date of the Monthly Billing Statement on which it appears, that you wish 
to close your Account.

Monthly Maintenance Fee. Your Account will be assessed a monthly maintenance fee, which will be billed at $6.25 
per month to your Account (“Monthly Maintenance Fee”) at the end of each Billing Cycle. The Monthly Maintenance 
Fee will not be billed in the first 12 months your Account is open. Your payment of the Monthly Maintenance Fee does 
not affect our right to close your Account or our ability to limit transactions on your Account.

Late Payment Fee. If we do not receive a payment from you in at least the amount of the minimum payment due 
(“Minimum Payment”) by the Payment Due Date shown on your Monthly Billing Statement, you will be charged a 
Late Payment Fee equal to the lesser of $29.00 or your Minimum Payment (“Late Payment Fee”) in accordance 
with law. If you fail to make a timely payment in any of the six (6) Billing Cycles after the initial late payment, you 
will be charged $40.00 or the amount of the required Minimum Payment, whichever is less. We may refer to this 
fee as the “Late Fee” or “Late Charge”.

Returned Payment Fee. If you make a payment on your Account and your check or other payment instrument 
(including an electronic funds transfer or a telephone authorized draft) is not honored for any reason or cannot 
be processed, we will charge a Returned Payment Fee equal to the lesser of $29.00 or your Minimum Payment 
(“Returned Payment Fee”). In the event a payment is returned in any of the six (6) Billing Cycles after the initial 
returned payment, you will be charged $40.00 or the amount of the required Minimum Payment, whichever is 
less. The charge may be imposed even if we elect to re-present the item and it is paid upon our re- presentment. 
We will not charge both a Late Payment Fee and a Returned Payment Fee based upon a single payment.

OTHER IMPORTANT DISCLOSURES:

Please read this Agreement carefully and save it for future reference. It contains important state and federal 
disclosures, including Regulation Z disclosures and disclosures regarding your rights in case of errors or inquiries 
about your bill and important provisions relating to arbitration and litigation.

Applicable Law.
This Agreement and your Account, and any claim, dispute or controversy (whether in contract, tort, or otherwise) 
at any time arising from or related to your Account, this Agreement or any transferred balances, are governed by 
and construed in accordance with applicable federal law and, to the extent not preempted by federal law, by the 
laws of Missouri (without applying its choice-of-law rules), including Mo. Rev. Stat. § 408.145 (“Applicable Law”). 
For Maryland cardholders, in the event Missouri law does not apply, we elect Sections 12-103(a)(1) and 12-501 
et seq. of the Commercial Law. The formation, legality, enforceability, and interpretation of this Agreement, and 
any amounts contracted for, charged and received under this Agreement, will be governed by such laws. This 
Agreement is entered into between you and us in Missouri, regardless of the state of your residence or whether 
or not your Account or Card is used in Missouri. Our decisions regarding the extension of credit to you are made in 
the State of Missouri. Federal and Missouri law will also apply to any controversy, claim, or dispute arising from 
or relating in any way to the subject matter of this Agreement and your Account, including, without limitation, 
statutory, equitable, and tort claims.

Federal  law  provides  important  protections  to  members  of  the  Armed  Forces  and  their  dependents  relating 
to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces 
and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as 
applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for 
ancillary products sold in connection with the credit transaction; any application fee charged (other than certain 
application fees for specified credit transactions or accounts); and any participation fee charged (other than 
certain participation fees for a credit card account). To be provided with an oral disclosure of this information, 
please call toll-free 1-800-935-3808.

Effective Date: This Agreement is effective upon the earlier of your acceptance and use of the Card to make 
a purchase or to receive a cash advance, or your payment of INTEREST CHARGES, Fees or Other Charges. You 
may reject this Card, provided that you have not yet used the Card or paid INTEREST CHARGES, Fees, or Other 
Charges  after  receiving  a  Monthly  Billing  Statement.  If  you  reject  the  Card,  you  are  not  responsible  for  any 
INTEREST CHARGES, Fees or Other Charges. Notwithstanding anything to the contrary in this Agreement, if you 
are a resident of the State of New York, this Agreement is effective upon your acceptance and use of the Card.

Authorization. You certify that all the information given in your application is true and correct and you are 
giving this information in order to obtain credit and authorize us to obtain information concerning any statements 
herein.  You  agree  to  furnish  us  with  all  requested  information.  You  authorize  us  to  charge  the  Annual  Fee, 
Monthly Maintenance Fee and Additional Card Fee (if applicable) to your Account.

Changes in Agreement Terms. We  can  change  any  term  of  this  Agreement,  including  the  rate  at  which  or 
manner in which INTEREST CHARGES, Fees, and Other Charges are calculated, in our sole discretion, upon such 
notice to you as is required by law. At our option, any change will apply both to your new activity and to your 
outstanding balance when the change is effective as permitted by law.

Refund Disclosure. We will refund your Processing Fee and initial Fees (those Fees that are billed at the time of 
Account opening) if (1) you have not used your Card for a Purchase or Cash Advance; and (2) you have not made 
a payment on your Account after receiving a Monthly Billing Statement. We will refund any partial payment of 
the Processing Fee if you do not open your Account. If you later elect to close your Account and notify us of your 
election in writing within thirty (30) days or one billing cycle (whichever is less) after an Annual Fee appears on 
your Monthly Billing Statement, the Annual Fee will be credited to your Account.  

THE BANK OF MISSOURI CARDHOLDER AGREEMENT

YOUR AGREEMENT WITH US

General Terms. This Agreement covers the terms and conditions of the Card Account (“Account”). The Bank of 
Missouri is the Card issuer and assigns its rights for servicing and other rights to Continental Finance Company 
(“Continental Finance”) after Card issuance.

You agree to be bound by the following terms and conditions, which shall constitute an agreement between 
you and us. Furthermore, by accepting and using the Card, or paying any INTEREST CHARGES, Fees, or Other 
Charges, whichever comes first, you expressly agree to be bound by the provisions of this Agreement and the 
rates and charges for use of the Card, including as set forth under the “Charges and Fees” provisions, which are 
hereby expressly incorporated by reference into this Agreement. In this Agreement, “we”, “us”, and “our” refer 
to The Bank of Missouri as the issuer of the Card and Continental Finance as servicer, and each of their respective 
agents, authorized representatives, successors and assignees.  “Agreement” means this Cardholder Agreement. 
The words “you” and “your” mean the person who applied for the Account and each person to whom we issue a 
Card at the applicant’s request or who uses a Card with the applicant’s consent (“Additional Card or Authorized 
User”). The word “Card” means your credit card.

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Binding Effect. This Agreement is binding upon and enforceable against your heirs, legal representatives, 
and successors.

Severability.  If  any  provision  of  this  Agreement,  including  any  portion  of  the  Arbitration  Provisions  set 
forth below, is determined to be invalid or unenforceable under any rule, law, or regulation, the validity or 
enforceability  of  any  other  provision  of  this  Agreement  shall  not  be  affected,  and  in  lieu  of  such  invalid  or 
unenforceable provision there shall be added automatically, as part of this Agreement, a provision as similar 
in terms as may be valid and enforceable, if possible. Notwithstanding the foregoing, if a class action litigation 
or a class-wide arbitration is permitted for any reason, either party may require that the entire Dispute, as 
defined in the Arbitration Provision below, be heard by a judge, sitting without a jury, under applicable court 
rules and procedures.

Entire Agreement. This Agreement, together with your Application, and if applicable, the Continental Credit 
Protection Addendum, constitutes the final and complete credit agreement between you and us relating to your 
Account and supersedes and may not be contradicted by evidence of any prior, contemporaneous, or subsequent 
oral credit agreement between you and us relating to your Account.

USING YOUR CARD

Sign Your Card. To avoid unauthorized use of your Card, please sign the back of your Card immediately.

General Use. You may use your Card and your Account to make purchases if your Account is in good standing 
and you have available credit. Your Card and Account may be used only for valid and lawful purposes. If you or 
an Authorized User uses your Card and Account for any other purpose, you will be responsible for the use and 
may be required to reimburse us for all amounts or expenses we pay as a result of the use. No cash advances 
are permitted within the first ninety five (95) days after an Account is open. After ninety five (95) days have 
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elapsed from Account opening, you may obtain cash advances (See Cash Advance Fee section). You may not use 
the Card or your Account for any illegal transaction or any gambling transaction. We will decline identifiable 
gambling transactions. We may impose restrictions on your Account at any time as determined to be necessary 
by us in connection with our efforts to detect fraud or unauthorized use, including restrictions on (a) the number 
of transactions allowed per day; (b) the dollar amount of transactions approved; (c) your ability to obtain cash 
advances; and (d) your ability to use your Card at an automated teller machine (“ATM”).

If you give your Account number to make a purchase or obtain a cash advance without presenting your Card (such 
as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if the Card was present.

You may also use your Card and a personal identification number (“PIN”) to obtain cash advances at an ATM, if 
we, at our option, issue you a PIN. ATM transactions are treated the same as cash advances. We may restrict 
your access to any ATM at any time. You should not keep your PIN with your Card. If you believe that anyone has 
gained unauthorized access to your PIN, you should advise us immediately by following the procedures under 
the heading “Lost or Stolen Card.”

Your Responsibility for Authorized Users. If another person is given access to your Account and/or Card with 
your express or implied permission, notwithstanding the provision above, that person is an Authorized User, even 
if we did not issue an additional Card in the Authorized User’s name. At your request, and if we agree, we may 
issue an additional Card in the name of an Authorized User with your Account number. You will be responsible for 
all charges, cash advances, INTEREST CHARGES, purchases and Fees incurred by any Authorized User. We are not 
required to try to obtain payment from any Authorized User before requiring payment from you.

If  you  wish  to  remove  an  Authorized  User  from  your  Account  you  must  contact  us  either  by  telephone  or  in 
writing.  You  will  still  be  responsible  for  payment  of  all  purchases,  cash  advances,  INTEREST CHARGES  and 
Fees incurred or obtained by the Authorized User. We may close your existing Account and issue you a new Card 
and Account number.

Lost or Stolen Card. If you notice the loss or theft of your Card or a possible unauthorized use of your Card, you 
should write to us immediately at: Continental Finance, P.O. Box 3220, Buffalo, NY 14240-3220, or call us 
at 1-800-556-5678. You will not be liable for any unauthorized use. 

Refusals  to  Honor  Card/Rejection  of  Transactions.  We  are  not  responsible  if  any  financial  institution, 
merchant,  or  other  person  refuses  to  honor  your  Card.  Except  as  otherwise  required  by  law  or  regulations, 
we will not be responsible for merchandise or services purchased through your Card. Also, we may reject any 
transaction for any reason.

USING YOUR ACCOUNT

Accessing  Your  Credit  Line.  You  can  use  the  Card  and  your  Account  to  make  purchases  and  obtain  cash 
advances. Upon your request, you may be assigned a PIN. If a PIN is assigned to you, you may obtain a cash 
advance,  any  time  after  ninety  five  (95)  days  after  Account  opening,  at  any  authorized  ATM  that  bears  the 
Mastercard® acceptance mark by using the Card and PIN. You should keep your PIN secure and not write it 
down, give it to anyone or keep it with your Card. Contact us immediately if someone has gained unauthorized 
access to your Card(s).

Understanding Your Credit Limit. Your “Credit Limit” is the maximum amount of credit we have approved for 
your Account. The amount of your Credit Limit is disclosed in the “Account Opening Disclosures” section of this 
Agreement and on your Monthly Billing Statements. You are responsible for keeping track of your Account balance 
and your Credit Limit. Your Account balance may not exceed your Credit Limit at any time. Decisions on Credit 
Limit Increases will be in accordance with federal law. We reserve the right to approve or deny authorizations or 
transactions from any merchant at our sole discretion.

Network  Outages.  From  time  to  time,  due  to  circumstances  beyond  our  control  (such  as  fires,  floods, 
earthquakes and other natural disasters and unpredictable events), our services may be unavailable. We will not 
be responsible or liable if this happens.

UNDERSTANDING YOUR PAYMENTS

Finance at the address shown on the Monthly Billing Statement (“Mail Payments To” address”) and must be 
received by Continental Finance no later than 5:00 p.m., prevailing Eastern Time on the date on which they 
are due. Payments made at a branch or office of The Bank of Missouri or Continental Finance prior to the close 
of business at the branch or office shall be considered received on the day the payment is made at such location.

Payment Due Date. The Payment Due Date will be at least twenty-five (25) days after the Billing Cycle closing 
date (“Payment Due Date”). Payments will be credited to your Account as of the day of receipt if they are made in 
accordance with our instructions. Your Payment Due Date will be the same day each month. If the Payment Due 
Date falls on a weekend, holiday or other day on which we do not receive payments, the Minimum Payment Due 
plus any other payment must be received no later than 5:00 p.m. prevailing Eastern Time on the next business 
day we receive payments.

Amount of Payment. You may pay any or all of the amounts you owe at any time without penalty, but you must 
pay at least the Minimum Payment Due each month on or before the Payment Due Date.

Minimum Payment Due:

•  If the New Balance shown on your Monthly Billing Statement is less than or equal to $35.00, the Minimum 

Payment Due equals the New Balance.

•  If your New Balance exceeds $35.00, the Minimum Payment Due equals the greater of 4.00% of the New 
Balance  or  $35.00,  plus  any  Late  Payment  Fee  assessed  in  the  current  Billing  Cycle  plus  any  past  due 
amounts, not to exceed your Account balance.

Applying of Payments. Payments in excess of the Minimum Payment Due are applied in accordance with law.

Availability of Credit and Payment Holds. Generally, payments are credited to your Account on the day they 
are received. Available credit created as a result of payments posted to your Account may not be available for up 
to seven (7) days, or longer if circumstances warrant an additional hold, or if we deem ourselves at risk for any 
reason. If you use a payment service provided by a third party to deliver your payment to us, that third party may 
charge you a fee for such service; such third party fees will not be billed to your Account. Credit to your Account 
may be delayed up to five (5) days if payment is (a) not received at the Payment Address or (b) not accompanied 
by the payment coupon portion of your Monthly Billing Statement. Delayed crediting may result in Late Fee and 
additional INTEREST CHARGES and Fees being applied to your Card.

Direct Debit. You may choose, subject to our approval, to make a payment by means of a direct debit or charge to 
any deposit, savings, or credit account of yours (“Payment Account”). By requesting that we process a payment 
by direct debit or charge to your Payment Account, you hereby authorize us, at our option, to debit your Payment 
Account by means of an electronic transaction or to submit a paper check or draft to your financial institution, 
consistent with your instructions.

Electronic Check Presentment. If you pay by check, you are authorizing us to use information on your check 
to make a one-time electronic debit from your account at the financial institution indicated on your check. This 
electronic debit will be for the amount of your check; no additional amount will be added to the electronic debit. 
We will process your payment using the Automated Clearing House (“ACH”) system. Electronically processed and/
or presented checks (and checks presented electronically) are not returned to you by your financial institution, 
bank or credit union. We will retain an image of your electronically processed check as required by law. A copy 
of the check can also be retrieved by contacting your financial institution. Please contact the Customer Service 
Department at the telephone number on your Monthly Billing Statement to learn about other payment options.

Irregular Payments and Delay in Enforcement, Waivers and Releases. We may accept late payments, partial 
payments, checks, and money orders marked “paid in full” or language having the same effect, without losing 
any of our rights or legal defenses. All written communications concerning disputed amounts, including a check 
or other payment instrument that (a) indicates that the payment constitutes “payment in full” or is otherwise 
tendered as full satisfaction of a disputed amount, or (b) is tendered with other conditions or limitations, must be 
marked or delivered to us at the address for “Send Correspondence To” shown on your Monthly Billing Statement, 
not the payment address. You waive presentment for payment, notice of non-payment, and you agree to any 
extensions of time of payment and partial payment before, at, or after maturity.

Your Promise to Pay, Cut-Off Time, Form of Payments. You promise to pay to us all amounts advanced to 
you as a purchase or a cash advance (including amounts advanced for Authorized Users) under this Agreement, 
plus all INTEREST CHARGES and Fees assessed on those amounts and all other charges, costs, and Fees which 
are applied to your Account. All payments must be made in U.S. dollars, and all checks or other items tendered 
in  payment  must  be  drawn  on  United  States  financial  institutions.  Payments  must  be  made  to  Continental 
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MONTHLY BILLING STATEMENTS, OTHER INFORMATION AND COMMUNICATION FROM US

When We Send Monthly Billing Statements. We will promptly send a Monthly Billing Statement at the end 
of each monthly Billing Cycle if your Account has a debit or credit balance greater than $1.00 or if an INTEREST 
CHARGE or Fee has been imposed.

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Where  We  Send  Your  Monthly  Billing  Statement. We  will  send  Monthly  Billing  Statements  and  any  other 
notices to you at the address shown in our files. You agree to notify us promptly of any change in your address. 
We may accept address changes or corrections from the United States Postal Service. We may also mail Monthly 
Billing Statements and other communications to you at any address we determine to be an address at which you 
can receive mail. If you elect to receive Monthly Billing Statements and other communications electronically, we 
may send those Monthly Billing Statements and communications as directed by you.

Understanding  Your  Monthly  Billing  Statement.  The  Monthly  Billing  Statement  will  show  the  Previous 
Balance, purchases and cash advances posted during the Billing Cycle, any INTEREST CHARGES, Fees and Other 
Charges, and all payments, debits, and credits to your Account through the Billing Cycle Closing Date. It will also 
show, among other things, your New Balance, the Minimum Payment Due, and the Payment Due Date (which 
will be at least twenty- five (25) days after the Billing Cycle Closing Date and will be the same day every month).

You agree to review your Monthly Billing Statement promptly and to report any erroneous entries on such Monthly 
Billing Statement. You are obligated to report erroneous entries within 60 days after we mail or otherwise make 
the Monthly Billing Statement available to you. If you do not report the erroneous entries within the timeframe, 
the entries on your Monthly Billing Statement and the corresponding Account balance will be presumed to be 
correct. This means we will have no liability to you for transactions appearing on your Monthly Billing Statement. 
If you dispute a transaction made by you or someone else on your Account and we later credit your Account for all 
or part of the disputed amount, you will give us all of your rights against that other person. You also agree to give 
us any merchandise associated with the disputed transaction and to help us in our efforts to seek reimbursement 
(including, but not limited to, providing documents).

Your  Consent  to  Automated-Dialer  and  Pre-recorded  Calls  and  Text  Messages.  By  providing  us  with  a 
telephone number(s), at any time, you consent and authorize us to contact you regarding your Account at such 
number(s) using any lawful means of communication, including, but not limited to calls placed to your cell, mobile 
or other phone using an automated dialing service, pre-recorded messages or text messages. Providing us with 
a  telephone  number(s)  constitutes  a  new  authorization  for  such  communications,  which  authorization  takes 
priority over any prior preference or election you made to opt-out of receiving calls made using automated dialing 
services, pre-recorded messages or text messages. Standard text messaging and/or calling charges imposed by 
your provider may apply. If you provide telephone number(s) for which you are not the subscriber, you understand 
that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as a result 
of us attempting to contact you at the number(s). You do have the option to opt out of receiving communications 
at that number any time thereafter by contacting us at [the customer service telephone number provided on 
your statement], or sending written notice to us to the following address: [The Bank of Missouri, c/o Continental 
Finance Company, P.O. Box 3220, Buffalo, NY  14240-3220].  You must retain proof of delivery.  If you send 
communications to any other address, we may not process your request. 

E-mail. By providing us with your e-mail address, you agree to receive correspondence electronically from us and 
our affiliates and service providers. We may communicate with you by e-mail for any lawful or business purpose.

Call Monitoring.  We may monitor and record any calls between you and us.

Notices. We may send any notices to the address you gave us, or, if you have agreed, by email to the address you 
gave us.  If you have multiple addresses, we will send notices to only one such address.  We consider a notice sent 
as soon as we mail it.  We consider an electronic notice sent as soon as we email it, unless we receive notification 
that the email was undeliverable.

DEFAULT PROVISIONS

Events of Default. You will be in default of this Agreement if any of the following occur on this or any other 
Account you have with us:

•  You do not pay at least the Minimum Payment Due on your Account on or before the Payment Due Date.
•  You die or become legally incompetent.
•  A bankruptcy or other insolvency proceeding is filed by or against you.
•  You exceed or attempt to exceed your Credit Limit.
•  You provide us with or have provided us with false or misleading information or signatures at any time.
•  You fail to comply with this Agreement.
•  You fail to make any payment or perform any promise in any agreement or obligation you have with us.
•  Any judgment, lien, attachment or execution is issued against you or your property.
•  You request an excessive number of replacement Cards.
•  We reasonably believe you will not pay amounts owed to us for any reason.
•  You permanently reside outside of the United States.
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