JOB SPECS:
Flat Size:
8.25” x 22.5” 

Finished Size: 
8.25” x 3.75” 

Colors: 

Front: Black
Back: Black 

Bleed: No 

Note: None 

Indigo® Platinum Mastercard® Cardholder Agreement

F03-X894-4

Dear Accountholder:
This Agreement, as defined below, is your contract for your Account and:

•  Covers the terms that govern the use of your Indigo Platinum 

Mastercard Account;

•  Outlines both your responsibilities and ours;
•  Includes certain disclosures required by the Federal Truth in 

Lending Act;

•  Includes certain disclosures required by the Federal Military 

Lending Act;

•  Includes an Arbitration of Disputes Provision that will substantially 

affect your rights unless you reject it, and;

•  Contains important information about your Account.

We  encourage  you  to  read  the  Agreement  and  keep  it  for  your  records. 
Please  feel  free  to  call  us  with  any  questions  you  may  have.  We  look 
forward to serving you.

CARDHOLDER AGREEMENT 

This Agreement contains the terms that govern the use of your Indigo Platinum Mastercard 
Account and outlines both your responsibilities and ours. Please read it in its entirety and 
keep it for your reference. In addition, any written application, acceptance certificate or 
other request you signed or otherwise submitted for this Account (the “Application”), your 
Card  and  the  Card  Carrier  that  we  send  with  your  Card,  and  your  signature  (including 
any  electronic  or  digital  signature)  on  any  Application,  sales  slip  or  other  evidence  of 
indebtedness  on  your  Account,  are  hereby  incorporated  into  and  made  a  part  of  this 
Agreement.  This  Agreement  begins  on  the  earlier  of  (i)  the  date  you  sign  or  otherwise 
submit an Application that is approved by us, or (ii) the first date that we extend credit 
to you on your Account, as evidenced by a signed sales slip or memorandum, a Cash 
Advance transaction, or otherwise. 

DEFINITIONS 

To simplify this Agreement for you, the definitions listed below will apply throughout, both 
in this Agreement and in your monthly Statements. In addition, the words you, your, and 
yours refer to the Cardholder(s) who holds the Card and is responsible for the Account, 
each of whom is individually and jointly obligated under this Agreement. The words we, 
us, and our refer to Celtic Bank. 
Account: The credit card account for which you were issued a Card imprinted with your 
Account number and that is subject to all of the terms and conditions of this Agreement. 
ATM: Automated Teller Machine. 
Billing  Cycle:  The  time  interval  covered  by  a  monthly  Statement.  Each  Billing  Cycle  is 
approximately  30  days  in  length;  however,  the  specific  period  of  time  is  described  on 
each monthly Statement. Your Account will have a Billing Cycle even if a Statement is not 
required. 
Card: Any Indigo Platinum Mastercard issued by us that you may use to obtain a Cash 
Advance,  make  Purchases,  or  lease  goods  or  services  on  credit.  Use  of  your  Account 
number to obtain credit will be considered a use of the Card. 
Card Carrier: The carrier that contains your Card.
Cardholder: The person to whom a Card is issued, or who has agreed to pay obligations 
arising from a Card issued to another person.
Cash Advance: Credit extended to you in the form of a cash loan through any financial 
institution  honoring  the  Card  either  presented  directly  or  through  any  other  credit 
instrument, check, device, overdraft coverage plan or ATM that we make available to you 
or that you use. All cash equivalent transactions will be treated as Cash Advances and 
will be billed to the Cash Advance segment of your Account. Transactions that we view 
as “cash equivalent transactions” include without limitation using your Card to purchase 
wire transfer money orders, bets, lottery tickets, casino gaming chips, and other similar 
products and services.
Closing Date: The date of the last day of a Billing Cycle.
Covered Borrower: Certain members of the Armed Forces and their dependents who are 
protected by the Military Lending Act.
Credit Limit: The maximum amount of credit available to you on your Account. Your Credit 
Limit will be disclosed on your Card Carrier and your monthly Statements.
Purchase: Any extension of credit to your Account for the purpose of purchasing or leasing 
goods or services from participating establishments.
Statement:  A  monthly  document  we  provide  to  you  showing  Account  information 
including,  among  other  things,  Purchase  and  Cash  Advance  transactions,  credits  and 
debits, payments, fees, and interest charges made to your Account during a Billing Cycle. 

Purchases and Cash Advances. 
You  may  use  your  Card  to  purchase  or  lease  goods  or  services  from  participating 
establishments. You may also use your Card to obtain Cash Advances from your Account 
at an ATM, or by presenting it to any institution that accepts the Card for that purpose. 
There are dollar limitations on individual Cash Advance transactions, and we may set a 
Cash Advance Limit for your Account. Please contact us for information about the Cash 
Advance limitations that apply to your Account. In addition, we may limit your Account to 
only one Cash Advance transaction per day.
You promise to pay us and are liable for all amounts resulting from the authorized use of 
your Card or Account, plus any applicable interest charges and other applicable charges or 
fees, payable in U.S. dollars. This includes amounts where you did not sign a purchase slip 
or other documents for the transaction. If you use your Account number without presenting 
your actual Card, such as for mail, telephone, or internet purchases, this will be treated 
the same way as if you presented your Card. Your promise to pay us will apply to your 
estate if you die.
We may limit and restrict the use of the Account/Card at our discretion. Such limitations 
and restrictions include, but are not limited to, gambling transactions, which include, but 
are not limited to, internet-related lottery tickets, casino gambling chips, off-track betting 
and wagers at racetracks. You remain responsible for use of your Account/Card in any 
such transactions.
The Card may only be used for valid and lawful purposes. If you use, or you authorize 
someone else to use, the Card or Account for an unlawful or impermissible purpose, you 
will be responsible for such use and may be required to reimburse us or Mastercard for 
any amounts or expenses we or they incur as a result of such use.
The Card is and remains our property, and you will surrender it to us at any time upon 
request. 

Your Credit Limit. 
You may not use your Account in any way that would cause you to go over your Credit 
Limit. We may refuse to authorize or accept any transaction on your Account that would 
cause you to exceed your Credit Limit, even if you have authorized us to charge you an 
Overlimit Fee for doing so. We may temporarily agree to allow you to exceed your Credit 
Limit; however, in that case you must repay the excess amount according to the terms of 
this Agreement. Any transactions honored in excess of your Credit Limit will not result in an 
increase of your Credit Limit. We may at any time and without prior notice to you increase 
or decrease your Credit Limit, limit the Credit Limit for Cash Advances or take away your 
ability to obtain Cash Advances. 

MAKING PAYMENTS 

Monthly Statements. 
We will send a Statement at the end of each monthly Billing Cycle if there is a debit or 
credit balance on your account of $1 or more, a balance on which an interest charge has 
been imposed, or as otherwise required by applicable law. You agree to pay us, or any 
party to whom we may transfer and assign your Account or the amounts owing under 
your  Account,  in  U.S.  dollars  according  to  all  terms  and  conditions  of  this  Agreement. 
Payments made by a check, money order or other negotiable instrument must be in a form 
acceptable to us and drawn on a U.S. financial institution. 

Monthly Minimum Payment. 
The Monthly Minimum Payment is 7% of your New Balance or $40, whichever is greater. If 
you elect not to pay your New Balance in full, you must pay at least the Monthly Minimum 
Payment by the Payment Due Date shown on your Statement, which is at least 25 days 
after the Closing Date of the Billing Cycle. Your Monthly Minimum Payment also will include 
any past due amount or any amount by which the New Balance exceeds your Credit Limit, 
whichever is greater. If your New Balance is less than or equal to your Monthly Minimum 
Payment, then your Monthly Minimum Payment will be equal to your New Balance.
Payments  should  be  mailed  with  the  payment  coupon  and  in  the  envelope  provided 
and following the other instructions on the Statement to Genesis FS Card Services, P.O. 
Box 23039, Columbus, GA 31902-3039. Any payment received in that form and at that 
address on or before 5:00 P.M., Eastern Time, on a normal banking day will be credited to 
your Account that day. If your payment is received in that form and at that address after 
5:00 P.M., Eastern Time, on a normal banking day, or any time on a non-banking day, we 
will credit it to your Account the next banking day. However, if your Payment Due Date 
occurs on a non-banking day, any payment received the next day which conforms to the 
above requirements will not be treated as late. Please allow at least seven (7) business 
days for postal delivery. Payments received by us at any other location or in any other form 
may not be credited as of the day we receive them.
If we accept a payment at a place other than the address in the immediately preceding 
paragraph, we may delay the crediting of the payment for up to five (5) days. This may 
cause you to incur Late Payment Fees and additional interest charges, and may result in 
your Account being declared in default.
We  do  not  accept  cash  payments  through  the  mail.  You  may  not  make  payments  with 
funds from your Account or any other credit account issued by us.
When you provide a check as payment, you authorize us either to use information from 
your check to make a one-time electronic fund transfer from your account or to process 
the payment as a check transaction. When we use information from your check to make 
an electronic fund transfer, funds may be withdrawn from your account as soon as the 
same day we receive your payment and you will not receive your check back from your 
financial institution.
At any time, you may pay part or all of the full amount you owe without incurring any 
additional charge for prepayment. The amount of any payment that exceeds your total New 
Balance will be applied as a credit to your Account, and any remaining credit balance will 
be refunded as required by law.
Credit availability may be delayed at our sole discretion to ensure payment in good funds. 
Your available credit on your Credit Limit may not reflect your payments for up to 14 days. 

Application of Payments. 
For each Billing Cycle, payments up to the amount of your Monthly Minimum Payment 
will  be  allocated  in  any  way  we  determine,  including  to  balances  with  lower  Annual 
Percentage Rates before balances with higher Annual Percentage Rates. We will generally 
apply payments up to the amount of your Monthly Minimum Payment in a manner most 
favorable or convenient for us. 
For  each  Billing  Cycle,  to  the  extent  your  payments  exceed  your  Monthly  Minimum 
Payment, we will apply these excess amounts in the order required by applicable law. 

HOW INTEREST CHARGES ARE DETERMINED 

Your interest charge for any Billing Cycle will include the following components, the total of 
which constitutes your total interest charge for the Billing Cycle:

1.  A Cash Advance Transaction Fee interest charge imposed on each Cash Advance 
transaction posted during a Billing Cycle, in an amount equal to the greater of $5 or 
5% of the amount of each Cash Advance. Any unpaid Cash Advance Transaction Fee 
interest charges will be added to the calculation of your Average Daily Balance of 
Cash Advances. We will not charge any Cash Advance Transaction Fees, however, 
during the one-year period beginning on the date you open your Account. 

2.  Periodic interest charge computed by applying the applicable Monthly Periodic Rate 
or Rates, determined as provided below under Computing the Purchase and Cash 
Advance Balance Monthly Periodic Rates and Corresponding Annual Percentage 
Rates (APR) to:

a.  your Average Daily Balance of Cash Advances (including new Cash Advances); 

and

b.  your Average Daily Balance of Purchases (including new Purchases).

However, if the total of the amounts so computed is an amount less than $.50, then 
a minimum interest charge of $.50 will be imposed instead of such smaller amounts 
and will be treated as an interest charge on Purchases.

3.  A Foreign Currency Conversion Fee interest charge in an amount equal to 1% of the 
converted  U.S.  dollar  amount  of  each  transaction,  including  Cash  Advances  and 
Purchases, that is effected in any currency other than U.S. dollars. 

When Interest Charges Begin to Accrue. 
Interest  charges  on  Purchases  will  be  imposed  at  the  applicable  Monthly  Periodic  Rate 
from the date each Purchase is made, and will continue to accrue on unpaid balances as 
long as they remain unpaid. However, we do not assess interest charges in the following 
circumstances: 

1.  If you paid the New Balance at the beginning of your previous Billing Cycle by the 
Payment Due Date during the previous Billing Cycle, or if that New Balance was $0 
or a credit balance, then:

a.  if you pay the New Balance on your current Statement in full by the Payment 
Due Date in your current Billing Cycle, we will not assess interest charges on 
Purchases during your current Billing Cycle; and

b.  if you make a payment that is less than the New Balance by the Payment Due 
Date in your current Billing Cycle, we will credit that payment as of the first day 
in your current Billing Cycle.

2.  If you had a New Balance at the beginning of your previous Billing Cycle and you 
did not pay that New Balance by the Payment Due Date during that previous Billing 
Cycle, then we will not assess interest charges on any Purchases during the current 
Billing Cycle if you pay the New Balance at the beginning of your current Billing Cycle 
by the Payment Due Date in your current Billing Cycle.

Periodic  interest  charges  on  Cash  Advances  will  be  imposed  at  the  applicable  Monthly 
Periodic Rate from the date each Cash Advance is made and will continue to accrue on 
unpaid balances as long as they remain unpaid. There is no grace period on Cash Advances 
and there is no period within which to pay to avoid interest charges on Cash Advances. 

Calculating the Purchase and Cash Advance Balance Subject to Interest Charges 
Average Daily Balance of Purchases (including new Purchases):  To  get  the  Average 
Daily Balance of Purchases, we take the beginning Purchase balance of your Account each 
day, including unpaid interest charges on Purchases and Foreign Currency Conversion Fee 
interest charges on Purchases, add any new Purchases as of the date of transaction, and 
subtract the applicable portion of any payments and credits as of the transaction date. On 
the first day of a Billing Cycle, we also add any unpaid Late Payment Fees, and Overlimit 
Fees. We add all other unpaid fees (including Annual Fees, Returned Payment Fees, and 
Foreign Currency Conversion Fees ) to the Purchase balance on the day the fee is posted 
to your Account. This gives us the daily balance for Purchases. Then we add all these daily 
balances 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.
Average Daily Balance of Cash Advances (including new Cash Advances): To get the 
Average Daily Balance of Cash Advances, we take the beginning Cash Advance balance 
of  your  Account  each  day,  including  unpaid  interest  charges on  Cash  Advances and 
Foreign Currency Conversion Fee interest charges on Cash Advances, add any new Cash 
Advances as of the date of transaction, add the Cash Advance Transaction Fee interest 
charge  on  any  Cash  Advances  as  of  the  transaction  date  of  each  Cash  Advance,  and 
subtract the applicable portion of any payments and credits as of the transaction date. This 
gives us the daily balance for Cash Advances. Then we add all these daily balances 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. 

Computing  the  Purchase  and  Cash  Advance  Balance  Monthly  Periodic  Rates  and 
Corresponding Annual Percentage Rates (APR) 
Monthly  Periodic  Rates:  The  Monthly  Periodic  Rate  is  calculated  by  dividing  the  APR 
by 12. The standard Purchase APR is 24.9% and the standard Monthly Periodic Rate for 
Purchases is 2.0750%. The standard Purchase APR and Monthly Periodic Rate will apply 
to Purchases unless the penalty APR and Monthly Periodic Rate apply, as described in the 
next paragraph.
The APR and Monthly Periodic Rate for Purchases will increase if we do not receive any 
Monthly Minimum Payment within 60 days of the date and time due. In such circumstance, 
the penalty APR and Monthly Periodic Rate will apply to your Purchases, including new 
Purchases and existing Purchase balances. The penalty Purchase APR is 29.9% and the 
penalty Monthly Periodic Rate for Purchases is 2.4916%. If we receive six consecutive 
Monthly  Minimum  Payments  when  due,  then,  starting  with  the  next  Billing  Cycle,  the 
penalty  APR  will  no  longer  apply  and  the  standard  APR  will  apply  to  all  Purchases. 
Otherwise, the penalty rate may continue to apply to your Account indefinitely. 
The Cash Advance APR is 29.9% and the Monthly Periodic Rate for Cash Advances is 
2.4916%. 

OTHER FEES 

In addition to interest charges, a variety of fees may be applied to your Account, as set 
forth below. 

Annual Fee. 
We  will  charge  an  initial  Annual  Fee  of  $75  to  your  Account  on  or  about  the  date  your 
Account is opened and then a renewal Annual Fee of $99 on or about each anniversary 
of  that  date.  The  initial  Annual  Fee  is  nonrefundable;  the  renewal  Annual  Fee  is  also 
nonrefundable unless you notify us to cancel your Account within 30 days from the mailing 
date of the billing Statement or other communication containing the renewal Annual Fee 
notice.  

Late Payment Fee. 
If we do not receive your Monthly Minimum Payment by the Closing Date of the Billing 
Cycle in which the Payment Due Date occurs and the amount past due on your Account is 
more than $9.99, we will charge a Late Payment Fee to your Account. The Late Payment 
Fee is $28 if you were not charged a Late Payment Fee during any of the prior six Billing 
Cycles. Otherwise, the Late Payment Fee is $39. The Late Payment Fee will never exceed 
the amount of your most recently required Monthly Minimum Payment. 

Minimum Interest Charge Fee. 
If  the  periodic  interest  charge  amounts  computed  in  the  How Interest  Charges  Are 
Determined section are an amount less than $.50, then a Minimum Interest Charge Fee of 
$.50 will be charged instead of such smaller amounts and will be treated as a fee on your 
billing statement and added to your Purchases at our discretion. 

Returned Payment Fee. 
If any payment on your Account is returned to us unpaid for any reason, we will charge a 
Returned Payment Fee to your Account. The Returned Payment Fee is $28 if you were not 
charged a Returned Payment Fee during any of the prior six Billing Cycles. Otherwise, the 
Returned Payment Fee is $39. The Returned Payment Fee will never exceed the amount of 
your most recently required Monthly Minimum Payment. 

Overlimit Fee. 
If  you  elected  to  have  overlimit  coverage,  we  may  charge  an  Overlimit  Fee  when  a 
transaction causes you to go over or remain over your Credit Limit during any Billing Cycle. 
We may also charge you two additional Overlimit Fees if your New Balance remains over 
your Credit Limit as of the Payment Due Date in future Billing Cycles. We will only charge 
you one Overlimit Fee per Billing Cycle, even if you go over your Credit Limit multiple times 
in the same Billing Cycle. The Overlimit Fee is $28 if you were not charged an Overlimit 
Fee  during  any  of  the  prior  six  Billing  Cycles.  Otherwise,  the  Overlimit  Fee  is  $39.  The 
Overlimit Fee will never exceed the maximum amount you are over your Credit Limit during 
the Billing Cycle. 

Documentation Fee. 
You may request a copy of a Statement previously sent to you for a Documentation Fee of 
$3 per Statement, which will be applied to your Account. Copies of sales tickets or other 
items posted to your Account may be obtained for a Documentation Fee of $10 per sales 
ticket or other item, which will be applied to your Account. Notwithstanding the foregoing, 
we will not impose any fee in connection with a good faith assertion of a billing error or 
other  exercise  of  your  Billing  Rights  (see  below  under  “Your  Billing  Rights  -  Keep  This 
Notice for Future Use”). 

MILITARY LENDING ACT 

The Military Lending Act provides protections for Covered Borrowers. The provisions of 
this section apply to Covered Borrowers. If you would like more information about whether 
you are a Covered Borrower, you may contact us at 1-866-946-9545. 

Statement of MAPR 
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%.  This  rate  must  include,  as  applicable  to  the  credit 
transaction or account: (1) the costs associated with credit insurance premiums; (2) fees 
for ancillary products sold in connection with the credit transaction; (3) any application fee 
charged (other than certain application fees for specified credit transactions or accounts); 
and  (4)  any  participation  fee  charged  (other  than  certain  participation  fees  for  a  credit 
card account). 

Oral Disclosures 
In order to hear important disclosures and payment information about this Agreement, you 
may call 1-866-875-5929. 

Applicability of Arbitration of Disputes Provision 
The Arbitration of Disputes Provision set forth in this Agreement does not apply to Covered 
Borrowers. 

LOST CARDS AND UNAUTHORIZED USE 

You will take reasonable steps to prevent the unauthorized use of your Card and Account. 
If your Card is lost or stolen or if someone else might be using it without your permission, 
you must tell us at once. You may tell us by calling the telephone number on the back of 
your Card or on your Statement or by writing us at the address on your Statement. You 
will not be responsible for the charges made to your Account that are found by us to be 
unauthorized. If we reimburse your Account for unauthorized charges made using your 

. . . CONTINUED ON REVERSE

Card or Account, you will help us investigate, pursue, and get reimbursement from the 
wrongdoer. Your help includes giving us documents that we ask for and are acceptable 
to us. 

OUR RIGHTS AND HOW THEY AFFECT YOU 

Telephone Monitoring and Recording; Communications. 
You consent and agree that, except as restricted by applicable law, we may monitor and/or 
record telephone calls regarding your Account, suppress caller identification services and 
use an automated dialing and announcing system. If you provide us with a cellular phone 
number  either  as  part  of  your  application,  or  at  any  time  thereafter,  including,  without 
limitation, after your Account is in a default status, you are expressly consenting that we 
and our agents may (i) contact you at that number including by text message, and (ii) 
use automated telephone dialing systems to initiate such contacts and/or leave recorded 
messages.
If you provide us at any time with an email contact for your Account, you agree we may 
use that email address to contact you about your Account and may send you information 
about products and services related to your Account.
We or our representatives may contact you from time to time regarding the Account, or 
to  ask  for  additional  information  about  you  or  your  experience  with  us.  You  agree  that 
such  contacts  are  not  unsolicited  and  may  include  contacts  at  your  home  or  place  of 
employment, during weekdays, weekends or holidays, on your mobile telephone, voicemail 
or answering machine, or by email, fax, recorded message, text message or personal visit. 

Merchant Refunds. 
If a merchant agrees to give you a refund for goods or services purchased with your Card 
or Account, you will accept a credit on your Account instead of a cash refund. We do not 
control when a merchant sends us your refund and we will have reasonable amount of time 
after we receive your refund to process it. 

No Waiver of Rights; Disputed Amounts. 
We  can  accept  late  or  partial  payments  without  losing  any  of  our  rights  under  this 
Agreement. You agree not to send us partial payments marked “paid in full,” “without 
recourse,” or similar language. If you send such a payment, we may accept it without 
losing any of our rights under this Agreement. All written communications concerning 
disputed  amounts,  including  any  check  or  other  payment  instrument  that  indicated 
that the payment constitutes “payment in full” of the amount owed or that is tendered 
with other conditions or limitations or as full satisfaction of a disputed amount, must 
be mailed or delivered to Genesis FS Card Services, P.O. Box 4499, Beaverton, Oregon 
97076. 

Credit Reports and Information. 
You  authorize  us  to  make  or  have  made  any  credit,  employment,  or  other  investigative 
inquiries we deem appropriate to extend you credit or collect amounts owed to us on your 
Account. We (including any assignee of the Account or amounts owing under the Account) 
may also obtain information about you from credit reporting agencies or others at any time 
and use it for the purposes of monitoring your credit performance, managing your Account 
and considering you for new offers and programs. 

Notice of Inaccurate Information. 
If you believe that we have information about you that is inaccurate or that we have reported 
or may report to a credit reporting agency information about you that is inaccurate, please 
notify  us  of  the  specific  information  that  you  believe  is  inaccurate  by  writing  to  us  at 
Genesis FS Card Services, P.O. Box 4499, Beaverton, OR 97076. 

Default and Collection. 
Unless prohibited by applicable law, your Account is considered to be in default if (1) you 
fail to make the required Monthly Minimum Payment on or before the Payment Due Date, 
including  if  your  payment  is  returned  or  cannot  be  processed  and  you  do  not  correct 
that failure within 31 days, (2) you try to exceed or do exceed your Credit Limit without 
permission and do not bring your Account back under your Credit Limit within 31 days, 
(3) you become subject to bankruptcy or insolvency proceedings, (4) you become subject 
to  attachment  or  garnishment  proceedings,  (5)  you  give  us  any  false  information  or 
signature, (6) you die, or (7) you fail to comply with any portion of this Agreement. Our 
accepting a late or partial payment does not waive default. Default on this Account will 
constitute default on all accounts you hold with us. Subject to any notice of default and 
right to cure or other restrictions of applicable law, if you are in default, we may declare 
the entire balance due immediately. You agree to pay our reasonable costs and attorneys’ 
fees and expenses related to the collection of your Account, and retrieving your Card, to 
the extent permitted by applicable laws. 

Change of Terms. 
Subject to the limitations of applicable law, we may, at any time, change or remove 
any of the terms and conditions of, or add new terms or conditions to, this Agreement. 
If required by applicable law, we will mail written notice of such a change to you in the 
manner required by such law. As of the effective date, the changed or new terms will 
apply to new Purchases and Cash Advances and also to the outstanding balance of 
your Account, subject to the limitations of applicable law. 

Delay in Enforcement. 
We can delay enforcing our rights under this Agreement without losing them. 

OTHER PROVISIONS 

Ownership and Use of Your Card. 
As  the  Cardholder(s),  you  are  liable  for  all  credit  obtained  under  your  Account.  If  you 
authorize another person to use your Card, you are liable for any credit obtained on your 
Account for as long as that person holds the Card. In addition, you will remain liable until 
you recover possession of the Card. Misuse of your Card by an authorized person will not 
be  considered  unauthorized  use.  See  “Lost  Cards  and  Unauthorized  Use”  above.  Upon 
demand, you must immediately return any Card we supply to you or destroy the Card by 
cutting it in half. 

Authorized Users. 
If you ask us to issue a Card to any other person and we agree, they are an Authorized 
User. We may require certain information about an Authorized User. We may also discuss 
your Account with an Authorized User and provide them with Account information. You will 
be responsible for the Authorized User’s use of the Card and Account as well as anyone 
else they allow to use your Card or Account. This will be true even if you did not want, or 
agree to, the use. 

Removing an Authorized User. 
If you want to remove an Authorized User from your Account, you must contact us and 
request their removal. We will have a reasonable amount  of time  after we receive your 
request to remove them. You also must immediately destroy all Cards in their possession 
and cancel all of their billing arrangements to the Account. We will not do this for you. 
During this time, you still will be responsible for all amounts they, or another person they 
authorize to use the Card, charge to the Account. You will be responsible even if these 
amounts do not appear on your Account until later.

An  Authorized  User  may  remove  themselves  from  the  Account  upon  their  request.  We 
reserve the right to remove them from your Account for any reason. To remove them from 
your  Account,  we  may  close  your  existing  Account  and  issue  a  new  Card  with  a  new 
Account number. 

Transactions. 
You will retain for Statement verification your copy of each Purchase slip, Cash Advance or 
other transaction to your Account. 

Transfer of Your Account. 
You  may  not  transfer  your  Account  to  any  other  person.  We  may  assign  your  Account 
or amounts owing under your Account to any other person at any time and the assignee 
will  take  our  place  under  the  Agreement  with  respect  to  all  agreements  and  interests 
transferred. You must pay the assignee and otherwise perform your obligations under the 
assigned agreements and interests. 

Closing or Suspending Your Account. 
We may close or suspend your Account or your ability to obtain credit on your Account, 
or both, at any time, for any reason permitted by law and with or without advance notice.
You may close your Account at any time by contacting us. The closure of Account will not 
become effective until you have returned to us all of the Cards we have given you. If you 
have a joint Account and want to remove one of the names from the Account, we must 
receive a written request signed by both of the Cardholders on the Account and all Cards 
must be returned upon request. No party is released from the obligation for the balance 
owing on a joint Account, unless we agree to the arrangements in writing. You may have to 
reapply for a new Card for an individual Account when you request a change from a joint 
Account to an individual Account.
If your Account is closed or suspended for any reason, you must stop using your Card. 
You must also cancel all billing arrangements to the Account. We will not do this for you. If 
we close or permanently suspend your Account, you must also return all Cards to us. You 
must still pay us all amounts you owe on the Account, even if they are charged after your 
Account is closed or suspended. 

Additional Benefits and Services. 
From  time  to  time,  we  may  offer  you  benefits  and  services  with  your  Account.  These 
benefits and services may be provided by us or third parties. Unless expressly made a 
part of this Agreement, and except as provided in the Arbitration of Disputes section below, 
any such benefits and services are not a part of this Agreement, and are subject only to 
the terms and conditions outlined in the benefits or services brochure and other official 
documents provided to you with respect to the benefits and services. We may adjust, add, 
or delete benefits or services at any time in accordance with the brochures or documents 
you receive. Except as required by applicable law, we are not liable for benefits or services 
provided by third parties or the actions or omissions of those third parties. 

Foreign Currency Conversion. 
Payment  must  be  made  in  U.S.  Dollars  for  charges  you  incur  in  any  other  currency.  If 
you effect a transaction with your Card in a currency other than U.S. Dollars, Mastercard 
International  Incorporated  (“Mastercard”)  will  convert  the  charge  into  a  U.S.  Dollar 
amount.  Mastercard  will  act  in  accordance  with  its  operating  regulations  or  conversion 
procedures in effect at the time that the transaction is processed. Currently, the currency 
conversion rate used by Mastercard to determine the transaction amount in U.S. Dollars 
for such transactions is generally either a government mandated rate or a wholesale rate 
determined by Mastercard for the processing cycle in which the transaction is processed. 
The currency conversion rate used by Mastercard on the processing date may differ from 
the rate that would have been used on the Purchase date or monthly Statement posting 
date. We will also assess a Foreign Currency Conversion Fee interest charge as described 
in the “How Interest Charges are Determined” section. 

Honoring Your Card. 
We are not responsible if anyone refuses to accept your Card or Account for any reason. 
Although you may have credit available, we may decline any transaction for any reason. 
We are not liable for any refusal to honor your Card or Account. 
From time to time, due to circumstances beyond our control (such as system failures, 
natural disasters, or other unpredictable events), our services may not be available. When 
this  happens,  you  may  be  unable  to  use  your  Card  or  obtain  information  about  your 
Account. We will not be responsible or liable if this happens. 

Change of Address, Employment and Telephone. 
We  will  send  all  written  notices  and  Statements  to  your  address  as  it  appears  on  our 
records. To avoid delays and missed payments that could affect your credit standing, you 
agree to promptly advise us if you change your mailing address, place of employment, or 
telephone number. 

Severability. 
In the event that any provision of this Agreement is determined to be invalid or unenforceable 
for any reason, the remaining provisions will remain in effect. 

Entire Agreement; Interpretation. 
This Agreement (including other documents incorporated herein by reference) constitutes 
the final expression of the credit agreement between you and us relating to your Account. 
The headings used in this Agreement are for the convenience of reference only and are not 
intended to define or describe the scope or intent of any portion of the Agreement. 

Governing Law. 
Except as expressly set forth in the Arbitration of Disputes section, this Agreement and 
the interpretation and enforcement thereof (including but not limited to the exportation 
of interest rates) will be governed by Federal law that applies to us, and to the extent 
not  preempted  by  Federal  law,  the  laws  of  the  State  of  Utah,  without  regard  to  its 
conflicts of law provisions and principles.  If there is any conflict between any of the 
terms  and  conditions  of  this  Agreement  and  applicable  Federal  or  State  law,  this 
Agreement  will  be  considered  changed  to  the  extent  necessary  to  comply  with  the 
applicable law. 

Arbitration of Disputes. 
PLEASE READ THIS ARBITRATION OF DISPUTES PROVISION CAREFULLY. UNLESS YOU 
SEND US THE REJECTION NOTICE DESCRIBED BELOW, THIS PROVISION WILL APPLY TO 
YOUR ACCOUNT, AND MOST DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO 
INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL 
RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS 
ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND 
(4)  APPEAL  RIGHTS  WILL  BE  LIMITED.  THIS  ARBITRATION  OF  DISPUTES  PROVISION 
DOES  NOT  APPLY  TO  YOU  IF,  AS  OF  THE  DATE  OF  THIS  AGREEMENT,  YOU  ARE  A 
MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH MEMBER ENTITLED TO 
PROTECTION UNDER THE FEDERAL MILITARY LENDING ACT. PLEASE SEE THE SECTION 
OF THIS AGREEMENT LABELED “MILITARY LENDING ACT.” IF YOU WOULD LIKE MORE 
INFORMATION  ABOUT  WHETHER  YOU  ARE  ENTITLED  TO  PROTECTION  UNDER  THE 
FEDERAL  MILITARY  LENDING  ACT,  YOU  MAY  CONTACT  US  AT  1-866-946-9545.  This 
provision replaces any existing arbitration provision with us and will stay in force no matter 
what happens to your Account, including the closing of your Account. 
Except as expressly provided below, you and we must arbitrate individually,  by  binding 
arbitration  under  the  Federal  Arbitration  Act  (“FAA”),  any  dispute  or  claim  between  you 
and any joint cardholder on the one hand, and us, our affiliates and agents, on the other 
hand, if the dispute or claim arises out of or is related to (a) this Agreement (including 
without limitation, any dispute over the validity of this Agreement to arbitrate disputes or 
of this entire Agreement), or (b) your Account, or (c) any relationship resulting from this 
Agreement, or (d) any insurance or other service related to your Account, or (e) any other 
agreement related to your Account (including prior agreements) or any such service, or 
(f)  breach  of  this  Agreement  or  any  other  such  agreement,  whether  based  on  statute, 
contract, tort or any other legal theory (any “Claim”). However, we will not require you to 
arbitrate: (1) any individual Claims in small claims court or your state’s equivalent court, 
so long as it remains an individual case in that court; or (2) any Claim by us that only 
involves our effort to collect money you owe us. However, if you respond to a collection 
lawsuit by claiming that we engaged in wrongdoing, we may require you to arbitrate.
YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY 
GENERAL  ACTION  AGAINST  US  IN  COURT  OR  ARBITRATION.  ALSO,  YOU  MAY  NOT 
BRING CLAIMS AGAINST US ON BEHALF OF ANY CARDHOLDER WHO IS NOT A JOINT 
CARDHOLDER WITH YOU ON YOUR ACCOUNT (AN “UNRELATED CARDHOLDER”), AND 
YOU AGREE THAT NO UNRELATED CARDHOLDER MAY BRING ANY CLAIMS AGAINST US 
ON YOUR BEHALF. CLAIMS BY YOU AND AN UNRELATED CARDHOLDER MAY NOT BE 
JOINED IN A SINGLE ARBITRATION. THE ARBITRATOR WILL NOT HAVE THE POWER TO 
CONSIDER SUCH CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTIONS 
OR ANY SUCH CLAIMS YOU BRING ON BEHALF OF AN UNRELATED CARDHOLDER.
Judgment on the arbitration award may be entered in any court having jurisdiction. Any 
dispute regarding whether a particular controversy is subject to arbitration will be decided 
by a court and not by an arbitrator. If any part of the damages or other relief requested is 
not expressly stated as a dollar amount, the controversy will be a Claim that is subject to 
arbitration. You and we acknowledge and agree that the transactions contemplated by this 
Agreement, and any controversy that may arise under or relate to this Agreement, your 
Account, or the services or other agreements described above, involve “commerce” as 
that term is defined and used in the FAA.
If you or we elect to arbitrate a claim, the electing party must notify the other party in 
writing. The notice can be given after the beginning of a lawsuit and can be given in papers 
filed in the lawsuit. Otherwise, your notice must be sent to Genesis FS Card Services, Attn: 
Arbitration Demand, P.O. Box 4477, Beaverton, Oregon 97076, and our notice must be 
sent to the most recent address for you in our files. The arbitration will be administered 
by the American Arbitration Association (the “AAA”) under its rules in effect at the time an 
arbitration is commenced that are applicable to the resolution of consumer disputes (the 
“Arbitration Rules”). We will tell you how to contact the AAA and how to get a copy of the 
Arbitration Rules without cost if you ask us in writing to do so. The Arbitration Rules permit 
you to request deferral or reduction of the administrative fees of arbitration if paying them 
would cause you a hardship. In addition, if you ask us in writing, we will consider your 
request to pay any or all of your costs of arbitration.
Each arbitrator shall be a licensed attorney who has been engaged in the private practice 
of law continuously during the ten years immediately preceding the arbitration or a retired 
judge of a court of general or appellate jurisdiction. The arbitration award shall award only 
such relief as a court of competent jurisdiction could properly award under applicable law, 
including attorneys’ fees if allowed by applicable law or agreement, and may award to the 
prevailing party all pre- and post-award expenses of arbitration. All statutes of limitation, 
defenses, and attorney-client and other privileges that would apply in a court proceeding 
will apply in the arbitration. The filing of a demand for arbitration in accordance with the 
Arbitration  Rules  will  be  deemed  the  commencement  of  an  action  for  purposes  of  any 
applicable statute of limitations.
If  any  provision  of  this  Section  regarding  arbitration  of  disputes  shall  be  deemed  to  be 
unenforceable, the remainder of this Section shall be given full force and effect. However, 
if  the  provision  precluding  class,  representative  or  private  attorney  general  Claims  in 
arbitration is deemed unenforceable, then this entire Arbitration Agreement shall be void 
and of no force and effect.
You  may  reject  this  provision,  in  which  case  only  a  court  may  be  used  to  resolve  any 
dispute or claim. Rejection will not affect any other aspect of the Cardholder Agreement. 
To reject this Provision, you must send us a notice within 60 days after you open your 
Account  or  we  first  provide  you  with  a  right  to  reject  this  Provision.  This  notice  must 
include  your  name,  address  and  Account  number  and  be  mailed  to  Genesis  FS  Card 
Services, Attn: Arbitration Provision, P.O. Box 4477, Beaverton, Oregon 97076. This is the 
only way you can reject this Provision. 

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing 
Act. 

What To Do If You Think You Find A Mistake On Your Statement 
If you think there is an error on your Statement, please write to us at: Genesis FS Card 
Services, P.O. Box 4499, Beaverton, OR 97076. 
In your letter, give us the following information: 

•  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 bill, 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 Statement. 
•  At least three (3) business days before an automated payment is scheduled, if you 

want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are 
not required to investigate any potential errors, and you may have to pay the amount in 
question. 

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 bill 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  Statement,  and  we  may  continue  to 

charge you interest on that amount. 

•  While you do not have to pay the amount in question, you are responsible for the 

remainder of your 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 

or other fees 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 and fees. We will then send you a 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  bill  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 bill. 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 bill is correct. 

Your Rights If You Are Dissatisfied With Your Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit 
card, and you have tried in good faith to correct the problem with the merchant, you may 
have the right not to pay the remaining amount due on the Purchase. To use this right, all 
of the following must be true: 

1.  The  Purchase  must  have  been  made  in  your  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 credit card for the Purchase. Purchases made with cash 
advances from an ATM or with a check that accesses your credit card account do 
not qualify. 

3.  You must not yet have fully paid for the Purchase. 

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us 
in writing at Genesis FS Card Services, P.O. Box 4499, Beaverton, OR 97076-4499. 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. 

The Card issuer: 
Celtic Bank
Salt Lake City, Utah

F03-X894-4

JOB SPECS:
Flat Size:
8.25” x 10” 

Finished Size: 
8.25” x 3.75” 

Colors:

Front: Black
Back: None

Bleed: No 

Note: None 

Indigo Platinum MasterCard Account 
Celtic Bank 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) 
for Purchases 
APR for Cash Advances 

24.9% 

29.9% 

Penalty APR and When It 
Applies 

29.9% 

This APR may be applied to your account if you: 

1. Make a late payment.

Paying Interest 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

Fees 
Set Up and Maintenance Fees 

How Long Will the Penalty Rate Apply?  If your APR is increased for the 
above reason, the Penalty APR may apply to your account indeﬁnitely. 
Your 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 balance by 
the due date each month.  We will begin charging interest on cash advances 
on the transaction date. 
If you are charged interest, the charge will be no less than $.50. 
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. 

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 initial credit limit of $300, your initial 
available credit will be only about $225. 

You may reject this plan, provided that you have not yet used the account or 
paid a fee after receiving a billing statement.  If you do reject this plan, you 
are not responsible for any fees or charges. 

• Annual Fee
Transaction Fees 

$75 the ﬁrst year; $99 thereafter 

•

•

Cash Advance Fee

$0 during the ﬁrst year; after the ﬁrst year, either  $5 or 5% of the amount of 
each transaction, whichever is greater (not to exceed $100) 

Foreign Transaction Fee

1% of each transaction 

Penalty Fees 

•

Late Payment Fee

• Overlimit Fee

• Returned Payment Fee

Up to $39 

Up to $39 

Up to $39 

How We Calculate Your Balance:  We use a method called “average daily balance (including new purchases)”.  See 
your Cardholder Agreement for more details. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in 
your Cardholder Agreement.