EMBLEM® MASTERCARD® 
CREDIT CARD PROGRAM 

BANK CREDIT CARD AGREEMENT 
(NY Residents: RETAIL INSTALMENT CREDIT 
AGREEMENT) 
Nonnegotiable Consumer Note 

IMPORTANT INFORMATION: 

  CONSUMER IDENTIFICATION PROGRAM 

NOTICE (Important Information About Procedures for 
Opening a New Account) 

  BANK CREDIT CARD AGREEMENT 

➢  SUMMARY OF TERMS 
➢  AGREEMENT TO ARBITRATE CLAIMS 
(Including the Right to Reject Arbitration at 
Account Opening) 
➢  STATE NOTICES 
➢  BILLING RIGHTS NOTICE 

INFORMATION  ABOUT  PROCEDURES  FOR 

CUSTOMER IDENTIFICATION 
PROGRAM 
IMPORTANT 
OPENING A NEW ACCOUNT 
To help the government fight the funding of terrorism and  money 
laundering activities, Federal law requires all financial  institutions 
to  obtain,  verify,  and  record  information  that  identifies  each 
person  who  opens  an  account.  What  this  means  for  you:  When 
you open an account, we will ask for your name, street  address, 
mailing address, date of birth, and other information that will allow 
us to identify you.  We may also ask to see your driver’s   license 
or other identifying documents. 

(i) 

This Bank Credit Card Agreement (“Agreement“) controls the  use 
of  your  EMBLEM®  MasterCard®  bank  credit  card  account 
(“Account”).  Read  it  and  keep  it  for  your  reference.  Except  as 
otherwise  provided  in  this  Agreement  and  subject  to  applicable 
law,  this  Agreement  may  be  changed  at  any  time  beginning 
twelve (12) months after Account opening in accordance with the 
Change  of  Terms  paragraph  in  the  OUR  RIGHTS  AND  HOW 
THEY AFFECT YOU section of this Agreement. This  Agreement 
also  includes  an  Agreement  to  Arbitrate  with  a  right  to  reject 
arbitration.  See “ARBITRATION PROVISION (AGREEMENT  TO 
ARBITRATE  CLAIMS)”  below.  Covered  Military  Borrowers:   If 
you  are  a  “covered  borrower,”  as  defined  under  the  Military 
Lending  Act,  10 U.S.C.  § 987,  as  amended, 
the 
“ARBITRATION  PROVISION  (AGREEMENT  TO  ARBITRATION 
CLAIMS” provision, (ii) any waiver of right to legal recourse under 
any  state  or  federal  law  and  (iii)  any  other  provision  in  this 
Agreement that is not enforceable against you under the Military 
Lending Act does not apply to you. In this Agreement, the words 
“you,”  “your,”  and  “Cardholder”  refer  to  all  persons  who  were 
expressly  approved  by  us  to  use  the  Account.  The  words  “we,” 
“us,”  and  “our”  refer  to  Mid  America  Bank  &  Trust  Company 
located  in  Dixon,  MO,  our  successors  and  assigns.  The  words 
“Card”  or  “Cards”  refer  to  the  credit  card  that  we  issue  to  you. 
The  word  “Account”  means  an  individual  or  joint  credit  card 
account. The use of your Account number to obtain credit will  be 
considered  a  use  of  the  Card.  The  following  items  are  now 
incorporated  into  this  Agreement  and  made  a  part  of 
this 
Agreement: 
(1) Any  application,  acceptance  certificate  or  other  written 
document  (including  an  electronic  record)  that  you  originally 
signed  or  submitted 
(your 
“Application”); 
(2) The Card and card carrier that we send with your Card; and 
(3) Your  signature  (including  any  electronic  or  digital  signature) 
on any Application, sales slip or other evidence of  indebtedness 
on your Account. 

this  Account 

in  any  way 

for 

SUMMARY OF TERMS 
Interest Rates and Interest Charges 

19.99% 

0%* 

21.99% 

24.99% 

This APR may be applied to your account if you 
do not pay the required minimum payment by 
its due date for two consecutive billing cycles. 
How long will the Penalty APR apply?:  If 
your APRs are increased for the reason stated 
above, the Penalty APR will apply until you 
make six consecutive minimum payments 
when due. 

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 
and balance transfers (other than a Special 
Balance Transfer, which is not subject to interest) 
on the transaction date.  
If you are charged interest, the charge will not 
be less than $2.50. 

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/ 

Annual 
Percentage 
Rate (APR) 
for 
Purchases 

APR  for 
Special 
Balance 
Transfer 

APR for 
Cash 
Advances 
and other 
Balance 
Transfers 

Penalty 
APR and 
When it 
Applies 

Paying 
Interest 

Minimum 
Interest 
Charge 

For Credit 
Card Tips 
from the 
Consumer 
Financial 
Protection 
Bureau 

Fees 

Annual Fee 

Transaction 
Fees 
•  Balance 
Transfer 

•  Cash 

• 

Advance 
Foreign 
Transaction 

Penalty Fees 
Late 
• 
Payments 
•  Returned 
Payment 

None (Initial 1 year from card issuance 
date) 
$45 (After 1 year from card issuance 
date) 

None 

Up to 5% of the amount of each 
cash advance (maximum fee; $50); 
1% of each foreign transaction in 
U.S. dollars 

Up to $25 (varies by state; see below) 
Up to $25 (varies by state; see below) 

Billing Rights: Information on your rights to dispute transactions 
and  how  to  exercise  those  rights  is  provided  at  the  end  of  this 
document. 
How We Will Calculate Your Balance: We use a method  called 
“average  daily  balance  (including  new  purchases).”  See Details 
below. 
*No 

Interest  Charge  (including  any  Penalty  APR)  or  per 
transaction  Cash  Advance  Fee  will  apply  to  any  remaining 
Program  Balance  (“Special  Balance  Transfer,”  if  any)  that  is 
transferred  to  an  EMBLEM®  MasterCard®  credit    card  account 
(for  the  life  of  the  balance).  Any  other  balance  transfer  will  be 
treated  as  a  Cash  Advance  under  this  Bank  Credit  Card 
Agreement. 

**  No  annual  fee  will  be  applied  (at  any  time)  if  a  Program 

Balance remains. 

Periodic Rates with Corresponding APRs 

Purchase 
Periodic 
Rate 

Cash 
Advance 
Periodic 
Rate 

Penalty 
Periodic 
Rate 

Special 
Balance 
Transfer 
Periodic 
Rate* 

1.6658% 
(correspond- 
ing APR of 
19.99%) 

1.8325% 
(correspond- 
ing APR of 
21.99%) 

0.00% 
(correspond- 
ing APR of 
0.00%) 

2.0825% 
(correspond- 
ing APR of 
24.99%) 

Penalty  Rate:  If  we  do  not  receive  your  required  minimum 
payment within 60 days of its due date, your Purchase and  Cash 
Advance rates (but not your Special Balance Transfer  rate)  may 
increase to the Penalty Rate.   The Penalty APR will cease t o  

BF_AF_BCCA_19.99_D 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
to  members  of 

law  provides 
the  Armed  Forces  and 

apply if we receive six consecutive minimum monthly  payments 
on  or  before  their  respective  payment  due  dates  beginning 
with the first payment due date following the effective date of the 
increase. 
important 
Military  Lending  Act:   Federal 
protections 
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  hear  disclosures  related  to  the  Military 
Lending Act, please call this toll-free number:  877-345-0151 
Effective Date of This Agreement: This Agreement begins  on 
the  earlier  of  (i)  the  date  that  your  request  for  a  Card  and 
Account  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  or  balance  transfer 
transaction,  or  otherwise  (in  NY,  the  first  date  that  you  sign  a 
sales slip  or memorandum). 
Signature;  Acceptance  of  This  Agreement:    You    agree that 
any  action  taken  by  you  in  activating  your  Card,  making  a 
payment  on  your  Account  or  initiating  any  transaction  on 
your Account will constitute your signature on this Agreement. 
Your Credit Limit:  You agree not to use your Account in   any 
way  that  would  cause  you  to  go  over  the  maximum  amount  of 
credit  available  to  you  at  the  moment  you  initiate  a  transaction 
on  your  Account  (your  “Credit  Limit”).  We  may  refuse  to 
authorize or accept any transaction on your Account that would 
cause  you  to  exceed  your  Credit  Limit.  We  may  temporarily 
agree to allow  you to exceed your Credit Limit; however, in that 
case you must repay the excess amount immediately. 
We  reserve  the  right  to  change  (to  set,  increase,  decrease 
or  remove)  the  Credit  Limit for  your  Account  and/or  for specific 
types of Account balances from time to time. Such changes may 
occur without prior written notice to you and may be based upon 
factors  including,  but  not  limited  to,  anti-fraud  policies  and 
procedures,  your  record  of  making 
timely  payments  and 
staying  within  the established Credit Limit on your account with 
us,  your  credit score  and  information  contained  in  your  credit 
report. 
Your Credit Limit can be found on your latest periodic  statement 
or  provided  upon  request.  You  may  not  request  an  increase 
in your Credit Limit, but you may at any time request a decrease 
in your Credit Limit.  
Using  Your  Card  or  Account:  You  can  use  your  Card  to 
(including  mail, 
purchase  or 
participating 
telephone 
establishments  (“Purchase”).  You  also  can  use  your  Card  to 
obtain a cash  loan (“Cash Advance”) by presenting your Card to 
any  institution  that  accepts  the  Card  for  that  purpose  or  by 
making  a  withdrawal  of  cash  at  an  ATM.  Transactions  made 
with  your  Account  for  things  like  money  orders,  deposits,  wire 
transfer money  orders, travelers cheques, foreign  currency  and 
other  similar  transactions,  will  be  treated  as  Cash  Advances. 

lease  goods  or  services 

electronic 

orders) 

from 

and 

They are sometimes called “quasi- cash” transactions. 
You may use the Account only for personal, family, or  household 
purposes.  You  may  not  use  your  Card  or  your  Account  for  any 
illegal  transaction  or  any  gambling  transaction.  We  will  decline 
identifiable gambling transactions. 
We  may  refuse  to  authorize  or  accept  any  transaction  on  your 
Account if your Account is delinquent. 
Promise to Pay: You promise to pay us for all transactions,  plus 
Interest,  fees  and  other  charges  due,  on  your  Account.  You 
promise to make all payments in U.S. dollars and that all  checks 
or  other  items  submitted  in  payment  will  be  drawn  on  U.S. 
financial institutions. 
Monthly  Statements:  We  will  send  you  a  statement  under  the 
following circumstances: 
(1)  At  the  end  of  each  monthly  period  of  approximately  30  days 
(“Billing  Cycle”)  if  there  is  a  debit  or  credit  balance  on  your 
Account of $1 or more; 
(2)  If  we  assessed  a  Finance  Charge  on  a  balance  in  your 
Account; or 
(3) As otherwise required by applicable law. 
Minimum  Payment:  The  minimum  required  payment  on  your 
Account for each Billing Cycle (“Minimum Payment”) is the sum of 
(i) the  greater  of  (a)  one  percent  (1%)  of  your  total  outstanding 
Account  balance  on  the  Billing  Cycle  Closing  Date  (your  “New 
Balance”)  or  (b)  $15;  plus  (ii)  any  current  billed  periodic  Interest 
charges; plus (iii) any Late Payment Fee billed to your Account  in 
the current Billing Cycle; plus (iv) the greater of (a) any past  due 
amount  or  (b)  any  amount  by  which  your  New  Balance  exceeds 
your Credit Limit. 
If  your  New  Balance  is  less  than  your  Minimum  Payment,  your 
New Balance is due in full. 
You  may  pay  any  or  all  of  the  amounts  you  owe  at  any  time 
without  penalty.  You  must  pay  at  least  the  Minimum  Payment 
within 25 days of the Closing Date of the Billing Cycle (shown  as 
the “Payment Due Date” on your statement). 
(4)  Application  of  Payments:  We  will  apply  payments  to  your 
Account  in  accordance  with  applicable  law.  If  you  make    a 
payment  in  excess  of  the  required  minimum  payment,  we  must 
apply  the  excess  amount  first  to  your  balance  with  the  highest 
annual percentage rate. 
Payments are posted to your Account upon receipt; however,  we 
reserve  the  right  not  to  increase  your  available  credit  by  the 
amount of any payment received for a period of four (4) business 
days  from  the  date  of  receipt  to  provide  for  processing  and/or 
verification.  To  speed  this  payment  process,  we  make  a 
convenient  expedited  pay-by-phone  service  available  to  our 
customers.  A  small  fee  may  be  charged  when  you  use  this 
optional payment method. 
HOW FINANCE CHARGES ARE DETERMINED 
Your finance charge will include the following, as applicable: (i)  a 
per transaction finance charge (Cash Advance Fee) as shown  in 
the  Summary  of  Terms  above  for  each  Cash  Advance  posted 
during  a  Billing  Cycle  and  (ii)  your  periodic  Interest  charge.  We 
compute  periodic  Interest  charges  applying  the    applicable 
Monthly Periodic Rate to (a) your Average Daily Balance of  Cash 
Advances,  (b) your  Average  Daily  Balance  of  Purchases   and 
(c) the  respective  average  daily  balances  for  any  other  types  of 
balances  that  are  subject  to  different    APRs.    Again,  any 
remaining  Program  Balance  (Special  Balance  Transfer)  that  is 

transferred  to  your  EMBLEM®  MasterCard  ®  credit    card account 
will not accrue any finance charge (including any Penalty APR or 
Cash Advance Fee) for the life of the balance. 
Calculating the Balance Subject to Interest: We calculate  the 
balance  subject  to  Interest  using  the  “Average  Daily  Balance 
(including  new  transactions)”  method  (“ADB”).  We  calculate  the 
ADB separately for each type of balance. To get each ADB,  we 
take  the  beginning  balance  of  your  Account  each  day  for  each 
type  of  balance,  including  accrued  but  unpaid  Interest  charges 
attributable to such balance, add any new transactions as of  the 
date of transaction, including any applicable Cash Advance  Fees 
as of the date each Cash Advance posts with us, and subtract the 
applicable  portion  of  any  payments  and  credits  as  of  the  date 
those post with us. This gives us the daily balance for each  type 
of  balance.   Then  we  add  together  the  daily  balances  for the 
Billing Cycle for each type of balance and divide the total by the 
number  of  days  in  the  Billing  Cycle.  This  gives  us  the  ADB  for 
each  type  of  balance.  Annual  Percentage  Rate  (APR)  and 
Monthly Periodic Rate: The applicable Monthly Periodic Rate is 
equal  to  1/12  of  the  corresponding  APR.  The  Monthly  Periodic 
Rate  (and corresponding APR) for each type of balance is shown 
above. 
When Interest Charges Begin to Accrue: Subject to any  grace 
period, periodic 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.  You  will  have  a  25-day  grace 
period  to  repay  your  new  balance  before  an  Interest  charge  on 
Purchases  will  be  imposed  if  your  Previous  Balance  is  (i) zero, 
(ii) a credit balance, or (iii) paid in full by the “Payment Due Date” 
shown  on  your  monthly  billing  statement.  Interest  on  Cash 
Advances (in addition to Cash Advance Fees) will be imposed  at 
the  applicable  Monthly  Periodic  Rate  from  the  date  of  each 
transaction  and  will  continue  to  accrue  on  unpaid  balances    as 
long as they remain unpaid. There is no time period within  which 
to pay to avoid periodic Interest charges on Cash Advances. The 
minimum  FINANCE  CHARGE  you  will  be  required  to  pay  in  any 
billing cycle that has Finance Charge due is $2.50. 
ACCOUNT FEES: The fees and charges that may be applied  to 
your Account are set forth in the Summary of Terms above. 
Late  Payment  Fee: If  you  do  not make  your  Minimum  Payment 
on  or  before  the  Payment  Due  Date,  we  will  apply  a  Late 
Payment Charge of up to $25 ($15 in IA) if payment is more  than 
5 days late. 
Returned Check Fee:   If any check or money order in payment 
of  your  account  is  returned  to  us  unpaid  for  any  reason,  we  will 
apply  a  returned  check  fee  of  up  to  $25  ($15  in  IA)  to  your 
Account. 
Annual  Fee:  Your account may be assessed an annual  fee    of 
$25 starting 24 months after card issuance date. 
Foreign  Transaction  Fee: We  will  impose  a  fee  of  one  percent 
(1%)  on  each  (original  and  reversed)  international  purchase, 
credit  voucher,  and  cash  disbursement  transaction  (including 
international  transactions  made  in  U.S.  dollars).  This  fee  is  a 
pass-through of a fee imposed by the card association. 
OUR RIGHTS AND HOW THEY AFFECT YOU 
Telephone  Monitoring  and  Recording:  From  time  to  time,  we 
may  monitor  and/or  record  telephone  calls  regarding  your 
Account  with  us  to  assure  the  quality  of  our  service,  and  you 
agree to any such monitoring or recording. 

to,  postal  mail,  electronic  mail, 

Communicating  With  You;  Consent  to  Contact  by  Electronic 
and  Other  Means:  You  agree  that  we  or  our  servicers,  agents, 
contractors, successors, or assigns may contact you as provided in 
this  paragraph.  We  may  contact  you  for  any  lawful  reason, 
including  for  the  collection  of  amounts  owed  to  us  and  for  the 
offering  of  products  or  services  in  compliance  with  our  Privacy 
Policy  in  effect from  time to  time.  No such contact  will  be deemed 
unsolicited.  We  may  contact  you  at  any  address  or  telephone 
number  (including  wireless  cellular  telephone  or  ported  landline 
telephone  number)  that  you  may  provide  to  us  from  time  to  time. 
We  may  use  any  means  of  communication,  including,  but  not 
limited 
telephone  or  other 
technology,  to  reach  you.  You  agree  that  we  may  use  automatic 
dialing  and  announcing  devices  which  may  play 
recorded 
messages.  We may also send text messages to your telephone. 
You  may  contact  us  at  any  time  to  ask  that  we  not  contact  you 
using any one or more methods or technologies. 
Refunds: If a seller agrees to give a refund, you agree to  accept 
a credit on your Account instead of a cash refund. 
Postdated  Checks,  Restricted  Endorsement  Checks  and 
Other  Disputed  or  Qualified  Payments:  We  can  accept  late, 
postdated  or  partial  payments  without  losing  any  of  our  rights 
under this Agreement. (A postdated check is a check dated later 
than  the  day  it  was  actually  presented  for  payment.)  We  are 
under  no  obligation  to  hold  a  post  dated  check  and  we  reserve 
the  right  to  process  every  item  presented  as  if  dated  the  same 
date  received  by  us  or  our  check  processor  unless  you  give  us 
adequate notice and a reasonable opportunity to act on it.  Except 
where such notice and opportunity is given, you may not hold us 
liable for depositing any postdated check. 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 
notices  and  written  communications  concerning  postdated 
checks, restricted endorsement checks (including any  check 
or other payment instrument that indicates 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)  or  any  other  disputed, 
nonconforming  or  qualified  payments,  must  be  mailed  or 
delivered to Emblem Cardholder Services, PO BOX 89210 Sioux 
Falls, SD 57109. 
Credit Reports and Information: You authorize us to make  any 
credit,  employment,  or  other  investigative  inquiries  we  deem 
appropriate  to  extend  you  credit  or  to  renew,  review  or  collect 
amounts owed to us on your Account. We also may  obtain follow-
up  credit  reports  on  you  for  any  lawful  purpose  as  long  as  you 
have an outstanding balance. 
Information Sharing: You acknowledge and agree that we  may 
share  information  about  you  with  others  in  accordance  with  our 
Privacy Policy in effect from time to time. We will provide a  copy 
of our current Privacy Policy to you from time to time. 
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 Emblem  Cardholder 
Services, PO BOX 89210 Sioux Falls, SD 57109. 
Collection  and  Default:  Unless  prohibited  by  applicable  law, 
your Account is considered to be in default if: 

BF_AF_BCCA_19.99_D 

 
 
to  attachment  or  garnishment 

(1) You  do  not  make  at  least  the  Minimum  Payment  on  or 
before the Payment Due Date; 
(2) You try to exceed, or do exceed, your Credit Limit; 
(3) You file bankruptcy or insolvency proceedings; 
(4) You  become  subject 
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. 
Subject  to  any  notice  of  default  and  right  to  cure  or  other 
restriction  of  applicable  law,  if  you  are  in  default,  we  may 
declare the entire balance due immediately. 
Change of Terms: Your Account is a continuing offer to extend 
further  credit  to  you  that  we  may  end  at  any  time.  Except  as 
otherwise provided in this Agreement and  subject to applicable 
law,  we  may,  at  any  time  beginning  twelve  (12)  months 
after  Account  opening,  add,  change  or  remove  any  of  the 
terms and conditions of this  Agreement.  A change may be 
based upon factors including, but not limited to, anti- fraud 
policies  and  procedures,  your  record  of  making  timely 
payments and staying within your established Credit  Limit, 
your  credit  score  and  information  contained  in  your  credit 
report. We  will  mail  written  notice  of  a  change  to  you  when 
and  in  the  manner  required  by  applicable  law.  Subject  to  the 
limitations  of  applicable  law,  as  of  the  stated  effective  date, 
the  changed  or  new  terms  will  apply  to  new  Purchases,  Cash 
Advances and other transactions. 
Delay  in  Enforcement:  We  can  delay  enforcing  our  rights 
under this Agreement without losing them. 
OTHER PROVISIONS 
Transfer  and  Termination  of  Your  Account:  You  may  not 
transfer your Account to any other person. We may assign  your 
Account  to  any  other  person  at  any  time.  We  may  terminate 
your  Account  if  you  are  or  become  a  non-U.S.  resident  or  a 
resident  of 
Indiana,  Massachusetts,  Maine,  North 
Carolina,  Rhode  Island,  West  Virginia  or  any  U.S.  territory. 
Either  you  or  we  may  terminate  or  suspend  your  credit 
privileges  at  any  time.  Upon  our  request,  you  agree  to  destroy 
your Card immediately. 
Account Cancellation and Fee Refund: You may ask that we 
close your Account at any time by notifying us in writing.  Except 
as  provided  below,  you  will  remain  responsible 
for  all 
transactions,  periodic  Interest  charges,  and  other  fees  and 
charges, charged to your Account until paid in full. We will  credit 
fees  to  your  Account  ONLY  IF  (i)  you  close  your  Account 
within  30  days  of  Account  opening  and  (ii)  you  make  no  new 
Purchase  or  Cash  Advance  transactions  on  your  Account  after 
opening.  After  this  30-day  period,  all  fees  are  no  longer 
avoidable  or refundable. 
for 
Foreign  Currency  Conversion:  If  you  use  your  Card 
the 
transactions 
than  U.S.  dollars, 
the 
transactions  will  be  converted  to  U.S.  dollars  under 
appropriate 
regulations.  The 
exc ha nge or currency conversion rate between the transaction 
currency  and  the  billing  currency  will  be  either  (i)  a  rate 
selected  by  the  card  association  from  the  range  of  rates 
available  in  wholesale  currency  markets  for  the  applicable 
central processing  date, which rate may vary from the rate the 
the  government-
card  association 

in  a  currency  other 

itself  receives,  or 

card  association 

current 

Illinois, 

(ii) 

mandated  rate  in  effect  for  the  applicable  central  processing 
date.  The  exchange  or  currency  conversion  rate  on 
the 
transaction  processing  date    may differ  from  the  rate  in  effect  at 
the time of the transaction or the date the transaction is posted to 
your Account. You agree to accept the converted amount in U.S. 
dollars. 
Honoring  Your  Card:  We  are  not  accountable  if  a  merchant, 
ATM  or  other  institution  does  not  honor  your  Card,  or  if  it 
malfunctions  there.  Although  you  may  have  credit  available,  we 
are  not  liable  if  credit  is  not  authorized  or  approved,  whether 
because  of  operational  difficulties,  mistakes  or  otherwise. 
Transactions  above  a  certain  dollar  amount  may  require  special 
authorization  by  us  before  the  transaction  can  be  approved.  In 
addition,  we  may  limit  the  number  and  amount  of  transactions 
approved  in  one  day  for  security  reasons,  without  any  liability  to 
you. 

fees  and  charges, 

Notices; Change of Address, Employment or 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  advise  us 
if  you  change  your  mailing  address,  place  of 
promptly 
employment,  telephone  number  or  other  contact 
information, 
including, but not limited to, porting a landline telephone  number 
to a cellular phone. You represent and agree that for purposes of 
imposing 
the  mailing  address  on  your 
statement is your state of residence. 
Severability: In the event that any provision of this Agreement is 
determined  to  be  invalid  or  unenforceable  for  any  reason,  the 
validity or  enforceability of any other provision of this  Agreement 
will  not  be  affected,  and  in  lieu  of  such  invalid  or  unenforceable 
this 
provision  there  will  be  added  automatically,  as  part  of 
Agreement,  a  provision  as  similar  in  terms  as  may  be  valid  and 
enforceable, if possible. 
No Waiver  By  Us:  We  reserve the  right,  at  any  time  and  in  our 
sole  discretion,  not  to  impose  part  or  all  of  any  fee  or  other 
amount  imposed  pursuant  to  this  Agreement  or  not  to  exercise 
any  of  our  other  rights  under  this  Agreement. If  we  exercise  the 
foregoing right, we will not waive our right to impose any such fee 
or other amount or our right to exercise the foregoing right or  any 
other rights, in the future. 
Entire  Agreement;  Interpretation:  This  Agreement  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 entire scope or intent of any portion of  this 
Agreement. 
Governing  Law:  This  Agreement  is  controlled  and  governed 
the laws of the State of Missouri, including Missouri  Revised 
Statutes  (Chapter  408  Legal  Tender  and  Interest)  Section 
408.145, except to the extent that such laws are  inconsistent 
with controlling federal laws. 
ARBITRATION  PROVISION 
ARBITRATE CLAIMS) 
Unless you are a “covered borrower,” as defined under the Military 
Lending  Act,  10  U.S.C.  §987,  as  amended,  and  except  as 
otherwise  stated  below,  if  you  or  we  so  choose,  any Claim (as 
defined below) will be resolved by binding  arbitration pursuant to 
(a) this Arbitration Provision and (b) the code  of procedure of the 

(AGREEMENT  TO 

"Claims")  as 

future,  (collectively, 

national arbitration organization to which  the Claim is referred (as 
in effect when the Claim is filed). Claims will be referred to either 
Judicial  Arbitration  and  Mediation  Services  (“JAMS”)  or  the 
American  Arbitration  Association  (“AAA”),  as  selected  by  the 
to  use  arbitration.  Streamlined  arbitration 
party  electing 
procedures will be used if available.  If a selection by us of one of 
these  organizations  is  unacceptable  to  you,  you  have  the  right, 
within 30 days after you receive notice of our election, to select the 
other organization listed to serve as arbitration administrator. For 
purposes  of  this  Arbitration  Provision,  “Claim”  means  any  claim, 
dispute  or  controversy  (whether  in  contract,  tort,  or  otherwise) 
past,  present  or 
further 
described  below.  (If  for  any  reason  a  selected  organization 
cannot, will not or ceases to serve as an  arbitration administrator, 
you  or  we  may  substitute  another  wi d e l y   recognized  arbitration 
organization that uses a similar code of procedure and is mutually 
acceptable to the parties.) If  you receive a Card and later default 
on  your  Account,  we  agree  not  to  bring  legal  action  or  seek 
arbitration  to  collect  any  remaining  Program  Balance  that  is 
transferred to your EMBLEM® MasterCard® Account. 
RIGHT  TO  REJECT  ARBITRATION:  You  may  reject  this 
Arbitration  Provision.  If  you  do  so,  neither  you  nor  we  will 
have  the  right  to  engage  in  arbitration.    Rejecting 
this 
Arbitration  Provision  will  have  no  affect  on  any  of  the  other 
provisions  in  this  Bank  Credit  Card  Agreement.  To  reject  this 
Arbitration  Provision,  you  must  send  us  your  written  rejection 
within 60 days after we open your Account, or 60 days after  any 
change in terms that affects this Arbitration Provision, to  Emblem 
Cardholder Services, PO BOX 89210 Sioux Falls, SD 57109. 
In your letter, you must give us the following information:  Name, 
Address  and  Account  number.  The  right  to  reject  granted  here 
applies  solely  to  this  Arbitration  Provision,  and  not  to  any  other 
provision  of  this  Bank  Credit  Card  Agreement,  or  to  any  other 
agreement  with  us.  In  the  event  of  a  dispute  over  whether  you 
have provided a timely rejection notice, you must provide proof  of 
delivery.  Neither  party  may  elect  to  arbitrate  an  individual  Claim 
brought  in  small  claims  court  (or  your  state’s  equivalent  court,  if 
any).  However,  if  a  Claim that  is brought  in  small claims court  is 
transferred or appealed to a different court, either party may  elect 
arbitration. 
SIGNIFICANCE  OF  ARBITRATION;  LIMITATIONS  AND 
RESTRICTIONS.  IF  YOU  OR  WE  CHOOSE  TO  RESOLVE  A 
CLAIM  BY  BINDING  ARBITRATION,  NEITHER  YOU  NOR  WE 
WILL  HAVE  THE  RIGHT  TO  (i)  HAVE  A  COURT  OR  JURY 
DECIDE  THE  CLAIM  BEING  ARBITRATED  (ii)  ENGAGE  IN 
PRE-ARBITRATION  DISCOVERY  (THAT  IS,  THE  RIGHT  TO 
OBTAIN  INFORMATION  FROM  THE  OTHER  PARTY)  TO  THE 
SAME   EXTENT   THAT   YOU   OR  WE   COULD  IN  COURT, 
(iii) PARTICIPATE  AS  A REPRESENTATIVE  OR MEMBER  OF 
ANY CLASS OF CLAIMANTS IN A CLASS ACTION, IN COURT 
OR  IN  ARBITRATION,  RELATING  TO  ANY  CLAIM  SUBJECT 
TO  ARBITRATION  OR  (iv)  JOIN  OR  CONSOLIDATE  CLAIMS 
OTHER  THAN  YOUR  OWN  OR  OUR  OWN.  OTHER  RIGHTS 
AVAILABLE 
IN 
ARBITRATION.  Except  as  set  forth  below,  the  arbitrator’s 
decision  will  be  final  and  binding.  Only  a  court  may  decide  the 
validity of items (iii) and (iv) above. If a court holds that items (iii) 
or  (iv)  are  limited,  invalid  or  unenforceable,  then  this  entire 
Arbitration Provision will be null and void. You or we can  appeal 

IN  COURT  MAY  NOT  BE  AVAILABLE 

interpretation  and  enforceability  of 

any  such  holding.  If  a  court  holds  that  any  other  part(s)  of  this 
Arbitration Provision (other than items (iii) and (iv)) are  invalid, then 
the remaining parts of this Arbitration Provision will remain in force. 
An  arbitrator  will  decide  all  other  issues  pertaining  to  arbitrability, 
this  Arbitration 
validity, 
Provision.  The  decision  of  an  arbitrator  is  as  enforceable  as  any 
court order and may be subject to very limited review by a court. An 
arbitrator  may  decide  a  Claim  upon  the  submission  of  documents 
alone.  A  party  may    request  a  telephonic  hearing  if  permitted  by 
information 
applicable  rules.  The  exchange  of  non-privileged 
relevant  to  the  Claim,  between  the  parties,  is  permitted  and 
encouraged.  Either  party  may  submit 
information, 
documents or exhibits to the arbitrator for consideration in deciding 
a Claim. 

relevant 

regarding 

BROAD  MEANING  OF  “CLAIMS.”  The  term  "Claims"  in  this 
Arbitration Provision is to be given the broadest possible meaning 
and  includes  (by  way  of  example  and  without  limitation)  Claims 
arising from or relating to (i) the application for or issuance of your 
Account,  (ii)  use,  terms,  change  in  terms  or  addition  of  terms, 
closing  or  collection  of  your  Account  or  this  Bank  Credit  Card 
Agreement,  (iii)  advertisements,  promotions  or  oral  or  written 
statements  related  to  your  Account,  including  any  Claims 
regarding  information  obtained  by  us  from,  or  reported  by  us  to, 
credit reporting agencies or others, (iv) the goods or insurance  or 
other  services  purchased  under  your  Account,  (v)    Claims 
between  you  and  our  parent  corporations,  wholly  or  majority 
owned subsidiaries, affiliates, predecessors, successors, assigns, 
agents, independent contractors, employees, officers, directors or 
representatives  arising  from  your  Account  or  this  Bank  Credit 
Card  Agreement  and 
the  validity, 
(vi)  Claims 
enforceability  or  scope  of  this  Arbitration  Provision  or  this  Bank 
Credit Card Agreement. 
ARBITRATION PROCEDURE AND COSTS.    For a  copy    of 
relevant  codes  of  procedure,  to  file  a  Claim  or  for  other 
information about JAMS and AAA, write them, visit their web  site 
or call them at: (i) for JAMS, 1920 Main Street, Suite 300,  Irvine, 
CA 92614 or info@jamsadr.com, http://www.jamsadr.com,  1-800- 
352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor, New  York, 
NY  10019  or  websitemail@adr.org,  http://www.adr.org,  1-800- 
778-7879.  If  either  party  fails  to  submit  to  arbitration  following  a 
proper  demand  to  do  so,  that  party  will  bear  the  costs  and 
expenses,  including  reasonable  attorneys’  fees,  incurred  by  the 
party compelling arbitration. Any physical arbitration hearing  that 
you attend will be held in the federal judicial district where you live 
at  the  time  the  Claim  is  filed.  The  party  initiating  the    arbitration 
will  pay  the  filing  fee.  You may seek  a  waiver  of  the initial    filing 
fee  or  any  other  fees  incurred  in  arbitration. If  you  seek,  but    do 
not  qualify  for,  a  waiver,  we  will  consider  any  written  request  by 
you  for  us  to  pay  or  reimburse  you  for  all  or  part  of  such  fees. 
Each  party  will  pay  for  its  respective  attorneys’,  experts’  and 
witness fees, regardless of which party prevails in the  arbitration. 
A party may recover any or all expenses from another party if  the 
arbitrator,  applying  applicable  law,  so  determines.  Allocation  of 
fees and costs relating to appeals in arbitration will be handled  in 
the  same  manner.  For  an  explanation  and  schedule  of  the  fees 
that  apply  to  an  arbitration  proceeding  with  JAMS,  please  visit 
for  AAA, 
http://www.jamsadr.com/rules-streamlined-arbitration; 
fee 
visit  http://www.adr.org/si.asp?id=5391.  The  appropriate 

BF_AF_BCCA_19.99_D 

 
 
schedule  in  effect  from time to time  is  hereby  incorporated  by 
reference into this Arbitration Provision. The cost of  arbitration 
may be higher or lower than the cost of bringing your Claim  in 
court,  depending  upon  the  nature  of  your  Claim  and  how 
the  arbitration  proceeds.  Having  more  than  one  Claim  and 
holding 
the  cost  of 
arbitration.  Again,  neither  you  nor  we  will  be  permitted  to 
arbitrate  claims  on  a  class-  wide  (that  is,  on  other  than  an 
individual)  basis.  An  arbitration  proceeding  can  decide  only 
join  other  parties  (or 
your  or  our  Claims.  You  cannot 
consolidate  Claims)  except  with  respect  to  persons  who  use 
your Account. 

face-to-face  hearings  can 

increase 

GOVERNING LAW FOR ARBITRATION. This Arbitration 
Provision  is  made  pursuant  to  a  transaction  involving 
interstate commerce,  and  will  be  governed  by  the  Federal 
Arbitration  Act ("FAA"), 9 U.S.C. §§ 1 et seq., as amended, 
notwithstanding any other governing law provision in this Bank 
Credit   Card Agreement. The arbitrator will apply applicable 
substantive  law consistent with the FAA and applicable 
statutes of limitations  and will honor claims of privilege 
recognized at law. Judgment  upon any  arbitration  award  may 
be  entered  and  enforced,  including without limitation by 
garnishment, attachment, foreclosure  or other post-judgment 
remedies, in any court  having jurisdiction. The arbitrator’s 
decision will be final and binding, except for any right of appeal 
provided by the FAA, in which case any party  can appeal the 
award to a three-arbitrator panel administered by  the selected 
arbitration administrator. The panel will reconsider de novo 
(that is, without deference to the ruling of the  original 
arbitration) any aspect of the initial award requested by  the 
appealing party. 
CONTINUED EFFECT OF ARBITRATION PROVISION.    This 
Arbitration  Provision  will  continue  to  govern  any  Claims  that 
may  arise  without  regard  to  any  termination  or  cancellation  of 
your  Account. If  any  portion  of  this Arbitration Provision  (other  
than the provisions prohibiting class-wide arbitration, joinder or 
consolidation)  is  deemed  invalid  or  unenforceable  under  the 
FAA,  it  will  not  invalidate  the  remaining  portions  of  this 
Arbitration  Provision.  If  a  conflict  or  inconsistency  arises 
between  the  code  of  procedures  of  the  selected  arbitration 
administrator  and  this  Arbitration  Provision,  this  Arbitration 
Provision will control. 
STATE NOTICES 

CA  RESIDENTS:  A  married  applicant  may  apply  for  a 
separate account. If this is a joint account, after credit approval, 
each  applicant  shall  have  the  right  to  use  this  account  to  the 
extent of any credit limit set by the creditor, and each applicant 
may  be  liable  for  all  amounts  of  credit  extended  under  this 
account  to  any  joint  applicant.  Interest  is  compounded  on 
unpaid  finance  charges  on  Purchases  and  on  unpaid  finance 
charges on Cash Advances. 
NJ RESIDENTS: Because certain provisions of this 
Agreement are subject to applicable law, they may be void, 
unenforceable or inapplicable in some jurisdictions. None of 
these provisions, however, is void, unenforceable or 
inapplicable in New Jersey. 
OH RESIDENTS: The Ohio laws against discrimination require 
that all creditors make credit equally available to all  credit 
worthy customers, and that credit reporting agencies maintain 

Services PO BOX 89210 
Sioux Falls, SD 57109 

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.

separate histories on each individual upon request. The Ohio civil 
rights commission administers compliance with this law. 
 NY  RESIDENTS:  New  York  residents  may  contact  the  New 
York  state  banking  department  to  obtain  comparative  listing  of 
credit card rates, fees, and grace periods. Call 1-800-518-8866.  
WI  RESIDENTS:  We  will  not  charge  you  attorneys’  fees,  court 
costs, or other collection costs incurred as a result of your default. 
MARRIED WI RESIDENTS: No provisions of any marital 
property agreement, unilateral statement under section 766.59 or 
court decree under section 766.70 will adversely affect the interest 
of the creditor unless the creditor, prior to the time credit is 
granted, is furnished a copy of the agreement, statement, or 
decree or has actual knowledge of the adverse position when the 
obligation to the creditor is incurred. We are required to ask you to 
provide the name and address of your spouse. 
DE  and  MD  RESIDENTS:  Finance  charges  will  be  imposed  in 
amounts or at rates not in excess of those permitted by law on the 
outstanding balances from month to month. 
MD RESIDENTS: You have the right under Section 12-510 of the 
Commercial  Law  Code  to  receive  an  answer  to  a  written  inquiry 
concerning the status of your account. 
NOTICE TO THE BUYER 
1. DO NOT SIGN THIS CREDIT  AGREEMENT 
BEFORE YOU READ IT OR IF IT CONTAINS ANY 
BLANK SPACES. 
2. YOU ARE ENTITLED TO A  COMPLETELY 
FILLED IN COPY OF THIS CREDIT AGREEMENT. 
3. YOU  MAY  AT ANY  TIME  PAY MORE THAN 
THE  MINIMUM  PAYMENT  OR  YOUR ENTIRE 
BALANCE  IN  FULL WITHOUT INCURRING  ANY 
ADDITIONAL  CHARGE FOR PREPAYMENT. 
NY  RESIDENTS:  RETAIL  INSTALMENT  CREDIT 
AGREEMENT 
CARDHOLDER:  Your  signature  (including  any  electronic  or 
digital signature) on any Application or on any sales slip or  other 
evidence  of  indebtedness  on  your  Account  represents  your 
signature on this Agreement. 
BANK: /s/ Mid America Bank & Trust Company, Dixon, MO 
Date: September 2017 
BILLING RIGHTS NOTICE 
Your Billing Rights: Keep This Document For Future Use 
This  notice  tells  you  about  your  rights  and  our  responsibilities 
under the Fair Credit Billing Act. 
What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at: 
Emblem Cardholder Services 
PO BOX 89210 
Sioux Falls, SD 57109 
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  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  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  Credit  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  b as e d   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: 
Emblem Cardholder 

BF_AF_BCCA_19.99_D