CREDIT AGREEMENT AND TRUTH IN LENDING DISCLOSURES   
                        New York Residents:  RETAIL INSTALMENT CREDIT AGREEMENT 
                                              
       
                                              
                                             immediately upon demand.  You may access the unused portion of the credit limit 
     Interest Rates and Interest Charges 
                                             so long as you are not in default under this Agreement.  You agree to pay for all 
                                             Purchases You or anyone you authorize to use the Account  charge to the 
     Annual Percentage 
                                             Account, and all other charges assessed to the Account under the terms of this 
     Rate (APR) for  29.99% 
     Purchases                               Agreement.  When You sign the Application You agree to every term in this 
                                             Agreement.  Therefore, read this entire Agreement, including the cost-of-credit 
                                             disclosures  required  by  federal  and/or  state  law,  before  You  sign. 
                  Your due date is at least 25 days after the close of  3. The Cost of Credit: 
     How to Avoid Paying  each billing cycle.  We will not charge you any  A. Interest Charge Accruals: An interest charge will accrue from the date 
     Interest     interest on purchases if you pay your entire balance  of any Purchase or other advance you make pursuant to this Agreement.   
                  by the due date each month.    B. Promotional Plan (�Promotional Plan�): If we offer You a Promotional 
                                                Plan,  including  any  deferred  interest  financing  program,  we  will 
                                                communicate the terms of the Promotional Plan at the time of the offer.  If 
                                                the Promotional Plan is a deferred interest program, you must make timely 
                  If you are charged interest, the charge will be no  minimum monthly payments and must pay your promotional balance in full 
     Minimum Interest Charge 
                  less than $0.50.              within the promotional period in order to avoid being assessed interest 
                                                charges that accrue during the promotional period from the date of the 
                                                purchase.  If you fail to do so, you must repay all interest that has accrued 
                                                on the promotional balance during the promotional period.   
     For Credit Card Tips  To learn more about factors to consider when 
                                                C. Monthly Terms: An interest charge will be imposed at the monthly 
     from the Consumer  applying for or using a credit card, visit the website 
     Financial Protection                       periodic rate of 2.499%, which equates to an annual percentage rate of 
                  of the Consumer Financial Protection Bureau at 
     Bureau (�CFPB�)                            29.99%.  Interest charges will accrue from the Purchase date, except that 
                  http://www.consumerfinance.gov/learnmore.  
                                                no interest charges will be imposed in any billing cycle in which (a) there is 
     Fees                                       no balance at the beginning of the billing cycle, or (b) payments received 
                                                and credit issued within 25 days after the cycle closing date shown on the 
     Annual Fee   None 
                                                monthly statement equal or exceed the cycle opening balance. At any time, 
                   
                                                You may pay Your total unpaid balance including any accrued interest 
     Penalty Fees      
                                                and/or other charges without a penalty. 
     ?  Late Payments  Up to $35 
                                                D. We Compute the Interest Charge Using the Average Daily Balance 
         
                                                Method:  We compute the interest charge on the Account by applying the 
     ?  Dishonored Payments 
                  Up to $35                     monthly periodic rate shown to the average daily balance (including new 
                                                purchases) of the Account.  To get each day�s daily balance, we take the 
                                                Account�s balance at the beginning of the day, add any new Purchases, and 
    How We Will Calculate Your Balance:  We use a method called �Average 
                                                subtract all payments or credits.  This gives us the daily balance.  Any unpaid 
    Daily Balance� (including new purchases).  See your account agreement for 
                                                late fees, returned payment fees, or convenience fees, and any accrued and 
    more details.  
                                                unpaid interest charges are not added to the daily balance and are not part 
    Billing Rights:  Information on your rights to dispute transactions and how to  of the Average Daily Balance.   Any negative balance (a credit balance) is 
    exercise these rights is provided in your Agreement.    treated as $0.  Notwithstanding anything to the contrary above, any portion 
                                                of a balance that is repaid while subject to a grace period for interest 
    This is a consumer credit contract. 
                                                Purchases is excluded from the average daily balance and will not incur 
    This Credit Agreement (�Agreement�) is our contract with you.  Please read 
                                                interest charges.  We then add up all the daily balances for the billing cycle 
    it carefully.  In this Credit Agreement: 
                                                and divide the total by the number of days in the billing cycle, which gives 
    �Account� means the open end credit account You establish with Mid America 
                                                us the Average Daily Balance.   
    Bank & Trust Company, Dixon, MO under this Agreement. �Application� means 
                                                E. Billing Statements and Billing Error Rights:  We will provide a periodic 
    your request for credit (opening of this Account) that You signed. �Purchase� 
                                                billing statement at the end of each billing cycle in which you have account 
    means a transaction made on your Account to purchase goods or services from 
                                                activity or a credit or debit balance.  The periodic billing statement will show 
    the retailer identified in the application for this Agreement.  �We,� �us,� and �our� 
                                                your Account balance at the end of the billing cycle reflected in the statement 
    refer to Mid America Bank & Trust Company and any person to whom Bank 
                                                (�New Balance�), your Minimum Payment Due and other Account information 
    assigns this Agreement or its rights and/or obligations under the Agreement 
                                                (including transactions and charges). Information about Your right to dispute 
    (�Assignee�). �You,� �you,� Your� or �your� means every individual who signs the 
                                                transactions is included in Paragraph 22 of this Agreement.  
    Application for the Account and who is authorized to charge purchases of goods 
                                                F.  Minimum  Interest  Charges:   If  the  interest  charge  resulting  from 
    to the Account. 
                                                application of the above stated monthly periodic rate is less than $.50, we 
    1.  We May Assign Our Interest in Obligations Owed Pursuant to This 
                                                will impose a minimum finance charge of $.50.   
    Agreement: We may assign our interest in any obligations owed pursuant to the 
                                                G.  Additional Fees and Charges:   If you make an expedited payment with 
    Agreement to Tidewater Finance Company�, P. O. Box 13306, Chesapeake, 
                                                the assistance of a customer service representative, you will be charged a 
    VA 23325. Phone 1-888-413-1083, though we are not obligated to do so. We 
                                                convenience fee of $8.00, except as prohibited by applicable law.   
    may also assign the Agreement at our discretion to  any party  we choose.   
                                             4. The Amount of Your Monthly Minimum Payment: Your monthly minimum 
    Tidewater Finance Company� will service your Account on our behalf.  
                                             payment (�Minimum Payment Due�) is the greater of $75 or 7.5% of the New 
    2. Use of Account and Your Promise to Pay: Your Account is a credit line in 
                                             Balance reflected on your billing statement, but in no case will the Minimum 
    the amount of your credit limit, which will be communicated to you at the time of 
                                             Payment Due exceed $250.  We reserve the right to change your minimum 
    credit approval. You may use the Account to make Purchases in accordance with 
                                             payment requirements from time to time, subject to any notice requirements. 
    the terms of this Agreement.  Any Purchases will reduce the credit available under 
                                             5. How We Will Apply Your Payments: We will apply payments we receive in 
    the credit limit by the amount of the Purchase.  As you repay those amounts, your 
                                             the following order: first, to accrued late fees and credit service charges, next to 
    available credit will be restored by the amounts you repay (though there may be 
                                             the oldest past due minimum payment, then the next oldest past due minimum 
    a delay in restoring available credit until after we receive funds from your bank).    
                                             payment, etc.; second, to the current minimum payment due; third, to other unpaid 
    If we allow you to make Purchases that exceed your credit limit, you agree to 
                                             fees arising under this Agreement, except we will apply payments in a different 
    repay those amounts 
                                             order where required or allowed by law.   
     
                                              
     
    6.  What Happens if You Break Your Promises and Default: If you do not pay  If we or you request arbitration of a Claim, you and we will not have the right to 
    any Minimum Payment Due on time (or within 10 days of the due date in IA), or,  litigate the Claim in court.  This means:  
    to the extent not prohibited by law, if the prospect of payment or performance is  ?  there will be no judge or jury trial on the Claim;  
    significantly impaired, the Account will be in default.  Subject to any notice and  ?  no pre-arbitration discovery will be permitted except as the Rules 
    right you may have to cure the default, we may declare the entire unpaid balance  permit;  
    on the Account due and payable (except in WI you will not be in default until you  ?  you will arbitrate your Claim only - no Claim can be arbitrated on a 
    fail to make a Minimum Payment Due on two occasions within any 12-month  class or representative basis;  
    period).  If after default the Account is referred to an attorney who is not our  ?  neither we nor you will have the right to participate as a representative 
    salaried employee, you agree to pay our reasonable attorney's fees, to the extent  or member of any class of persons pertaining to any Claim being 
    not prohibited by law.  You also agree to pay reasonable collection costs and court  arbitrated; and,  
    costs incurred in collecting on this Agreement or enforcing our rights in the  ?  an arbitrator will have no power or authority to arbitrate Claims of 
    Agreement, to the extent not prohibited by law.  Notwithstanding anything to the 
                                                  multiple persons simultaneously or in conjunction with one another.   
    contrary above:  Utah residents:  Collection Fees and Rights Upon Default:  You 
                                             Generally, an arbitrator's decision is final and binding.  Other rights you would 
    understand and accept that if you fail to pay your account by the scheduled due 
                                             have in court may not be available in arbitration. Neither you nor we waive the 
    date, We may refer your delinquent account to an attorney or a third party 
                                             right to arbitrate by filing suit until a final judgment is rendered. 
    collection agency to collect what you owe, and you are responsible for paying  
                                             Arbitration hearings will take place in the federal judicial district in which you 
    the attorney fees or third party collection agency fees which may be based on a 
                                             reside.  If you ask us in writing, we will temporarily advance you the filing, 
    percentage at a maximum of 40 percent (40%) of your delinquent account, 
                                             administrative, and hearing fees for the arbitration of your Claim against us (but 
    together with all costs and expenses.  Attorney Fees available to Non-Defaulting 
                                             not if the Claim is against you) in excess of any filing fee you would have had to 
    Party:  In the event either party defaults in any of the terms or provisions of this 
                                             pay to file the Claim in a state or federal court (whichever is less) in the judicial 
    Agreement, the non-defaulting party shall be entitled to recover its, his or her,  district in which you reside.  The arbitrator will decide if you have to repay the 
    reasonable attorney�s fees, whether or not suit is commenced or final judgment is  advance.  If you must repay, you agree to do so. The arbitrator may make other 
    obtained.                                rulings regarding your and our payment of filing, administrative, and hearing fees 
    New  Hampshire  residents:  If  you  successfully  assert  a  partial  defense  or  as required by law or necessary to assure that this Paragraph 8 is enforceable. 
    counterclaim, the court may withhold part or all of any attorney's fees to which we  Unless unlawful, you and we will each pay our own lawyers', experts' and witness 
    may be entitled. Texas Residents:  If you are in default, we may require you to  fees in all situations related to arbitration.  
    repay the entire unpaid principal balance, and any accrued interest at once.   You 
                                             Paragraph 8 is governed by the Federal Arbitration Act (�FAA�).  The arbitrator 
    agree that we do not have to give you notice that we are demanding or intend to 
                                             will apply substantive law consistent with the FAA.  The arbitrator will apply all 
    demand immediate payment of all that you owe.  
                                             applicable limitations periods and will honor all valid privilege and work-product 
    7. How You Must Contact Us If You Try to Settle the Account for Less Than 
                                             claims.  If the Rules and Paragraph 8 conflict, Paragraph 8 governs.  Either you 
    the  Total  Unpaid  Balance:  All  communications  about  disputed  amounts, 
                                             or we may enter judgment on the arbitrator's award in any court with jurisdiction.  
    including any check or other payment instrument in any amount less than the total 
                                             The arbitrator's decision will be final and binding, except for any appeal right under 
    unpaid balance that is marked �paid in full,� any payment tendered with conditions 
                                             the FAA.  Unless otherwise ordered by the arbitrator, the appealing party will pay 
    or limitations, or that you otherwise tender as full satisfaction of a disputed 
                                             appeal costs. 
    amount, must be directed to customer service at our street address shown on 
                                             You may opt out of this Paragraph 8 by sending a notice of your election to 
    your monthly statement.  We will not lose any of our rights by depositing such a 
                                             do so to Tidewater Finance Company�, P.O. Box 13306, Chesapeake, VA 
    payment. See Paragraph 16. 
                                             23325-3306.  The election to opt out must be signed by all persons obligated 
    8. Arbitration of Disputes-No Jury Trials or Class Actions: This paragraph  on the account and postmarked no later than 10 days from the date of this 
    will  not  apply  if  You  are  protected  by  the  Military  Lending  Act.   This  Agreement. 
    paragraph describes Claims that will be arbitrated instead of litigated in court.    9. What You Agree to Pay if a Payment Is Dishonored: If you use a check 
    Claims include, but are not limited to, disputes, rights, actions and claims between  or electronic payment to make payment on the Account and it is returned or 
    you and us which preceded or directly or indirectly arose from this Agreement or  dishonored for any reason, including insufficient funds, we may impose a fee of 
    the relationship between you and us involving this Agreement.  You and we agree  $26 that will be charged to the Account, except that if a payment is returned or 
    to arbitrate all Claims in any way related to the formation, interpretation, execution, 
                                             dishonored again within six billing cycles of a prior return or dishonor, you will 
    performance and enforcement of this Agreement. 
                                             be charged $35.  However, the amount of the fee will not exceed the amount of 
    Claims to be arbitrated include:  
                                             the required minimum periodic payment due immediately prior to assessment 
      ?  tort claims, whether unintentional, intentional, negligent or grossly  of the fee. 
         negligent;                          10. What You Agree to Pay if Your Payment is Late: If we do not receive a 
      ?  express or implied contract claims;   monthly minimum payment within 10 days of its due date, we will impose a late 
      ?  claims based directly or indirectly on the Uniform Commercial Code or  fee in the amount of $26, except that if you are late again within six billing cycles 
         other state law or regulation;      of a prior violation, you will be charged $35.  However, the late fee will not exceed 
      ?  claims arising in whole or in part from a federal statute, including the  the amount of the returned minimum periodic payment due immediately prior to 
         Truth-in-Lending  Act,  Fair  Credit  Reporting  Act,  Equal  Credit  assessment of the late fee.      
         Opportunity Act, FTC Act, or the Consumer Financial Protection Act of  11. How We May Cancel or Limit Your Credit: We have the right at any time to 
         2010; and                           limit or terminate the use of the Account and increase  or  reduce the credit limit 
      ?  claims regarding this agreement to arbitrate, including whether it is  without giving you advance notice, except to the extent prohibited by applicable 
         void, voidable, a contract of adhesion, fails for lack of consideration, is  law.  If our authorization system is not working, we may be unable to authorize a 
         procedurally or substantively unconscionable, or is contrary to public  transaction even if you have sufficient available credit.  We will not be liable to 
         policy.                             you if this happens.  We are not responsible for the refusal of anyone to accept or 
    You and we agree that an arbitrator, not a federal or state court, regulatory agency  honor an additional Purchase on the Account.  If you close the Account, you 
    or public or private mediator, has the exclusive authority to resolve all Claims.  remain responsible for any unpaid balance.   
    You or we may elect that a Claim be resolved by arbitration.  If we elect to require  12. How The Account May Be Closed If It Is Not Used: We will treat the Account 
    that a Claim be resolved by arbitration but you do not exercise your right to elect  as voluntarily closed if: (1) It has a zero balance; and (2) You do not use any of 
    that the Claim be arbitrated, the Claim will be arbitrated. If neither we nor you elect  its available credit within 12 months of the balance reaching zero (18 months in 
    arbitration, the Claim will not be resolved by arbitration but will be litigated in court.   CA).  
    All arbitration under this Paragraph 8 will be by and under the rules (the �Rules�)   13.  We  May  Change  this  Agreement:  We  may  change  any  term  of  this 
    of the American Arbitration Association (�AAA�) in effect when the Claim is made.   Agreement,  including  the  Annual  Percentage  Rate  of  interest  charges,  by 
    We will substitute another nationally recognized arbitration organization using  furnishing you any notice of the change required by law and, if required, an 
    procedures similar to the Rules if AAA does not serve or if you ask us to.  For the  opportunity to reject the change.  If permitted by law, we may apply any new terms 
    AAA Rules currently in effect, call AAA at 800-925-0155 or visit its website  to existing Account balances and later transactions. 
    (http://www.adr.org).                    14. We May Investigate and Report Your Credit: You authorize us to investigate 
                                             your credit history by obtaining credit reports and making direct inquiries of 
    businesses including, but not limited to where you have accounts, places where  fees imposed upon default are limited to 20% of the principal balance and 
    you work(ed), and your landlord(s).  We may request credit reports from credit  interest outstanding.  In addition, we will not accelerate the balance solely on the 
    reporting agencies to consider your Application and in connection with updates,  basis that we deem ourselves to be insecure. 
    renewals, extensions of additional credit or collection of the Account.  If you  New York Residents:   New York residents may contact the New York state department 
    request, we will tell you if a credit report was requested and the name and address  of financial services by telephone or visit its website for free information on comparative 
    of the credit reporting agency that furnished the report.  You also authorize us to  credit card rates, fees, and grace periods.  Call 1-800-342-3736 or visit www.dfs.ny.gov.   
    report your performance under this Agreement to credit reporting agencies, and  NOTICE TO THE CONSUMER:  1. Do not sign this credit agreement before 
    others who may legally receive such information.  Important Information About  you read it or if it contains any blank space.  2. You are entitled to a 
    Credit Reporting: We may report information about your account to credit  completely filled in copy of this credit Agreement.  . 
    bureaus.  Late  payments,  missed  payments,  or  other  defaults  on  your  South  Carolina  Residents:  The arbitration provision in this Note  is not 
    account may be reflected in your credit report.  governed by the South Carolina Uniform Arbitration Act. 
    15. How You May Dispute the Accuracy of Credit Information We Report  Texas Residents: This written loan agreement represents the final agreement 
    About You: If you believe we have reported inaccurate information about you to  between the parties and may not be contradicted by evidence of prior, 
    a credit reporting agency, please contact us though our servicer, Tidewater  contemporaneous, or subsequent oral agreements of the parties. There are 
    Finance Company�, at P.O. Box 13306, Chesapeake, VA 23325-3306.  When  no unwritten oral agreements between the parties. 
    you contact us, identify the information in question, tell us why you believe it is  Utah Residents: As required by Utah law, you are hereby notified that a 
    inaccurate, and provide any documentation that supports your belief.  If you have  negative credit report reflecting on your credit record may be submitted to 
    a credit report that includes the information that you believe is inaccurate, send a  a credit reporting agency if you fail to fulfill the terms of  your credit 
    copy of that report to assist our investigation.  obligations. 
    16. We Do Not Waive Our Rights: You agree we have the right to delay or refrain  West Virginia Residents: The provisions of this Agreement that purport to require 
    from enforcing our rights under this Agreement without  waiving them.  For  you to pay attorneys� fees and collection costs are void.   
    example, and without limitation, we may extend the time you have to make a  For Married Wisconsin Residents:  You agree that this obligation is or will be 
    payment without extending the time to make other payment(s); we may accept  incurred in the interest of the marriage or the family.  
    postdated checks, payments tendered with conditions or limitations and accept   
    late or partial payments without waiving our right to demand that future payments  NOTICE:  You consent to us and any servicer of the Account placing calls 
    be made in full when they are due; and we may forgive a particular charge or fee  and sending text and email messages regarding the Account to any phone 
    without waiving our right to impose that charge or fee in the future.  We will not be  number or email address now or in the future associated with you, that 
    liable for depositing postdated checks you may send.    wireless service providers may charge you for such communications, and 
    17. We May Monitor and/or Record Telephone Calls: To assure that you  you consent to our use of prerecorded or artificial voice messages and 
    receive the best possible customer service and that our employees comply with  automatic dialing devices for such communications.  You further agree that 
    the law and our policies, you agree that telephone calls may be recorded or  for  Application  and  collection  purposes,  we  may  contact  your  employer, 
    listened to by us.                       landlord, references and relatives to verify your employment, residence, or 
    18. You Must Notify Us When Your Address Changes: You agree to promptly  location unless prohibited by law. 
    notify us in writing of your new address if you move or change your mailing   
    address.  Until you give us notice of a new address, we may send monthly  Patriot Act Notice:  Federal law requires all financial institutions to obtain, 
    statements  and  other  notices  to  the  address  we  have  on  record  for   verify and record information that identifies each person who opens an 
    the Account.                             account,  including  your  name,  address,  date  of  birth  and  other 
    19. What Law Governs This Agreement: This Agreement will be construed,  information that will allow us to verify your identity.  
    applied, and governed by federal law, and to the extent not preempted by federal   
                                              
    law, the laws of the State of Missouri (pursuant to Missouri Revised Statute 
                                             NOTICE:  ANY HOLDER OF THIS CONSUMER CREDIT AGREEMENT IS 
    408.145,  we  rely  on  Nebraska  law  for  rates  and  fees  imposed  under  this 
                                             SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD 
    Agreement).  Our ability to collect attorneys� fees, collection and court costs will 
                                             ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED 
    be governed by the law of your state of residence.    The Agreement is the final 
                                             WITH  THE  PROCEEDS  HEREOF.   RECOVERY  HEREUNDER  BY  THE 
    expression of the credit agreement between the parties and it may  not be 
                                             DEBTOR  SHALL  NOT  EXCEED  AMOUNTS  PAID  BY  THE  DEBTOR 
    contradicted by evidence of an alleged oral agreement.  
                                             HEREUNDER. 
    20. When This Agreement Becomes Effective: This Agreement is not effective   
    until we approve your Application and you or someone authorized by you signs   
    an invoice or otherwise charges a purchase to the Account.  22. YOUR BILLING RIGHTS 
    21. Additional Federal and State Law Disclosures:   KEEP THIS NOTICE FOR FUTURE USE 
    Delaware Residents:  You may pay the outstanding balance of your Account in full  This notice tells you about your rights and our responsibilities under the Fair Credit 
    at any time without penalty.  Service charges not in excess of those permitted by law  Billing Act. 
    will be charged on the outstanding balances from month to month.    What To Do If You Find A Mistake On Your Statement 
    Iowa Residents: This is a consumer credit transaction.  If you think there is an error on your monthly statement, write to us at the address 
    Maryland Residents: This Agreement is governed by Subtitle 9, Title 12 of the  listed on your statement. In your letter, give us the following information: 
    Maryland Commercial Law Article.         ?  Account information: Your name and Account number. 
    Missouri Residents: Oral agreements or commitments to loan money,  ?  Dollar amount: The dollar amount of the suspected error. 
    extend credit or to forbear from enforcing repayment of a debt including  ?  Description of problem: If you think there is an error on your monthly 
    promises to extend or renew such debt are not enforceable. To protect you  statement, describe what you believe is wrong and why you believe it is a 
    (borrower(s)) and us (creditor) from misunderstanding or disappointment,  mistake. 
    any agreements we reach covering such matters are contained in this  You must contact us: 
    writing, which is the complete and exclusive statement of the agreement 
                                             ?  Within 60 days after the error appeared on your monthly statement. 
    between us, except as we may later agree in writing to modify it.  
                                             ?  At least 3 business days before an automated payment is scheduled, if you 
    New Hampshire Residents: You will be entitled to reasonable attorney's 
                                                want to stop payment on the amount you think is wrong. 
    fees if you prevail in any action, suit or proceeding brought by you or us.    
                                             ?  You must notify us of any potential errors in writing. You may call us, but if 
    If you successfully assert a partial defense or set-off, recoupment or 
                                                you do we are not required to investigate any potential errors and you many 
    counterclaim to an action brought by us, the court may withhold from us 
                                                have to pay the amount in question. 
    the entire amount or such portion of the attorney fees as the court 
                                              
    considers equitable. 
                                             What Will Happen After We Receive Your Letter. 
    New Jersey Residents:  This agreement applies to residents of multiple states, 
                                             When we receive your letter, we must do two things: 
    and  certain  provisions  in  this  agreement  may  be  void,  unenforceable  or 
                                             1.  Within 30 days of receiving your letter, we must tell you that we received 
    inapplicable to residents in states other than New Jersey.  None of these 
                                                your letter. We will also tell you if we have already corrected the error. 
    provisions  are  void,  unenforceable  or  inapplicable  to  New  Jersey 
    residents.  However, please note that, if you reside in New Jersey, any collection 
    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 is 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 monthly statement is wrong, 
    you must write to us within 10 days telling us that you still refuse to pay. If you do 
    so, we cannot report you as delinquent without also reporting that you are 
    questioning your 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 
    account 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:  
               Tidewater Finance Company� 
                  P.O. Box 13306 
               Chesapeake, VA 23325-3306, 
    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.