Click�here�to�print
     ���Form�#�350BFTNGE11�valid�from�03.31.2016�thru�07.27.2016
                                           �
                                      Terms & Conditions
      TRUTH IN LENDING DISCLOSURE The�information�about�the�costs�of�the�card�described�in�this�application�is�accurate�as�of�March�2016.� This
      information�may�have�changed�after�that�date.� To�find�out�what�may�have�changed,�call�us�at�877�486�3442 or�write�to:�HC�Processing�Center,�PO
      Box�829,�Springdale,�AR�72765�0829.
     �
        Interest Rates and Interest Charges
        Annual Percentage Rate (APR)
                             29.99%
        for Purchases
                             �
        How to Avoid Paying Interest Your�due�date�is�at�least�25�days�after�the�close�of�each�billing�cycle.�We�will�not�charge�you�any
        on Purchases         interest�on�purchases�if�you�pay�your�entire�balance�by�the�due�date�and�no�Previous�Balance
                             existed.
        Minimum Interest Charge If�you�are�charged�interest,�the�charge�will�be�no�less�than�$2.00.
        For Credit Card Tips from the To learn more about factors to consider when applying for or using a credit card, visit
        Consumer Financial   the website of the Consumer Financial Protection Bureau at
        Protection Bureau    www.consumerfinance.gov/learnmore
        Fees
        Annual Fee           None
        Penalty Fees:        �
            ?����������Late�Fee Up�to�$37
            ?����������Returned�Payment�Fee $27
      �
      How We Calculate Your Balance Subject to Interest Rate: We�use�a�method�called��Daily�Balance�(Including�Current�Transactions)�.�See�your�account
      agreement�for�more�details.
      Billing Rights: Information�on�your�rights�to�dispute�transactions�and�how�to�exercise�those�rights�is�provided�in�your�account�agreement.
     �
                                   CARDHOLDER AGREEMENT
      This�Cardholder�Agreement�contains�the�general�terms�and�conditions�that�will�govern�your�credit�card�account�(the��Account�),�and�the�credit�card� we
      issue�for�Account�access�(the��Card�),�if�we�approve�your�application�for�an�Account.�The�Account�application�you�signed�or�otherwise�submitted� to�us
      (including�its�federal�and�state�notices),�and�any�written�materials�we�may�provide�with�your�Card�or�as�a�supplement�or�amendment�to�this� Cardholder
      Agreement,�are�part�of�and�incorporated�into�this�Cardholder�Agreement�by�reference�(together,�our��Agreement��with�you).
     �
      In�this�Agreement,�the�words�"you"�and�"your"�mean�each�applicant�(as�an�individual)�and�all�applicants�(as�a�group)�shown�on�the�Account� application,
      and�anyone�else�you�authorize�or�permit�to�use�your�Account.�The�words�"we,"�"us,"�and�"our,"�mean�First Electronic Bank,�the�financial� institution�that
      provides�the�Account�and�issues�the�Cards,�and�its�assigns�and�successors.�When�the�Agreement�states�that�we��may��take
      an�action,�this�means�that�we�are�allowed�and�have�the�sole�discretion�to�take�that�action,�subject�only�to�any�limitations�or�notices�expressly��� required
      by�law�or�this�Agreement.�You accept and agree to be bound by all terms and conditions in this Agreement, including its arbitration
      provision, the first time any of you use your Account.
     �
      Oral� agreements� or� commitments� to� loan� money,� extend� credit� or� to� forbear� from� enforcing� repayment� of� a� debt,� including� promises� to� extend� or
      review�such�debt,�are�not�enforceable.� To�protect�you�(borrower(s))�and�us�(creditor)�from�misunderstanding�or� disappointment,� any� agreements� we
      reach�covering�such�matters�are�contained�in�this�writing,�which�is�the�complete�and�exclusive�statement�of�the�agreement�between�us,�except�as�we� may
      later�agree�in�writing�to�modify�it.
     �
      1.���USE OF CARD: Subject�to�the�terms�and�conditions�in�this�Agreement,�you�may�use�your�Account�to�purchase�goods�and�services�from�the
      merchants�and�providers�(each,�a��Participant�)�that�have�agreed�to�participate�in�the�credit�card�program�we�provide�with�assistance�from�Dent�A�
      Med,�Inc.�d/b/a�HC�Processing�Center.�Before�you�attempt�or�agree�to�use�the�Account�and�Card�to�purchase�any�goods�or�services�on�credit�from�a
      Participant,�you�must�notify�the�Participant�that�you�intend�to�charge�your�purchase�to�your�Card�and�obtain�the�Participant�s�approval�for�the�Card
      purchase.�We�will�not�extend�Account�credit�to�you�for�any�purchase,�unless�you�notified�and�obtained�approval�from�a�Participant�for�that�purchase.� We
      will�not�be�liable�to�you�if�a�Participant�or�any�merchant�refuses�to�honor�your�Account�and�Card�for�any�purchase.�The�Participant�will�prepare� and
      submit�a�charge�slip�to�us�for�Account�purchases�or�submit�an�Account�charge�to�us�electronically�for�payment.
     �
      2.���ACCOUNT BILLING STATEMENTS AND NOTICES? ADDRESS ON FILE: If�you�have�a�credit�or�debit�balance�on�the�Account�of�$1�or�more�at
      the�end�of�any�billing�period,�we�will�send�a�periodic�Account�statement�(a��bill�)�showing�what�you�owe�us�as�of�the�end�of�that�billing�period.�We�may�not
      send�you�a�bill,�however,�if�we�have�decided�your�Account�is�uncollectible,�if�we�have�sent�the�Account�for�collection�proceedings�against� you,�or�if�the�law
      does�not�require�or�permit�us�to�send�the�bill.�The�billing�period�is�the�fixed�period�of�time�covered�by�the�bill�we�send�you.�Each�bill� that�we�send�will
      identify�the�billing�period�that�it�covers.�The�bill�will�show�your�new�charges,�including�interest�and�fees,�and�any�payments�that� posted�to�your�Account
      during�that�period.�It�will�also�show�you�the�minimum�payment�you�must�make�to�us�by�the�due�date�shown�on�the�bill.�You� agree�to�examine�each�bill
      and�notify�us�immediately�of�any�item�you�may�dispute.�The�billing�error�rights�notice�in�this�Agreement�and�on�your�bills� provide�more�information�about
      how�you�may�notify�us�about�any�disputed�items�or�billing�errors.�We�will�mail�or�deliver�your�bill�only�to�one�address.
      If�your�Account�is�a�joint�Account�or�more�than�one�person�is�permitted�to�use�the�Account,�you�agree�that�we�may�send�all�Account�bills�and�other
      Account�notices�solely�to�your�address�on�file,�as�shown�in�our�billing�records.�Your�address�on�file�is�the�address�you�provided�in�your�Account
      application,�unless:� (a)�we�have�received�and�processed�a�notice�of�a�change�in�address�that�you�provided�in�accordance�with�this�Agreement�or� your
      most�recent�bill?�or�(b)�we�are�notified�by�the�U.S.�Postal�Service�of�an�address�correction�for�you�and�we�decide,�in�good�faith,�to�rely�on�the� address
      correction�notice�we�receive�from�the�Postal�Service.�You�agree�to�notify�us�immediately�of�any�change�in�your�mailing�address,�telephone� numbers,�or
      other�contact�information,�such�as�your�email�addresses.
     �
      3.���BALANCE CATEGORIES: We�put�each�charge�on�your�Account,�including�interest�and�fees,�into�a�balance�category.�We�use�the�different
      balances�to�calculate�the�correct�interest�charges�on�your�Account.�If�any�type�of�charge�is�subject�to�a�separate�promotional�interest�rate,�deferred
      interest,�and/or�reduced�or�deferred�payment�requirements�(each,�a��Promotional�Balance�),�we�will�put�the�Promotional�Balance�into�a�separate
      balance�for�the�time�period�you�qualify�for�the�special�promotional�terms�(�Promotional�Terms�).
     �
      4.����AUTHORIZED USERS AND AUTHORIZED CHARGES: If�you�give�your�Card�or�Account�number�to�another�person,�he�or�she�is�an�authorized
      user.�In�addition,�if�we�agree�to�issue�a�Card�on�this�Account�to�another�person�at�your�request,�he�or�she�is�an�authorized�user.�An�authorized�charge� is
      any�charge�you�or�any�authorized�user�makes�on�the�Account,�and�any�fees�and�interest�charges�owing�on�the�Account.�Any�charge�made
      by�an�authorized�user�is�an�authorized�charge.�This�is�true�even�if�you�told�the�authorized�user�not�to�make�that�specific�charge.�A�charge�will�still�be
      authorized,�even�if�it�causes�your�Account�to�exceed�its�credit�limit,�is�an�illegal�transaction,�or�is�made�after�your�Account�is�closed.�An�authorized� charge
      can�be�made�over�the�telephone,�in�person,�on�the�Internet,�or�in�any�other�way�your�Account�can�be�used.
     �
      5.���PAYMENTS:
     �
      A.����Promise�to�Pay: You�agree�to�pay�all�authorized�charges�on�each�bill,�including�interest�and�fees.�You�agree�to�pay�us�for�any�charges�that�we
      allow�over�your�Account�credit�limit.�You�promise�to�pay�at�least�the�minimum�payment�by�the�due�date�shown�on�each�bill.
     �
      B.����Payment�Due�Date?�Payment�Requirements:�The�due�date�is�the�date�by�which�we�must�receive�your�payment�for�it�to�be�on�time.�Your�bill�lists
      the�due�date,�which�will�fall�on�the�same�calendar�day�of�the�month.�Your�due�date�will�be�at�least�21�days�from�the�date�we�send�you�the�bill�and�at� least
      25�days�from�the�end�of�the�most�recently�ended�billing�period.�To�be�on�time,�we�must�receive�your�payment�on�or�before�the�due�date�at�the� place�and
      by�the�time�stated�on�your�bill.�Unless�a�bill�states�a�different�place�for�payments,�your�payments�must�be�sent�to:� HC�Processing�Center,
      P.O.�Box�268808,�Oklahoma�City�,�OK�73126�(regular�mail)?�or�HC�Processing�Center,�203�E.�Emma�Ave.,�Suite�A,�Springdale,�AR�72764�4625
      (overnight�courier).�Unless�a�bill�states�a�different�time,�your�payment�is�on�time�if�we�receive�it�by�5:00�p.m.�Central�Time�on�the�due�date.�This�5:00
      p.m.�deadline�is�measured�by�the�time�zone�in�which�we�receive�the�payment,�which�may�not�be�your�time�zone.�If�we�do�not�receive�or�accept
      payments�by�mail�on�the�due�date,�your�payment�will�be�on�time�if�it�is�received�by�the�next�day�that�we�accept�or�receive�payments�by�mail.
     �
      You�must�pay�in�U.S.�dollars.�You�must�not�pay�in�cash,�unless�you�pay�in�person�at�one�of�our�branches.�Except�for�payments�you�make�in�cash�at� one�of
      our�branches,�your�payment�must�be�drawn�on�a�U.S.�deposit�account�or�by�a�cashier�s�check�drawn�on�a�U.S.�bank�or�a�foreign�bank�branch� in�the�U.S.
      You�must�not�attach�or�include�any�restrictive�language�to�your�payment.�Any check or money order you send that has restrictive  words,
      conditions, limitations, or special instructions to us, including those marked with the words �paid in full� or similar language, must  be
      mailed to: HC Processing Center, P.O. Box 829, Springdale, AR 72765�0829.�If�you�make�payment�in�a�paper�form�(such�as�a�check,�money� order,
      or�cashier�s�check),�you�must�include�the�payment�coupon�from�your�bill�or�write�your�Account�number�on�the�payment.�If�we�decide,�in�our� discretion,�to
      accept�a�form�of�payment�that�does�not�meet�these�payment�instructions,�you�agree�that�we�are�not�waiving�our�right�to�require�you�to� make�or�continue
      making�payments�that�comply�with�these�instructions�and�are�otherwise�required�by�the�Agreement.�The�credit�available�on�your� Account�will�be�increased
      by�the�amount�of�your�payment�within�14�days�after�we�receive�your�payment.
     �
      C.�����Minimum�Payment: The�bill�we�send�to�you�will�state�your�due�date�and�the�minimum�amount�you�must�pay�by�that�due�date�(your��minimum
      payment��or�the��minimum�payment�due��in�this�Agreement�and�on�your�bill).�If�you�do�not�pay�the�minimum�payment�by�its�due�date,�we�may�charge� you
      a�late�payment�fee.�You�will�also�be�in�breach�of�this�Agreement.�You�may�pay�all�or�part�of�your�Account�balance�at�any�time.�However,�for�each� bill,�you
      must�pay�at�least�the�minimum�payment�by�the�due�date�stated�on�the�bill.�If�any�Promotional�Terms�apply�that�modify�the�payment� requirements�with
      respect�to�a�Promotional�Balance,�then�those�Promotional�Terms�will�explain�how�we�determine�the�minimum�payment�due�with� respect�to�these
      Promotional�Balances.
     �
      As�of�the�end�of�the�billing�period�covered�by�the�bill,�we�start�by�determining�the�amount�that�is�the�greater�of:� (i)�the�full�unpaid�balance�of�your
      Account�(the��New�Balance�),�if�this�New�Balance�is�less�than�$25.00?�(ii)�$25.00,�if�the�New�Balance�is�at�least�$25.00?�(iii)�3.5%�of�the�New�Balance
      (excluding�any�Promotional�Balances�whose�Promotional�Terms�make�those�Promotional�Balances�subject�to�different�payment�requirements)?�or�(iv)�the
      sum�of�1.0%�of�the�New�Balance�(excluding�any�Promotional�Balances�whose�Promotional�Terms�make�those�Promotional�Balances�subject�to�different
      payment�requirements),�plus�all�interest�charges,�late�payment�fees,�and�returned�payment�fees�then�due�for�the�Account.�Then,�we�determine�the
      minimum�payment�due�for�any�Promotional�Balances�whose�Promotional�Terms�modify�the�payment�requirements�for�these�Promotional�Balances.
      Then,�we�determine�whether�there�are�any�Account�payments�that�are�past�due�or�balances�that�exceed�the�credit�limit�of�your�Account.�Finally,�we
      calculate�your�minimum�payment�due�by�adding�together�all�of�the�amounts�described�in�this�paragraph�and�rounding�the�result�up�to�the�nearest
      whole�dollar.�If�you�pay�more�than�the�minimum�payment�due�after�the�end�of�any�billing�period,�you�must�still�pay�at�least�the�minimum�payment�due
      after�the�end�of�each�billing�period�after�that.
     �
      D.�����Payment�Allocation: We�choose�which�Account�balances�to�pay�with�your�minimum�payment.�We�generally�apply�payments�above�the�minimum
      payment�to�balances�with�the�highest�APRs�first,�except�that�we�may�apply�the�part�of�your�payment�that�exceeds�the�minimum�payment�first�to�any
      deferred�interest�balances�during�the�last�two�billing�periods�of�a�deferred�interest�period.
      �
      6.����TYPES OF CHARGES: There�are�two�types�of�charges�or��Plans��under�your�Account:�you�may�make�a�purchase�on�(a)�the�Regular�Plan�or�(b)� a
      Promotional�Plan.�The�standard�provisions�of�this�Agreement�apply�to�all�Promotional�Plan�transactions�unless�otherwise�specified�prior�to�or�at�the� time�of
      purchase�under�a�particular�Promotional�Plan�offering,�and�will�continue�to�apply�to�any�and�all�transactions�that�are�not�subject�to�a� Promotional�Plan.
      The�following�Promotional�Plan�may�be�offered�from�time�to�time�as�specified�prior�to�or�at�the�time�of�purchase:�Deferred�Interest� Monthly�Payment�Plan
      ��If�you�pay�the�full�cash�sales�price�of�the�purchase�by�the�promotional�due�date,�as�indicated�on�your�billing�statement,�and� pay�the�Minimum�Payment
      Due�when�due�each�billing�cycle,�as�indicated�on�your�billing�statement,�no�interest�charges�will�be�imposed�on�the� purchase.�If�such�payments�are�not�so
      made,�interest�charges�will�be�imposed�from�the�purchase�date.
     �
      7.����INTEREST RATES AND INTEREST CHARGES:
     �
      A.����APRs�Applied�to�Different�Balances: The��annual�percentage�rate��or��APR��is�an�annualized�interest�rate.�We�use�the�APR�that�applies�to
      each�balance�to�calculate�the�interest�charges�that�you�owe�us�on�the�Account.�Different�APRs�may�apply�to�different�balances�on�your�Account,� such
      as�purchases�subject�to�the�standard�APR�and�any�qualifying�purchases�we�may�allow�you�to�make�subject�to�deferred�interest�or�a� promotional�APR.
     �
      B.�����Variable�APRs: None�of�your�Account�APRs�are�variable,�unless�we�specifically�state�that�a�variable�APR�applies�in�connection�with�a�deferred
      interest�or�promotional�APR�program.�Variable�APRs�increase�or�decrease�based�on�changes�in�the�Prime�Rate.�For�the�Prime�Rate,�we�use�the
      U.S.�Prime�Rate�that�The�Wall�Street�Journal�publishes�on�the�Friday�that�follows�the�last�Thursday�of�each�month�(the��Determination�Date�).�If�The
      Wall�Street�Journal�no�longer�publishes�a�prime�rate,�we�will�use�a�similar�published�rate�that�we�choose�as�a�substitute.�Any�increase�or�decrease�to�a
      variable�APR�based�on�a�change�in�the�Prime�Rate�will�apply�to�your�Account�balances�and�purchases�as�of�the�first�day�of�the�billing�period�that
      begins�after�a�Determination�Date.�Any�increase�in�an�APR�that�applies�to�your�Account�may�cause�an�increase�to�your�minimum�required�monthly
      payment.
     �
      C.�����Standard�APR: Currently,�the�standard�APR�of�29.99%�applies�to�your�account�(corresponding�to�a�Daily�Periodic�Rate�of�0.082164%).
     �
      D.�����Use�of�Daily�Balance�Method�With�Compounding: We�calculate�the�interest�charges�for�each�balance�of�your�account�by�applying�the��daily
      periodic�rate��for�that�balance�to�the��daily�balance��of�that�balance.�We�do�this�for�each�day�in�the�billing�period�and�add�together�the�resulting� interest
      charges.�That�gives�us�the�total�interest�charges�for�that�balance�for�that�billing�period.�You�agree�that�we�may�round�interest�charges�to�the� nearest�cent.
     �
      The��daily�periodic�rate��is�a�daily�interest�rate.�The�daily�periodic�rate�for�a�given�balance�is�equal�to�the�APR�for�that�balance�divided�by�365.
     �
      We�calculate�the��daily�balance��for�each�balance.�We�do�this�by�starting�with�the�beginning�amount�of�that�balance�for�each�day.�We�add�any�new
      purchases�and�Account�fees�for�that�day,�add�any�interest�on�the�previous�daily�balance�if�there�is�one�in�that�billing�period,�and�subtract�any� payments�or
      credits.�This�gives�us�the��daily�balance.��The�addition�of�the�prior�day�s�interest�to�the�daily�balance�calculation�causes�interest�to� compound�daily.�We
      add�all�Account�fees�and�minimum�interest�charges�to�the�daily�balance�of�purchases�subject�to�the�standard�APR.�Any�daily� balance�that�is�less�than�zero
      will�be�treated�as�zero.�Each��Balance�Subject�to�Interest�Rate��shown�on�your�bill�will�be�an�average�of�the�daily� balances�during�the�billing�period�for
      that�balance.
     �
      E.����When�Interest�Charges�Begin?�Grace�Period: The��New�Balance��of�your�Account�is�the�full�unpaid�balance�of�your�Account�that�is�outstanding� as
      of�the�end�of�each�billing�period�covered�by�each�bill.�As�long�as�you�continue�to�pay�the�New�Balance�every�month�by�the�due�date�listed�on�your� bill,�there
      will�be�a�grace�period�on�your�Account�purchases�and�we�will�not�charge�interest�on�those�purchases.�If�you�do�not�pay�by�the�due�date�the� New�Balance
      that�is�outstanding�as�of�the�end�of�a�given�billing�period,�there�will�be�no�grace�period�and�you�will�owe�interest�on�the�unpaid�Account� balances�from�the
      end�of�that�billing�period.�After�the�end�of�that�billing�period,�all�charges�will�accrue�interest�from�the�date�they�were�made.�To�take� advantage�of�the�grace
      period�again,�you�must�pay�your�New�Balance�in�full,�make�no�new�purchases,�and�pay�on�time�for�as�much�as�two�billing� periods�in�a�row.
     �
      F.����Minimum�Interest�Charges: You�must�pay�a�minimum�of�$2.00�of�interest�after�any�billing�period�in�which�you�owe�any�interest�charges.
     �
      8.���FEES:
     �
      A.���Annual�Fee: None
      �
      B.���Credit�Limit�Increase�Fee:� We�will�charge�a�$29.00�fee�to�your�Account�if�we�process�your�request�for�an�increase�to�your�Account�credit�limit.
     �
      C.���Returned�Payment�Fee:� If�your�payment�is�returned�unpaid�to�us�for�any�reason,�we�will�charge�a�$27.00�returned�payment�fee�to�your�Account.
     �
      D.���Late�Payment�Fee:�If�you�do�not�pay�at�least�the�minimum�payment�due�by�its�due�date,�we�will�charge�a�$27.00�late�payment�fee�to�your� Account.
      If�you�do�not�pay�the�minimum�payments�due�by�their�due�dates�more�than�once�during�any�six�month�period,�we�will�charge�a�$37.00�late� payment�fee
      to�your�Account.�After�that,�your�late�payment�fee�will�not�return�to�$27.00,�until�you�make�at�least�the�minimum�payment�due�by�its�due� date�for�six
      consecutive�months.
     �
      �
     �
      E.���Additional�Account�Fees: We�will�charge�additional�fees�to�your�Account�for�certain�services�that�you�may�request�in�connection�with�your
      Account.�The�additional�fees�we�may�charge�to�your�Account�for�Account�services�include,�but�are�not�limited�to,�the�following:�a�$10.00�per�page�fee�for
      copies�of�documents� unrelated�to�a�billing�error?�a�$5.00�fee�to�issue�a�replacement�Card?�a�$19.95�expedited�payment�fee�each�time�you�request
      expedited�assistance� from�our�live�customer�service�representative�or�agent�to�make�an�automated�payment�of�your�Account?�and�a�$15.00� expedited
      service�fee�each�time�you�request�expedited�assistance�from�us�for�reasons�other�than�completing�an�Account�payment�(for�example,�to� request�an
      Account�balance�or�payoff�letter�from�us�within�three�business�days).�You�may�contact�us�at�877�486�3442�at�any�time�with�questions� about�these�and
      other�Account�services,�or�to�request�a�schedule�of�other�Account�fees�that�we�may�require�for�particular�services�that�are�not�listed� here.
     �
      9.���CREDIT LIMIT: We�will�establish�a�credit�limit�for�your�Account.�You�agree�that�you�will�not�use�or�permit�others�to�use�your�Account�to�obtain� credit
      if�it�would�cause�the�outstanding�balance�of�your�Account�to�exceed�its�credit�limit.�However,�we�may,�at�our�option,�without�waiving�any�of�our� rights,
      permit�charges�to�your�Account,�even�if�those�charges�would�cause�your�outstanding�Account�balance�to�exceed�its�credit�limit.�We�will�not� assess�a�fee�if
      we�elect�to�honor�charges�that�cause�your�Account�to�exceed�its�credit�limit.
     �
      10.���ENTIRE BALANCE DUE: If�you�break�your�promises�under�this�Agreement,�you�understand�and�agree�that�we�may�demand�that�you�pay�the
      entire�outstanding�balance�of�your�Account�at�once,�subject�to�any�legally�required�notices�and�limitations�of�applicable�law.�We�may�also�do�this�if� you
      made�any�false�or�misleading�statements�on�your�application,�if�you�become�insolvent�or�are�subject�to�bankruptcy�proceedings,�or�if�you�die,�to� the
      extent�permitted�by�and�in�accordance�with�applicable�law.
     �
      11.���COLLECTION COSTS: To�the�extent�permitted�by�law,�you�promise�to�pay�all�of�the�costs�we�incur�to�collect�your�Account,�including�reasonable� and
      allowable�attorney�s�fees.
     �
      12.���JOINT ACCOUNTS: If�this�is�a�joint�Account,�each�of�you�is�responsible�as�an�individual�and�all�of�you�are�responsible�as�a�group�for�all�amounts� that
      are�owed�in�connection�with�the�Account.�Each�of�you�is�responsible,�even�if�the�Account�is�used�by�only�one�of�you.�You�will�continue�to�be��� liable�for�the
      entire�balance�of�the�Account,�even�if�your�co�applicant�or�co�borrower�is�ordered�by�a�court�to�pay�us.�You�will�remain�liable�to�us�if�your� co�applicant�or
      co�borrower�fails�to�pay�as�ordered�by�the�court.�Your�Account�status�will�continue�to�be�reported�to�the�credit�bureau�under�each
      of�your�names.�The�delivery�of�Account�notices�or�bills�to�any�of�you�serves�as�delivery�of�those�notices�and�bills�to�all�of�you.�We�may�rely�on�and
      comply�with�instructions�given�by�any�of�you�with�respect�to�the�Account.�We�are�not�liable�to�any�of�you�for�relying�on�or�complying�with� instructions
      given�by�any�of�you.
     �
      13.���NOTICES, CHANGES OF ACCOUNT INFORMATION, AND METHODS OF CONTACT: We�can�include�numbers�and�addresses�from�which
      you�contact�us�as�numbers�you�provide.�We�may�obtain�address�corrections�from�the�US�Postal�Service�and�telephone�numbers�and�other�contact
      information�from�third�party�sources.�You�agree�to�pay�any�fees�or�charges�for�which�you�may�become�responsible�as�a�result�of�our�attempts�to
      communicate�with�you�and�we�will�not�reimburse�you�for�such�costs.�You�authorize�us�or�third�parties�acting�on�our�behalf�to�contact�you�at�numbers�you
      provide.��This�includes�attempts�to�contact�you�on�cellular�phones�and�you�agree�that�we�can�use�automatic�dialers�and�leave�pre�recorded�messages.
      You�also�authorize�us�to�send�emails�to�an�email�address�at�which�we�have�reason�to�believe�you�can�be�reached.�We�can�make�such�calls,�within�the
      confines�of�applicable�law,�for�purposes�that�include,�but�are�not�limited�to,�gathering�information,�providing�service,�collecting�on�your�Account,�or
      investigating�suspected�fraud�or�identity�theft.
     �
      14.���INVALIDITY: If�one�or�more�provisions�of�this�Agreement�are�declared�invalid�or�unenforceable�by�a�court�or�arbitrator�with�jurisdiction,�you�and
      we�agree�that�the�remaining�conditions�and�terms�will�not�be�affected.
     �
      15.���CHANGING OUR AGREEMENT: Subject�to�notice�requirements�and�limitations�of�applicable�law,�we�may�change�the�terms�of�this�Agreement� at
      any�time,�and�the�new�terms�that�apply�to�your�Account�will�take�effect�on�the�day�we�specify.�If�the�law�requires�us�to�notify�you�in�a�certain�way,� or�limit
      the�effect�of�any�change�in�Account�or�Agreement�terms,�we�will�comply.
     �
      16.���AUTHORIZATION FOR RELEASE OF CREDIT INFORMATION: We�may�report�information�about�your�Account�to�credit�bureaus.�Late
      payments,�missed�payments,�or�other�defaults�on�your�Account�may�be�reflected�in�your�credit�report.
     �
      17.���ASSIGNMENT: We�have�the�right�to�assign�and�transfer�any�amounts�you�owe�us�in�connection�with�the�Account�and�any�of�our�rights�under�this
      Agreement.�We�assign�this�Agreement�if�we�sell�or�pass�to�a�third�party�any�or�all�of�our�rights�or�obligations�under�the�Agreement,�including�any� amount
      that�you�owe�under�the�Agreement.�Depending�on�what�we�may�assign,�any�party�to�which�we�assign�this�Agreement�will�enjoy�all�our�rights� under�the
      Agreement,�including�the�contractual�rights�to�collect�amounts�you�owe�on�the�Account.�You�cannot�assign�or�transfer�this�Agreement�or�any� of�your�rights
      or�duties�to�anyone�else.
     �
      18.���LOST OR STOLEN CARDS? LIABILITY FOR UNAUTHORIZED USE: If�you�notice�the�loss�or�theft�of�your�Card�or�a�possible�unauthorized�use
      of�your�Card,�you�should�write�to�us�immediately�at�HC�Processing�Center,�PO�Box�829,�Springdale,�AR�72765�0829,�or�call�us�at�877�486�3442.�� You
      will�not�be�liable�for�any�unauthorized�use�that�occurs�after�you�notify�us.�You�may,�however,�be�liable�for�unauthorized�use�that�occurs�before� your
      notice�to�us.�In�any�case,�your�liability�will�not�exceed�$50.
     �
      19.���CANCELLATION: We�may�cancel�your�Account�at�any�time.�If�cancelled,�you�promise�to�destroy�all�Cards�immediately.�We�may�terminate�or
      modify�all�or�any�part�of�your�Card�privileges�at�any�time.�You�have�the�right�to�close�your�Account�to�future�purchases�at�any�time,�if�you�send�a
      written�cancellation�notice�to:� HC�Processing�Center,�P.O.�Box�829,�Springdale,�AR�72765�0829.�Even�if�you�close�your�Account�to�future� purchases,
      you�must�pay�all�outstanding�amounts�on�the�Account�and�your�Account�will�remain�subject�to�interest�and�fees�as�provided�in�this� Agreement�until�it�is
      paid�in�full.
     �
      20.���INFORMATION SHARING: You�authorize�us�to�share�information�about�you�as�permitted�by�law.�This�includes�information�we�get�from�you�and
      others.�It�also�includes�information�about�your�transactions�with�us.�Please�see�our�Privacy�Notice�for�details�about�our�information�sharing�practices.
     �
      21.���GOVERNING LAW: This�Agreement�and�all�transactions�under�it�will�be�governed�by�the�laws�of�the�State�of�Utah,�which�are�expressly�adopted� to
      control�all�Account�transactions,�without�regard�to�choice�of�law�principles.
     �
      22.���ARBITRATION: PLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION 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.
        ���What claims are subject to arbitration
         1.���If�either�you�or�we�make�a�demand�for�arbitration,�you�and�we�must�arbitrate�any�dispute�or�claim�between�you�or�any�other�user� of� your� account,
         and�us,�our�affiliates,�agents�and/or�dealers/merchants/retailers�that�accept�the�card�or�program�sponsors�if� it�relates�to�your�account,�except�as�noted
         below.
         2.���We�will�not�require�you�to�arbitrate:�(1)�any�individual�case�in�small�claims�court�or�your�state�s�equivalent�court,� so�long�as�it�remains�an�individual
         case�in�that�court?�or�(2)�a�case�we�file�to�collect�money�you�owe�us.�However,�if�you�respond�to�the�collection�lawsuit�by�claiming�any�wrongdoing,�we
         may�require�you�to�arbitrate.
         3.���Notwithstanding�any�other�language�in�this�section,�only�a�court,�not�an�arbitrator,�will�decide�disputes�about�the� validity,�enforceability,�coverage�or
         scope�of�this�section�or�any�part�thereof�(including,�without�limitation,�the�next�paragraph�of�this�section�and/or�this�sentence).�However,�any�dispute�or
         argument�that�concerns�the�validity�or�enforceability�of�the�Agreement�as�a�whole�is�for�the�arbitrator,�not�a�court,�to�decide.
        ���No Class Actions
        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 ACCOUNTHOLDER WHO IS NOT
        AN ACCOUNTHOLDER  ON  YOUR  ACCOUNT,  AND  YOU  AGREE  THAT  ONLY  ACCOUNTHOLDERS  ON  YOUR  ACCOUNT  MAY  BE
        JOINED IN A SINGLE ARBITRATION WITH ANY CLAIM YOU HAVE.
        If�a�court�determines�that�this�paragraph�is�not�fully�enforceable,�only�this�sentence�will�remain�in�force�and�the�remainder�will�be�null�and�void,�and�the
        court�s�determination�shall�be�subject�to�appeal.�This�paragraph�does�not�apply�to�any�lawsuit�or�administrative�proceeding�filed�against�us�by�a�state�or
        federal�government�agency�even�when�such�agency�is�seeking�relief�on�behalf�of�a�class�of�borrowers,�including� you.�This�means�that� we� will�not�have
        the�right�to�compel�arbitration�of�any�claim�brought�by�such�an�agency.
        ���How to start an arbitration, and the arbitration process
         1.���The�party�who�wants�to�arbitrate�must�notify�the�other�party�in�writing.�This�notice�can�be�given�after�the�beginning�of�a�lawsuit�or� in�papers�filed�in
         the� lawsuit.� Otherwise,� your� notice� must� be� sent� to� HC� Processing� Center,� PO� Box� 829,� Springdale� AR� 72765�0829,� ATTN:� ARBITRATION
         DEMAND.� The� party� seeking� arbitration� must� select� an� arbitration� administrator,� which� can� be� either� the� American� Arbitration� Association
         (AAA),�1633�Broadway,�10th�Floor,�New�York,� NY� 10019,� www.adr.org,� (800)� 778�7879,� or� JAMS,� 620� Eighth� Avenue,� 34th� Floor,� New� York,� NY
         10018,�www.jamsadr.com,�(800)�352�5267.�If�neither�administrator�is�able�or�willing�to�handle�the�dispute,�then�the�court�will�appoint�an� arbitrator.
         2.����If� a� party� files� a� lawsuit� in� court� asserting� claim(s)� that� are� subject� to� arbitration� and� the� other� party� files� a� motion� with� the� court� to� compel
         arbitration,�which�is�granted,�it�will�be�the�responsibility�of�the�party�asserting�the�claim(s)�to�commence�the�arbitration�proceeding.
         3.���The�arbitration�administrator�will�appoint�the�arbitrator�and�will�tell�the�parties�what�to�do�next.�The�arbitrator�must�be�a�lawyer�with�at�least�ten�years
         of�legal�experience.�Once�appointed,�the�arbitrator�must�apply�the�same�law�and�legal�principles,�consistent�with�the� FAA,� that� would� apply� in� court,
         but�may�use�different�procedural�rules.�If�the�administrator�s�rules�conflict�with�this�Agreement,�this�Agreement�will�control.
         4.���The�arbitration�will�take�place�by�phone�or�at�a�reasonably�convenient�location.�We�will�always�pay�arbitration�costs,� as�well�as�your� legal�fees�and
         costs,�to�the�extent�you�prevail�on�claims�you�assert�against�us�in�an�arbitration�proceeding�which�you�have�commenced.
        ���Governing Law for Arbitration
        This�Arbitration�section�of�your�Agreement�is�governed�by�the�Federal�Arbitration�Act�(FAA).�Utah�law�shall�apply�to�the�extent�state�law�is� relevant�under
        the�FAA.�The�arbitrator�s�decision�will�be�final�and�binding,�except�for�any�appeal�right�under�the�FAA.�Any�court�with�jurisdiction�may�enter�judgment�upon
        the�arbitrator�s�award.
      ���How to reject this section.
      You may reject this Arbitration section of your Agreement. If you do that, only a court may be used to resolve any dispute or claim. To
      reject this section, you must send us a notice within 60 days after you open your account or we first provided you with your right to reject
      this section. The notice must include your name, address and account number, and must be mailed to HC Processing Center Legal
      Department.  PO Box 829, Springdale, AR 72765�0829. This is the only way you can reject this section.
      �
                          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:�HC Processing Center, PO Box 802, Springdale, AR 72765�0802.
      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
         ?����������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:
         1.���������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.
         2.���������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�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.
      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:� HC Processing Center, PO Box 802, Springdale, AR 72765�0802. 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.
                                     Privacy Policy��������������������������������� rev. March 2016
     �
        FACTS         WHAT�DO�FIRST�ELECTRONIC�BANK�(�FIRST�ELECTRONIC�BANK�)�AND�DENT�A�MED,�INC.
                      d/b/a�HC�PROCESSING�CENTER�(�HC�PROCESSING�)�DO�WITH�YOUR�PERSONAL
                      INFORMATION?
        Why?          Financial�companies�choose�how�they�share�your�personal�information.� Federal�law�gives
                      consumers�the�right�to�limit�some�but�not�all�sharing.� Federal�law�also�requires�us�to�tell�you
                      how�we�collect,�share,�and�protect�your�personal�information.� Please�read�this�notice�carefully
                      to�understand�what�we�do.
        What?         The�types�of�personal�information�we�collect�and�share�depend�on�the�product�or�service�you
                      have�with�us.� This�information�can�include:
                       ?���Social�Security�number�and�income
                       ?���account�balances�and�payment�history
                       ?���credit�history�and�credit�scores
                       When�you�are�no�longer�our�customer,�we�continue�to�share�your�information�as�described�in
                       this�notice.
        How?          All�financial�companies�need�to�share�customers��personal�information�to�run�their�everyday
                      business.� In�the�section�below,�we�list�the�reasons�financial�companies�can�share�their
                      customers��personal�information?�the�reasons�First�Electronic�and�HC�Processing�Center
                      choose�to� share?�and�whether�you�can�limit�this�sharing.
        Reasons�we�can�share�your�personal�information Do�First�Electronic Can�you�limit
                                                  and�HC�Processing this�sharing?
                                                     Share?
                                                     Share?
        For�our�everyday�business�purposes��
                                                �                �
        such�as�to�process�your�transactions,�maintain�your�account(s),
                                                        Yes            No
        respond�to�court�orders�and�legal�investigations,�or�report�to�credit
        bureaus
        For�our�marketing�purposes��
                                                        Yes            No
        to�offer�our�products�and�services�to�you
        For�joint�marketing�with�other�financial�companies No       We�don�t�share
                                                �                �
        For�our�affiliates��everyday�business�purposes��
                                                        No          We�don�t�share
        information�about�your�transactions�and�experiences
                                                �                �
        For�our�affiliates��everyday�business�purposes��
                                                        No          We�don�t�share
        information�about�your�creditworthiness
        For�our�affiliates�to�market�to�you             No          We�don�t�share
        For�nonaffiliates�to�market�to�you              No          We�don�t�share
        Questions?     Call�1�877�486�3442
                             ������������������Privacy�Policy�Continued
     �
        Who�we�are
        Who�is�providing�this�notice? First�Electronic�Bank�(�First�Electronic�)�and�HC�Processing�Center
        What�we�do
        How� do� First� Electronic� and To�protect�your�personal�information�from�unauthorized�access�and�use,�we
        HC� Processing� protect� my use�security�measures�that�comply�with�federal�law.� These�measures�include
        personal�information?  computer�safeguards�and�secured�files�and�buildings.
        How� do� First� Electronic� and We�collect�your�personal�information,�for�example,�when�you
        HC� � Processing� collect� my ?��apply�for�a�loan�or�open�an�account
        personal�information?
                               ?��give�us�your�contact�information�or�pay�your�bills
                               ?��use�your�credit�card
                               We�also�collect�your�personal�information�from�others,�such�as�credit�bureaus,
                               affiliates,�or�other�companies.
        Why�can�t�I�limit�all�sharing? Federal�law�gives�you�the�right�to�limit�only
                               ?��sharing�for�affiliates��everyday�business�purposes���information�about�your
                                 creditworthiness
                               ?��affiliates�from�using�your�information�to�market�to�you
                               ?��sharing�for�nonaffiliates�to�market�to�you
                               State�laws�and� individual� companies� may�give� you� additional�rights� to� limit
                               sharing.
        Definitions
        Affiliates             Companies�related�by�common�ownership�or�control.�They�can�be�financial�and
                               nonfinancial�companies.
                               ?��First�Electronic�and�HC�Processing�do�not�share�with�their�affiliates.
        Nonaffiliates          Companies�not�related�by�common�ownership�or�control.� They�can�be�financial
                               and�nonfinancial�companies.
        Nonaffiliates
                               and�nonfinancial�companies.
                               ?��First�Electronic�and�HC�Processing�do�not�share�with�nonaffiliates�so�they�can
                                 market�to�you.
        Joint�Marketing        A�formal�agreement�between�nonaffiliated�financial�companies�that�together
                               market�financial�products�or�services�to�you.
                               ?��First�Electronic�and�HC�Processing�do�not�jointly�market.
     �
      Other�Important�Information
      For�Vermont�Residents:�We�will�not�share�information�we�collect�about�you�with�nonaffiliated�third�parties,�except�as� permitted
      by�Vermont�law,�such�as�to�process�your�transactions�or�to�maintain�your�account.�In�addition,�we�will�not�share� information
      about�your�creditworthiness�with�our�affiliates�except�with�your�authorization.
     �
      For�California�Residents:�We�will�not�share�information�we�collect�about�you�with�nonaffiliated�third�parties,�except�as
      permitted�by�California�law,�such�as�to�process�your�transactions�or�to�maintain�your�account.
     �
      For�our�everyday�business�purposes,�we�may�share�your�personal�information�with�the�merchants�and�providers�where� you
      use�your�Account�and�their�related�companies.�You�cannot�limit�this�sharing.
                                           �
     ��Form�#�350BFTNGE11�valid�from�03.31.2016�thru�07.27.2016
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