90090  2/8/11  11:11 AM  Page 1

Mid America Bank & Trust Company
Cardholder Agreement

F03-L535-8   CP11-90090

Dear Cardholder:
This Cardholder Agreement, along with your Addendum to Cardholder
Agreement, Application, Card, Card Carrier, and the written materials
containing the terms of our agreement with you described in the next
paragraph (collectively, the “Agreement”), is your contract concerning
the use of your Account. The Agreement contains certain disclosures
required  by  the  Federal  Truth  in  Lending  Act,  along  with  important
information about your Account. We encourage you to read all of the
Agreement and keep it for your records. Please feel free to call us with
any questions you may have. We look forward to serving you.

CARDHOLDER AGREEMENT

This  Agreement  contains  the  terms  that  govern  the  use  of  your  Milestone™  MasterCard®
Account and outlines both your responsibilities and ours. Please read it in its entirety and keep
it  for  your  reference.  The  accompanying  Addendum  to  Cardholder  Agreement  is  hereby
incorporated  into  and  made  a  part  of  this  Agreement.  In  addition,  any  written  application,
acceptance certificate or other request you signed or otherwise submitted for this Account
(the “Application”), your Card and the Card Carrier that we send with your Card, and your
signature (including any electronic or digital signature) on any Application, sales slip or other
evidence of indebtedness on your Account, are hereby incorporated into and made a part of
this Agreement. This Agreement begins on the earlier of (i) the date you sign or otherwise
submit an Application that is approved by us, or (ii) the first date that we extend credit to you
on  your  Account,  as  evidenced  by  a  signed  sales  slip  or  memorandum,  a  Cash  Advance
transaction, or otherwise.
Definitions
To simplify this Agreement for you, the definitions listed below will apply throughout, both in
this Agreement and in your monthly statements. In addition, the words you, your, and yours
refer to the Cardholder(s) who holds the Card and is responsible for the Account, each of
whom is individually and jointly obligated under this Agreement. The words we, us, and our
refer to Mid America Bank & Trust Company, Dixon, Missouri.
Account:  The  credit  card  account  for  which  you  were  issued  a  Card  imprinted  with  your
Account number and that is subject to all of the terms and conditions of this Agreement.
Account Year: The 12-month period (consisting of 12 Billing Cycles) commencing with the
first Billing Cycle that begins when the Account is opened and each successive 12–month
period thereafter.
ATM: Automated Teller Machine.
Billing  Cycle:  The  time  interval  covered  by  a  monthly  statement.  Each  Billing  Cycle  is
approximately 30 days in length.
Card: Any Milestone MasterCard issued by us that you may use to obtain a Cash Advance,
make Purchases, or lease goods or services on credit. Use of your Account number to obtain
credit will be considered a use of the Card.
Card Carrier: The carrier that contains your Card.
Cardholder:  The  person  to  whom  a  Card  is  issued,  or  who  has  agreed  to  pay  obligations
arising from a Card issued to another person.
Cash  Advance:  Credit  extended  to  you  in  the  form  of  a  cash  loan  through  any  financial
institution honoring the Card either presented directly or through any other credit instrument,
check, device, overdraft coverage plan or ATM that we make available to you or that you use.
All cash equivalent transactions will be treated as Cash Advances and will be billed to the
Cash  Advance  segment  of  your  Account.  Transactions  that  we  view  as  “cash  equivalent
transactions”  include  without  limitation  using  your  Card  to  purchase  wire  transfer  money
orders, bets, lottery tickets, casino gaming chips, and other similar products and services.
Closing Date: The date of the last day of a Billing Cycle.
Credit Line: The maximum amount of credit available to you on your Account. Your Credit Line
will be disclosed on your Card Carrier.
Initial  Transaction  Balance:  The  total  outstanding  balance  of  your  existing  debt  that  was
initially charged to your Account (as agreed in your Application and discussed below) as of
each Closing Date specified in your monthly statement.
New Balance: The total outstanding Account balance on the Closing Date specified in your
monthly statement.
Previous Balance: The balance of your Account at the beginning of a Billing Cycle. This will
be the same as the “New Balance” shown on your previous bill.
Purchase: Any extension of credit to your Account for the purpose of purchasing or leasing
goods  or  services  from  participating  establishments,  including  the  initial  charge  to  your
Account discussed below.
Purchase  and  Cash  Advance  Balance:  The  total  outstanding  balance  of  Purchases,  Cash
Advances, fees, and INTEREST CHARGES charged to your Account as of each Closing Date
specified in your monthly statement.

YOUR INITIAL CHARGE TRANSACTION 

You have agreed to have all or a portion of the balance of an existing debt (referenced in the
Application provided to you) paid by an initial charge to your Account. This will be your Initial
Transaction Balance. 
We may from time to time establish segments for your Account, such as Purchase segments,
Cash Advance segments and special purchase segments. Each segment may be subject to
terms  and  conditions  different  than  those  that  are  applicable  to  other  segments  including,
without  limitation,  a  credit  limit  which  may  be  less  than  the  Credit  Line  and  INTEREST
CHARGES that apply only to that particular segment.
The Initial Transaction Balance will not be included in your Average Daily Balance, and no
INTEREST  CHARGE will  accrue  on  this  amount.  The  Initial  Transaction  Balance  will  be
reduced as monthly payments are made to the Account.

USING YOUR CREDIT CARD

Purchases and Cash Advances
You  may  use  your  Card  to  purchase  or  lease  goods  or  services  from  participating
establishments. You may also use your Card to obtain Cash Advances from your Account at
an ATM, or by presenting it to any institution that accepts the Card for that purpose. There are
dollar limitations on individual Cash Advance transactions and we may set a Cash Advance
Line for your Account. Please contact us for information about the Cash Advance limitations
that apply to your Account. In addition, we may limit your Account to only one Cash Advance
transaction per day.
You promise to pay us and are liable for all amounts resulting from the authorized use of your
Card or Account, plus any applicable INTEREST CHARGES and other applicable charges or
fees, payable in U.S. dollars.
We may limit and restrict the use of the Account/Card at our discretion. Such limitations and
restrictions include, but are not limited to, gambling transactions, which include, but are not
limited to, internet-related lottery tickets, casino gambling chips, off-track betting and wagers
at racetracks. You remain responsible for use of your Account/Card in any such transactions.
The  Card  may  only  be  used  for  valid  and  lawful  purposes.  If  you  use,  or  you  authorize
someone else to use, the Card or Account for an unlawful or impermissible purpose, you will
be  responsible  for  such  use  and  may  be  required  to  reimburse  us  or  MasterCard  for  any
amounts or expenses we or they incur as a result of such use.
The Card is and remains our property, and you will surrender it to us at any time upon request.
Your Credit Line
You may not use your Account in any way that would cause you to go over your Credit Line.
We may refuse to authorize or accept any transaction on your Account that would cause you
to exceed your Credit Line or if your Account is delinquent. We may temporarily agree to allow
you to exceed your Credit Line; however, in that case you must repay the excess amount
according to the terms of this Agreement. Any transactions honored in excess of your Credit
Line will not result in an increase of your Credit Line. We may at any time and without prior
notice to you increase or decrease your Credit Line, limit the Credit Line for Cash Advances
or take away your ability to obtain Cash Advances.

MAKING PAYMENTS

Monthly Statements
We will send a statement at the end of each monthly Billing Cycle if there is a debit or credit
balance on your account of $1 or more, a balance on which an INTEREST CHARGE has been
imposed or as otherwise required by applicable law. You agree to pay us, or any party to
whom we may transfer and assign your Account or the amounts owing under your Account,
in U.S. dollars according to all terms and conditions of this Agreement. Payments made by a
check, money order or other negotiable instrument must be in a form acceptable to us and
drawn on a U.S. financial institution.
Minimum Payment
The Minimum Payment is a fixed dollar amount. The fixed dollar amount applicable to your
Account is shown in the accompanying Addendum to Cardholder Agreement. If you elect not
to pay your New Balance in full, you must pay at least the Minimum Payment by the “Payment
Due Date” shown on your statement, which is at least 25 days after the Closing Date of the
Billing Cycle. Your Minimum Payment also will include any past due amount or any amount
by which the New Balance exceeds your Credit Line, whichever of these two is greater. If your
New Balance is less than or equal to your payment, then your Minimum Payment will be equal
to your New Balance. 
Payments  should  be  mailed  with  the  payment  coupon  and  in  the  envelope  provided  and
following  the  other  instructions  on  the  statement  to  Bankcard  Services,  P.O.  Box  84059,
Columbus, GA, 31908-4059. Any payment received in that form and at that address on or
before 5:00 P.M. Eastern Time on a normal banking day will be credited to your Account that
day. If your payment is received in that form and at that address after 5:00 P.M. Eastern Time
on a normal banking day, or any time on a non-banking day, we will credit it to your Account
the  next  banking  day.  Please  allow  at  least  seven  (7)  business  days  for  postal  delivery.
Payments received by us at any other location or in any other form may not be credited as of
the day we receive them. Credit availability may be delayed at our sole discretion to ensure
payment  in  good  funds.  If  we  accept  a  payment  at  some  other  place,  we  may  delay  the
crediting of the payment for up to five (5) days. This may cause you to incur late payment
fees and additional interest charges, and may result in your Account being declared in default.
When you provide a check as payment, you authorize us either to use information from your
check  to  make  a  one-time  electronic  fund  transfer  from  your  account  or  to  process  the
payment  as  a  check  transaction.  When  we  use  information  from  your  check  to  make  an
electronic fund transfer, funds may be withdrawn from your account as soon as the same day
we  receive  your  payment  and  you  will  not  receive  your  check  back  from  your  financial
institution.
At any time you may pay part or all of the full amount you owe without incurring any additional
charge for prepayment. The amount of any payment that exceeds your total New Balance will
be applied as a credit to your Account, and any remaining credit balance will be refunded as
required by law.

Your total Credit Line may not reflect your payments for up to 14 days.
You  must  make  the  Minimum  Payment  set  forth  on  your  first  billing  statement  in  order  to
activate  your  Card.  If  you  wish  to  activate  your  Card  before  you  receive  your  first  billing
statement, please call us at 1-800-958-2939, and we will tell you the minimum amount you
need to pay in order to activate the Card.
Application of Payments
For each Billing Cycle, payments up to the amount of your monthly Minimum Payment Due
will be allocated among the various segments of your Account, and to charges and principal
due within each segment (including new transactions), in any way we determine, including
balances  with  lower  ANNUAL  PERCENTAGE  RATES before  balances  with  higher  ANNUAL
PERCENTAGE  RATES.  This  means  that  you  may  incur  additional  INTEREST  CHARGES on
other segments and may not pay down those segments until the Initial Transaction Balance
(if  any)  and  other  lower  ANNUAL  PERCENTAGE  RATE  segments  are  fully  paid.  We  will
generally  apply  payments  up  to  the  amount  of  your  monthly  Minimum  Payment  Due  in  a
manner most favorable or convenient for us.
For each Billing Cycle, to the extent your payments exceed your monthly Minimum Payment
Due, we will apply these excess amounts in the order required by applicable law.
Security Interest
If we now, or in the future, hold any title, pledge or security interest in any of your property
other than your principal residence, it may be that the terms of the instrument creating such
title, pledge or security interest will also secure your obligations on this Account.

HOW INTEREST CHARGES ARE DETERMINED

Your INTEREST CHARGE for any Billing Cycle will include the following components, the total
of which constitutes your total INTEREST CHARGE for the Billing Cycle:
(1) A Cash Advance Transaction Fee INTEREST CHARGE, imposed on each Cash Advance
transaction posted during a Billing Cycle, in an amount equal to the greater of $10 or 3% of
the amount of each Cash Advance, and
(2)  Periodic  INTEREST  CHARGE amounts  computed  by  applying  the  applicable  Monthly
Periodic Rate or Rates, determined as provided below under “Computing the Purchase and
Cash Advance Balance Monthly Periodic Rates and Corresponding ANNUAL PERCENTAGE
RATES (APRs)”, to (i) your Average Daily Balance of Cash Advances (including new Cash
Advances)  and  (ii)  your  Average  Daily  Balance  of  Purchases  (including  new  Purchases).
However,  if  the  total  of  the  amounts  so  computed  is  an  amount  less  than  $.50,  then  a
minimum INTEREST CHARGE of $.50 will be imposed instead of such smaller amounts and
will be treated as an INTEREST CHARGE on Purchases, and
(3) A Foreign Currency Conversion Fee INTEREST CHARGE, in an amount equal to 1% of the
converted U.S. Dollar amount of each transaction (including Purchases and Cash Advances)
that  is  effected  in  any  currency  other  than  U.S.  Dollars;  any  unpaid  Foreign  Currency
Conversion Fee INTEREST CHARGES will be added to the calculation of your Average Daily
Balance of Purchases or your Average Daily Balance of Cash Advances (as applicable).
No INTEREST CHARGE will be charged on your Initial Transaction Balance.
When INTEREST CHARGES Begin to Accrue 
INTEREST CHARGES on Purchases will be imposed at the applicable Monthly Periodic Rate
from the date each Purchase is made, and will continue to accrue on unpaid balances as long
as  they  remain  unpaid.  However  we  do  not  assess  INTEREST  CHARGES in  the  following
circumstances:

1. If  you  paid  the  New  Balance  at  the  beginning  of  your  previous  Billing  Cycle  by  the
Payment Due Date during the previous Billing Cycle (or if that New Balance was $0 or
a credit balance), then:

• If  you  pay  the  new  balance  on  your  current  Monthly  Statement  in  full  by  the
Payment Due Date in your current Billing Cycle, we will not impose INTEREST
CHARGES on Purchases during your current Billing Cycle, and

• If you make a payment that is less than the New Balance by the Payment Due
Date in your current Billing Cycle, we will credit that payment as of the first day
in your current Billing Cycle.

2. If you had a New Balance at the beginning of your previous Billing Cycle and you did
not pay that New Balance by the Payment Due Date during that previous Billing Cycle,
then  we  will  not  charge  INTEREST  CHARGES on  any  Purchases  during  the  current
Billing Cycle if you pay the New Balance at the beginning of your current Billing Cycle
by the Payment Due Date in your current Billing Cycle.

Periodic INTEREST CHARGES on Cash Advances will be imposed at the applicable Monthly
Periodic  Rate  from  the  date  each  Cash  Advance  is  made  and  will  continue  to  accrue  on
unpaid balances as long as they remain unpaid. There is no grace period on Cash Advances
and there is no period within which to pay to avoid INTEREST CHARGES on Cash Advances.
Calculating the Purchase and Cash Advance Balance Subject to INTEREST CHARGES
Average Daily Balance of Purchases (including new Purchases): To get the Average Daily
Balance of Purchases, we take the beginning Purchase balance of your Account each day,
including unpaid INTEREST CHARGES on Purchases and Foreign Currency Conversion Fee
INTEREST CHARGES on Purchases, add any new Purchases as of the date of transaction,
and subtract the applicable portion of any payments and credits as of the transaction date.
This gives us the daily balance for Purchases. Then we add all these daily balances for the
Billing Cycle together and divide the total by the number of days in the Billing Cycle. This gives
us the Average Daily Balance of Purchases.
Average  Daily  Balance  of  Cash  Advances  (including  new  Cash  Advances): To  get  the
Average Daily Balance of Cash Advances, we take the beginning Cash Advance balance of
your  Account  each  day,  including  unpaid  INTEREST  CHARGES on  Cash  Advances  and
Foreign  Currency  Conversion  Fee  INTEREST  CHARGES on  Cash  Advances,  add  any  new
Cash  Advances  as  of  the  date  of  transaction,  add  the  Cash  Advance  Transaction  Fee
INTEREST CHARGE on any Cash Advances as of the transaction date of each Cash Advance,
and subtract the applicable portion of any payments and credits as of the transaction date.
This gives us the daily balance for Cash Advances. Then we add all these daily balances for
the Billing Cycle together and divide the total by the number of days in the Billing Cycle. This
gives us the Average Daily Balance of Cash Advances.
Computing  the  Purchase  and  Cash  Advance  Balance  Monthly  Periodic  Rates  and
Corresponding ANNUAL PERCENTAGE RATES (APRs)
Monthly  Periodic  Rates: Unless  an  Introductory  Monthly  Periodic  Rate  is  in  effect  (see
below),  one  or  more  regular  Monthly  Periodic  Rates  and  corresponding  ANNUAL
PERCENTAGE RATES apply to your Account, as shown in the accompanying Addendum to
Cardholder Agreement. For example, the Monthly Periodic Rate and corresponding ANNUAL
PERCENTAGE RATE applicable to Purchases may be different from the Monthly Periodic Rate
and corresponding ANNUAL PERCENTAGE RATE applicable to Cash Advances. 
Introductory Monthly Periodic Rate (applies only if an Introductory Monthly Periodic Rate
is  specified  in  your  Addendum  to  Cardholder  Agreement):  The  Introductory  Monthly
Periodic Rate and corresponding ANNUAL PERCENTAGE RATE applicable to your Average
Daily Balance of Purchases and Cash Advances is specified in the accompanying Addendum
to  Cardholder  Agreement.  Twelve  (12)  Billing  Cycles  after  your  Account  is  opened,  the
Introductory  Monthly  Periodic  Rate  and  corresponding  ANNUAL  PERCENTAGE  RATE will
expire, and the Monthly Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE
described in the section above will apply to any existing and future balances.

OTHER FEES

In addition to INTEREST CHARGES, a variety of fees may be applied to your Account, as set
forth below. The amounts of some of these fees in effect when this Agreement is provided to
you are shown in the Addendum to Cardholder Agreement given to you with this Agreement.
The amounts of these fees may change from time to time during the term of your Account.
Annual Fee 
We will charge an Annual Fee, as is specified in the accompanying Addendum to Cardholder
Agreement, to your Account on or about the date your Account is opened and on or about
each anniversary of that date. The initial Annual Fee is nonrefundable; the renewal Annual Fee
is also nonrefundable unless you notify us to cancel your Account within 30 days from the
mailing date of the billing statement or other communication containing the renewal Annual
Fee notice. The Annual Fee is added to the Purchase Balance.
Monthly Participation Fee 
We will charge a Monthly Participation Fee as is specified in the accompanying Addendum to
Cardholder Agreement, to your Account each Billing Cycle. (The Monthly Participation Fee will
be  waived  the  first  12  months  your  Account  is  opened.)  The  Monthly  Participation  Fee  is
nonrefundable.  If  we  or  you  close  your  Account,  we  may  continue  to  charge  the  Monthly
Participation Fee until you pay your balance in full. The Monthly Participation Fee is added to
the Purchase Balance.
Late Payment Fee
If we do not receive your Minimum Payment by the Closing Date of the Billing Cycle in which
the Payment Due Date occurs, we will apply a Late Payment Fee to your Account. The Late
Payment  Fee  will  be  the  amount  specified  in  the  accompanying  Addendum  to  Cardholder
Agreement. However, the Late Payment Fee will never exceed the amount of your required
Minimum Payment to which the Late Payment Fee relates
Returned Payment Fee
If  any  payment  on  your  Account  is  returned  to  us  unpaid  for  any  reason,  we  will  apply  a
Returned  Payment  Fee  to  your  Account.  The  Returned  Payment  Fee  will  be  the  amount
specified in the accompanying Addendum to Cardholder Agreement. However, the Returned
Payment Fee will never exceed the amount of your most recent required Minimum Payment.
Minimum Interest Charge Fee 
If the Periodic INTEREST CHARGE amounts computed in the HOW INTEREST CHARGES ARE
DETERMINED section are an amount less than $.50, then a minimum INTEREST CHARGE
Fee of $.50 will be imposed instead of such smaller amounts and will be treated as a fee on
your billing statement and added to your Purchases at our discretion.
Documentation Fee
You may request a copy of a statement previously sent to you for a Documentation Fee of $3
per statement, which will be applied to your Account. Copies of sales tickets or other items
posted to your Account may be obtained for a Documentation Fee of $10 per sales ticket or
other item, which will be applied to your Account. Notwithstanding the foregoing, we will not
impose any fee in connection with a good faith assertion of a billing error or other exercise
of  your  Billing  Rights  (see  below  under  “Your  Billing  Rights  -  Keep  This  Notice  for  Future
Use”).
Card Replacement Fee
If you ask us to replace a Card that is lost, stolen, damaged or destroyed, you agree to pay
us a Card Replacement Fee of $5. If you request that we send a replacement Card to you on
a rush basis, you will be charged our then current fee for this service.
PIN Replacement Fee
If you request a replacement PIN to use with your Card, we will apply a PIN Replacement Fee
of $5 to your Account.

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Reinstatement Fee
If you ask us to reopen your closed or blocked Account, and we do so, you agree to pay us
a Reinstatement Fee, as specified in the accompanying Addendum to Cardholder Agreement.

LOST CARDS AND UNAUTHORIZED USE

If  your  Card  is  lost  or  stolen  or  used  without  your  consent,  you  may  be  liable  for  the
unauthorized use of your Card, but you will not be liable for unauthorized use that occurs after
you notify us orally or in writing of the loss, theft or possible unauthorized use at: Bankcard
Services, P.O. Box 4477, Beaverton, OR 97076, 1-888-260-4532.

In any case, your liability will not exceed $50.

OUR RIGHTS, AND HOW THEY AFFECT YOU

Telephone Monitoring and Recording 
You consent and agree that, from time to time, except as restricted by applicable law, we may
monitor  or  record  telephone  calls  regarding  your  Account,  suppress  caller  identification
services  and  use  an  automated  dialing  and  announcing  system.  If  you  provide  us  with  a
cellular phone number either as part of your application, or at any time thereafter, including,
without limitation, after your Account is in a default status, you are expressly consenting that
we and our agents may (i) contact you at that number including by text message, and (ii) use
automated  telephone  dialing  systems  to  initiate  such  contacts  and/or  leave  recorded
messages.
If you provide us at any time with an email contact for your Account, you agree we may use
that email address to contact you about your Account and may send you information about
products and services related to your Account. 
We or our representatives may contact you from time to time regarding the Account, or to ask
for additional information about you or your experience with us. You agree that such contacts
are not unsolicited and may include contacts at your home or place of employment, during
weekdays,  weekends  or  holidays,  on  your  mobile  telephone,  voicemail  or  answering
machine, or by email, fax, recorded message, text message or personal visit.
Refunds
If a seller agrees to give a refund, you will accept a credit on your Account instead of a cash
refund.
No Waiver of Rights; Disputed Amounts
We  can  accept  late  or  partial  payments  without  losing  any  of  our  rights  under  this
Agreement. You agree not to send us partial payments marked “paid in full,” “without
recourse,” or similar language. If you send such a payment, we may accept it without
losing  any  of  our  rights  under  this  Agreement.  All  written  communications  concerning
disputed amounts, including any check or other payment instrument that indicated that
the payment constitutes “payment in full” of the amount owed or that is tendered with
other conditions or limitations or as full satisfaction of a disputed amount, must be mailed
or delivered to Bankcard Services, P.O. Box 4499, Beaverton, OR 97076.
Credit Reports and Information
You  authorize  us  to  make  or  have  made  any  credit,  employment,  or  other  investigative
inquiries we deem appropriate to extend you credit or collect amounts owed to us on your
Account. We (including any assignee of the Account or amounts owing under the Account)
may also obtain information about you from credit reporting agencies or others at any time
and use it for the purposes of monitoring your credit performance, managing your Account
and considering you for new offers and programs.
We will not be furnishing information on your Account to credit reporting agencies if there is
any  amount  remaining  to  be  paid  on  your  Initial  Transaction  Balance.  After  your  Initial
Transaction Balance reaches zero, you may elect to have us start reporting information on
your Account to credit reporting agencies. After you make that election, your entire Account
history, including the history on your Initial Transaction Balance with us, will be included in
the information that is reported.
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 Bankcard
Services, P.O. Box 4499, Beaverton, OR 97076.
Default and Collection
Unless prohibited by applicable law, your Account is considered to be in default if (1) you fail
to make the required Minimum Payment on or before the Payment Due Date, including if your
payment is returned or cannot be processed and you do not correct that failure within 31
days, (2) you try to exceed or do exceed your Credit Line without permission and do not bring
your  Account  back  under  your  Credit  Line  within  31  days,  (3)  you  become  subject  to
bankruptcy or insolvency proceedings, (4) you become subject to attachment or garnishment
proceedings, (5) you give us any false information or signature, (6) you die, or (7) you fail to
comply with any portion of this Agreement. Our accepting a late or partial payment does not
waive default. Default on this Account will constitute default on all accounts you hold with us.
Subject to any notice of default and right to cure or other restrictions of applicable law, if you
are  in  default,  we  may  declare  the  entire  balance  due  immediately.  You  agree  to  pay  our
reasonable costs and attorneys’ fees and expenses related to the collection of your Account,
and retrieving your Card, to the extent permitted by applicable laws. However, we will never
sue  or  file  for  arbitration,  or  threaten  to  sue  or  file  for  arbitration,  to  collect  the  Initial
Transaction Balance. This is also binding on any successor or transferee of your Account.
Change of Terms
Subject to the limitations of applicable law, we may, at any time, change or remove any
of  the  terms  and  conditions  of,  or  add  new  terms  or  conditions  to,  this  Agreement
(including without limitation to the Addendum to Cardholder Agreement). If required by
applicable law, we will mail written notice of such a change to you in the manner required
by  such  law.  As  of  the  effective  date,  the  changed  or  new  terms  will  apply  to  new
Purchases  and  Cash  Advances  and  also  to  the  outstanding  balance  of  your  Account
(including your Initial Transaction Balance), subject to the limitations of applicable law.
Delay in Enforcement
We can delay enforcing our rights under this Agreement without losing them.

OTHER PROVISIONS

Card Activation
If you are issued a Card and do not activate it within four months from the date of issuance,
we  reserve  the  right  to  terminate  the  ability  to  activate  the  Card  and  decline  to  issue  you
another Card.
Ownership and Use of Your Card
As the Account Cardholder(s), you are liable for all credit obtained under your Account. If you
authorize  another  person  to  use  your  Card,  you  are  liable  for  any  credit  obtained  on  your
Account for as long as that person holds the Card. In addition, you will remain liable until you
recover possession of the Card. Misuse of your Card by an authorized person will not be
considered unauthorized use. See “Lost Cards and Unauthorized Use” above. Upon demand,
you must immediately return any Card we supply to you or destroy the Card by cutting it in
half. 
Transactions
You will retain for statement verification your copy of each Purchase slip, Cash Advance or
other transaction to your Account.
Transfer and Termination of Your Account
You may not transfer your Account to any other person. We may assign your Account or
amounts owing under your Account to any other person at any time and the assignee will take
our place under the Agreement with respect to all agreements and interests transferred. You
must  pay  the  assignee  and  otherwise  perform  your  obligations  under  the  assigned
agreements and interests. Either you or we may terminate or suspend your credit privileges
at  any  time,  with  or  without  cause  and  with  or  without  advance  notice.  However,  you  will
remain liable for all charges until they are paid in full. You agree to return any Cards we have
given to you as soon as our cancellation becomes effective. You may cancel your Account at
any time by writing to us at Bankcard Services, P.O. Box 4477, Beaverton, OR 97076. Your
cancellation will not become effective until you have returned to us all of the Cards we have
given  you.  If  you  have  a  joint  Account  and  want  to  remove  one  of  the  names  from  the
Account, we must receive a written request signed by both of the cardholders on the Account.
All  Cards  must  be  returned  upon  request  in  such  event.  No  party  is  released  from  the
obligation for the balance owing on a joint Account, unless we agree to the arrangements in
writing. You may have to re-apply for a new Card for an individual Account when you request
a change from a joint Account to an individual Account.
Additional Benefits and Services
From time to time, we may offer you benefits and services with your Account. These benefits
and services may be provided by us or third parties. Unless expressly made a part of this
Agreement, and except as provided in the Arbitration of Disputes section below, any such
benefits and services are not a part of this Agreement, and are subject only to the terms and
conditions outlined in the benefits or services brochure and other official documents provided
to you with respect to the benefits and services. We may adjust, add, or delete benefits or
services at any time in accordance with the brochures or documents you receive. Except as
required by applicable law, we are not liable for benefits or services provided by third parties
or the actions or omissions of those third parties.
Foreign Currency Conversion
Payment must be made in U.S. Dollars for charges you incur in any other currency. If you
effect  a  transaction  with  your  Card  in  a  currency  other  than  U.S.  Dollars,  MasterCard
International Incorporated (“MasterCard”) will convert the charge into a U.S. Dollar amount.
MasterCard will act in accordance with its operating regulations or conversion procedures in
effect at the time that the transaction is processed. Currently the currency conversion rate
used by MasterCard to determine the transaction amount in U.S. Dollars for such transactions
is generally either a government mandated rate or a wholesale rate determined by MasterCard
for the processing cycle in which the transaction is processed. The currency conversion rate
used by MasterCard on the processing date may differ from the rate that would have been
used  on  the  purchase  date  or  cardholder  statement  posting  date.  We  will  also  assess  a
Foreign  Currency  Conversion  Fee  INTEREST  CHARGE as  described  in  HOW  INTEREST
CHARGES ARE DETERMINED above.
Honoring Your Card
We are not liable for the failure or refusal of a merchant, ATM or other institution to honor your
Card. Although you may have credit available, we will not be liable for the failure to authorize
credit due to operational difficulties or mistakes. Transactions made above a certain dollar
amount may require authorization by us before the transaction can be approved. In addition,
we may limit the number and amount of daily transactions approved for security reasons.
Change of Address, Employment and Telephone
We will send all written notices and statements to your address as it appears on our records.
To avoid delays and missed payments that could affect your credit standing, you agree to
promptly advise us if you change your mailing address, place of employment, or telephone
number.
Severability
In the event that any provision of this Agreement is determined to be invalid or unenforceable
for any reason, the remaining provisions will remain in effect.

Entire Agreement; Interpretation
This  Agreement  (including  the  Addendum  to  Cardholder  Agreement  and  other  documents
incorporated herein by reference as discussed above) constitutes the final expression of the
credit agreement between you and us relating to your Account. The headings used in this
Agreement  are  for  the  convenience  of  reference  only  and  are  not  intended  to  define  or
describe the scope or intent of any portion of the Agreement.
Governing Law
This Agreement and your Account, and all aspects of the relationship between you and
us, are governed by and construed in accordance with federal law and, to the extent that
state law applies, the laws of the State of Missouri.
Warning Regarding Statute of Limitations on Initial Transaction Balance
You are entering into a new agreement to repay the amount of your charged-off original
debt account(s) that is resolved by the initial charge to your Account and results in the
Initial  Transaction  Balance.  BE  AWARE  THAT  the  Initial  Transaction  Balance  will  be
subject to a new time period (statute of limitations period) for a lawsuit or arbitration to
be  initiated  against  you  to  collect  the  amount  of  your  Initial  Transaction  Balance.  This
NEW STATUTE OF LIMITATIONS PERIOD will be longer than the period that applies to your
charged-off original debt account(s), which, depending on applicable state law, may no
longer  be  subject  to  collection  through  a  lawsuit  or  arbitration.  We  agree  that  we  will
never sue or file for arbitration, or threaten to sue or file for arbitration, to collect any
amount of the Initial Transaction Balance on your Account.
Arbitration of Disputes
Except as expressly provided below, any controversy that arises out of or is related to (a)
this  Agreement  (including  without  limitation,  any  dispute  over  the  validity  of  this
Agreement to arbitrate disputes or of this entire Agreement), or (b) your Account, or (c)
any  relationship  resulting  from  this  Agreement,  or  (d)  any  insurance  or  other  service
related to your Account, or (e) any other agreement related to your Account (including
prior agreements) or any such service, or (f) breach of this Agreement or any other such
agreement, whether based on statute, contract, tort or any other legal theory, in which the
aggregate  amount  in  controversy  for  all  claimants  exceeds  $15,000  including  interest
and  attorneys’  fees  (any  “Claim”)  will  be  settled  on  an  individual  basis  by  binding
arbitration under the Federal Arbitration Act (“FAA”). We agree that we will not sue or file
for arbitration, or threaten to sue or file for arbitration, to collect the Initial Transaction
Balance. This is also binding on any successor or transferee of your Account.
Judgment  on  the  arbitration  award  may  be  entered  in  any  court  having  jurisdiction.  Any
dispute regarding whether a particular controversy is subject to arbitration will be decided by
the arbitrator(s). If any part of the damages or other relief requested is not expressly stated
as a dollar amount, the controversy will be a Claim that is subject to arbitration. You and we
acknowledge  and  agree  that  the  transactions  contemplated  by  this  Agreement,  and  any
controversy that may arise under or relate to this Agreement, your Account, or the services
or other agreements described above, involve “commerce” as that term is defined and used
in the FAA.
The arbitration will be administered by the American Arbitration Association (the “AAA”) under
its rules in effect at the time an arbitration is commenced that are applicable to the resolution
of consumer disputes (the “Arbitration Rules”). We will tell you how to contact the AAA and
how to get a copy of the Arbitration Rules without cost if you ask us in writing to do so. The
Arbitration  Rules  permit  you  to  request  deferral  or  reduction  of  the  administrative  fees  of
arbitration if paying them would cause you a hardship. In addition, if you ask us in writing, we
will consider your request to pay any or all of your costs of arbitration.
Each arbitrator shall be a licensed attorney who has been engaged in the private practice of
law continuously during the ten years immediately preceding the arbitration or a retired judge
of a court of general or appellate jurisdiction. The arbitration award shall award only such
relief  as  a  court  of  competent  jurisdiction  could  properly  award  under  applicable  law,
including attorneys’ fees if allowed by applicable law or agreement, and may award to the
prevailing  party  all  pre-  and  post-award  expenses  of  arbitration.  All  statutes  of  limitation,
defenses, and attorney-client and other privileges that would apply in a court proceeding will
apply in the arbitration. The filing of a demand for arbitration in accordance with the Arbitration
Rules will be deemed the commencement of an action for purposes of any applicable statute
of limitations. There will be no class Claims–Claims by or on behalf of other persons will not
be considered in or consolidated with the arbitration proceedings between you and us, and
the  arbitrator  will  have  no  power  to  consider  any  such  Claims  by  or  on  behalf  of  other
persons.
This  Agreement  does  not  limit  the  right  of  you  or  us  whether  before,  during  or  after  the
pendency  of  any  arbitration  proceeding,  to  exercise  self-help  remedies  such  as  set-off  or
repossession and sale of collateral, or to obtain provisional or ancillary remedies or injunctive
or other traditionally equitable relief (other than a stay of arbitration) necessary to protect the
rights  or  property  of  the  party  seeking  relief  pending  the  arbitrator’s  determination  of  the
merits of the Claim. The taking of any of the actions described in the preceding sentence by
either party or the filing of a court action by a party shall not be deemed to be a waiver of the
right to demand arbitration of any Claim asserted as a counterclaim or the like in response to
any such action. This Agreement to arbitrate disputes will survive the closing of your Account
and the termination of your Agreement with us.
If  any  provision  of  this  Section  regarding  arbitration  of  disputes  shall  be  deemed  to  be
unenforceable, the remainder of this Section shall be given full force and effect. However, if
the provision precluding class Claims in arbitration is deemed unenforceable, then this entire
Arbitration Agreement shall be void and of no force and effect.
Please read this arbitration agreement carefully. It limits or waives certain of your rights.
With respect to Claims that you are agreeing to arbitrate pursuant to this Agreement, you
are waiving your right to bring a court action and to have a jury trial. There will be no
class Claims in arbitration. Discovery may be more limited in arbitration than in a court
proceeding,  and  the  right  and  grounds  to  appeal  from  an  arbitrator’s  award  are  more
limited than in an appeal from a court judgment. Certain other rights you have in a court
proceeding also may not be available in arbitration.

YOUR BILLING RIGHTS –
KEEP THIS NOTICE FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Think You Find A Mistake On Your Statement 
If you think there is an error on your statement, please write to us at:

Bankcard Services 
P.O. Box 4499, Beaverton, OR 97076-4499.
In your letter, give us the following information:

• Account information: Your name and Account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what you

believe is wrong and why you believe it is a mistake.

You must contact us: 

• Within 60 days after the error appeared on your statement. 
• At  least  three  (3)  business  days  before  an  automated  payment  is  scheduled,  if  you

want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not
required to investigate any potential errors, and you may have to pay the amount in question. 
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We

will also tell you if we have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error or explain to

you why we believe the bill is correct.

While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question, or report you as delinquent on that

amount.

• The charge in question may remain on your statement, and we may continue to charge

you interest on that amount. 

• While  you  do  not  have  to  pay  the  amount  in  question,  you  are  responsible  for  the

remainder of your balance.

• We can apply any unpaid amount against your credit line.
After we finish our investigation, one of two things will happen:

• If we made a mistake: You will not have to pay the amount in question or any interest

or other fees related to that amount.

• If we do not believe there was a mistake: You will have to pay the amount in question,
along  with  applicable  interest  and  fees.  We  will  then  send  you  a  statement  of  the
amount you owe and the date payment is due. We may then report you as delinquent
if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within
10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent
without also reporting that you are questioning your bill. We must tell you the name of anyone
to whom we reported you as delinquent, and we must let those organizations know when the
matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount
you question, even if your bill is correct.
Your Rights If You Are Dissatisfied With Your 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.  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 Bankcard Services, P.O. Box 4499, Beaverton, OR 97076-4499.
While we investigate, the same rules apply to the disputed amount as discussed above. After
we finish our investigation, we will tell you our decision. At that point, if we think you owe an
amount and you do not pay, we may report you as delinquent.

The card issuer:
Mid America Bank & Trust Company
216 West 2nd Street
Dixon, MO 65459

F03-L535-8   CP11-90090