JOB SPECS:
Flat Size:
8.25” x 10” 

Finished Size: 
8.25” x 3.75” 

Colors:

Front: Black
Back: None

Bleed: No 

Note: None 

Milestone Gold MasterCard Account 
Mid America Bank & Trust Company

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) 
for Purchases 
APR for Cash Advances 

24.9% 

29.9% 

Penalty APR and When It 
Applies 

29.9% 

This APR may be applied to your account if you: 

1. Make a late payment.

Paying Interest 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

Fees 
Set Up and Maintenance Fees 

How Long Will the Penalty Rate Apply?  If your APR is increased for the 
above reason, the Penalty APR may apply to your account indeﬁnitely. 
Your due date is at least 25 days after the close of each billing cycle.  We will 
not charge you any interest on purchases if you pay your entire balance by 
the due date each month.  We will begin charging interest on cash advances 
on the transaction date. 
If you are charged interest, the charge will be no less than $.50. 
To learn more about factors to consider when applying for or using a credit 
card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerﬁnance.gov/learnmore. 

NOTICE:  Some of these set up and maintenance fees will be assessed before 
you begin using your card and will reduce the amount of credit you initially 
have available.  Based on your initial credit limit of $300, your initial 
available credit will be only about $265. 

You may reject this plan, provided that you have not yet used the account or 
paid a fee after receiving a billing statement.  If you do reject this plan, you 
are not responsible for any fees or charges. 

• Annual Fee
Transaction Fees 

$35 the ﬁrst year; $35 thereafter 

•

•

Cash Advance Fee

$0 during the ﬁrst year; after the ﬁrst year, either  $5 or 5% of the amount of 
each transaction, whichever is greater (not to exceed $100) 

Foreign Transaction Fee

1% of each transaction 

Penalty Fees 

•

Late Payment Fee

• Overlimit Fee

• Returned Payment Fee

Up to $39 

Up to $39 

Up to $39 

How We Calculate Your Balance:  We use a method called “average daily balance (including new purchases)”.  See 
your Cardholder Agreement for more details. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in 
your Cardholder Agreement. 

JOB SPECS: 
Flat Size: 
8” x 22.5” 

Finished Size: 
8” x 3.75” 

Colors: 

Front: Black 
Back: Black 

Bleed: No 

Note: None 

Milestone® Gold Mastercard® Cardholder Agreement

F03-X898-8

Dear Cardholder: 
This Agreement, as defined below, is your contract for your Account and: 

•  Covers the terms that govern the use of your Milestone Gold 

Mastercard Account; 

•  Outlines both your responsibilities and ours; 
•  Includes certain disclosures required by the Federal Truth in 

Lending Act; 

•  Includes certain disclosures required by the Federal Military 

Lending Act; 

•  Includes an Arbitration of Disputes Provision that will substantially 

affect your rights unless you reject it, and; 

•  Contains important information about your Account. 

We encourage you to read the Agreement and keep it for your records. 
Please  feel  free  to  call  us  with  any  questions  you  may  have.  We  look 
forward to serving you.

CARDHOLDER AGREEMENT 

This  Agreement  contains  the  terms  that  govern  the  use  of  your  Milestone  Gold 
Mastercard Account and outlines both your responsibilities and ours. Please read it in its 
entirety and keep it for your reference. In addition, any written application, acceptance 
certificate  or  other  request  you  signed  or  otherwise  submitted  for  this  Account  (the 
“Application”), your Card and the Card Carrier that we send with your Card, and your 
signature  (including  any  electronic  or  digital  signature)  on  any  Application,  sales  slip 
or  other evidence of indebtedness on your Account, are hereby incorporated into and 
made a part of this Agreement. This Agreement begins on the earlier of (i) the date you 
sign  or  otherwise  submit  an  Application  that  is  approved  by  us,  or  (ii)  the  first  date 
that we extend credit to you on your Account, as evidenced by a signed sales slip or 
memorandum, a Cash Advance transaction, or otherwise. 

Definitions 
To  simplify  this  Agreement  for  you,  the  definitions  listed  below  will  apply  throughout, 
both  in  this  Agreement  and  in  your  monthly  Statements.  In  addition,  the  words  you, 
your, and yours refer to the Cardholder(s) who holds the Card and is responsible for the 
Account, each of whom is individually and jointly obligated under this Agreement. The 
words we, us, and our refer to The Bank of Missouri, St. Robert, 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. 
ATM: Automated Teller Machine. 
Authorized User: Person who may use the Card but is not responsible for the repayment 
of the Account. Person must be at least 16 years of age. 
Billing Cycle: The time interval covered by a monthly Statement. Each Billing Cycle is 
approximately 30 days in length; however, the specific period of time is described on 
each monthly Statement. Your Account will have a Billing Cycle even if a Statement is 
not required. 
Card: Any Milestone Gold 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  Limit:  The  maximum  amount  of  credit  available  to  you  on  your  Account.  Your 
Credit Limit will be disclosed on your Card Carrier and your monthly Statements. 
Purchase:  Any  extension  of  credit  to  your  Account  for  the  purpose  of  purchasing  or 
leasing goods or services from participating establishments. 
Statement:  A  monthly  document  we  provide  to  you  showing  Account  information 
including,  among  other  things,  Purchase  and  Cash  Advance  transactions,  credits  and 
debits,  payments,  fees,  and  interest  charges  made  to  your  Account  during  a  Billing 
Cycle. 

Purchases and Cash Advances 
You  may  use  your  Card  to  purchase  or  lease  goods  or  services  from  participating 
establishments.  You  may  also  use  your  Card  to  obtain  Cash  Advances  from  your 
Account at an ATM, or by presenting it to any institution that accepts the Card for that 
purpose. There are dollar limitations on individual Cash Advance transactions, and we 
may set a Cash Advance Limit for your Account. Please contact us for information about 
the Cash Advance limitations that apply to your Account. In addition, we may limit your 
Account to only one Cash Advance transaction per day. 
You promise to pay us and are liable for all amounts resulting from the authorized use 
of  your  Card  or  Account,  plus  any  applicable  interest  charges  and  other  applicable 
charges or fees, payable in U.S. dollars. This includes amounts where you did not sign 
a purchase slip or other documents for the transaction. If you use your Account number 
without presenting your actual Card, such as for mail, telephone, or internet purchases, 
this will be treated the same way as if you presented your Card. Your promise to pay us 
will apply to your estate if you die. 
We may limit and restrict the use of the Account/Card at our discretion. Such limitations 
and restrictions include, but are not limited to, gambling transactions, which include, but 
are not limited to, internet-related lottery tickets, casino gambling chips, off-track betting 
and wagers at racetracks. You remain responsible for use of your Account/Card in any 
such transactions. 
The Card may only be used for valid and lawful purposes. If you use, or you authorize 
someone else to use, the Card or Account for an unlawful or impermissible purpose, you 
will be responsible for such use and may be required to reimburse us or Mastercard for 
any amounts or expenses we or they incur as a result of such use. 
The Card is and remains our property, and you will surrender it to us at any time upon 
request. 

Your Credit Limit 
You may not use your Account in any way that would cause you to go over your Credit 
Limit. We may refuse to authorize or accept any transaction on your Account that would 
cause you to exceed your Credit Limit, even if you have authorized us to charge you an 
Overlimit Fee for doing so. We may temporarily agree to allow you to exceed your Credit 
Limit; however, in that case you must repay the excess amount according to the terms 
of this Agreement. Any transactions honored in excess of your Credit Limit will not result 
in an increase of your Credit Limit. We may at any time and without prior notice to you 
increase or decrease your Credit Limit, limit the Credit Limit for Cash Advances or take 
away your ability to obtain Cash Advances. 

MAKING PAYMENTS 

Monthly Statements 
We will send a Statement at the end of each monthly Billing Cycle if there is a debit or 
credit balance on your account of $1 or more, a balance on which an interest charge has 
been imposed, or as otherwise required by applicable law. You agree to pay us, or any 
party to whom we may transfer and assign your Account or the amounts owing under 
your Account, in U.S. dollars according to all terms and conditions of this Agreement. 
Payments made by a check, money order or other negotiable instrument must be in a 
form acceptable to us and drawn on a U.S. financial institution. 

Monthly Minimum Payment 
The Monthly Minimum Payment is 7% of your New Balance or $40, whichever is greater. 
If  you  elect  not  to  pay  your  New  Balance  in  full,  you  must  pay  at  least  the  Monthly 
Minimum Payment by the Payment Due Date shown on your Statement, which is at least 
25 days after the Closing Date of the Billing Cycle. Your Monthly Minimum Payment also 
will  include  any  past  due  amount  or  any  amount  by  which  the  New  Balance  exceeds 
your Credit Limit, whichever is greater. If your New Balance is less than or equal to your 
Monthly Minimum Payment, then your Monthly Minimum Payment will be equal to your 
New Balance. 
Payments  should  be  mailed  with  the  payment  coupon  and  in  the  envelope  provided 
and following the other instructions on the Statement to Genesis FS Card Services, P.O. 
Box 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. However, if your Payment Due Date 
occurs on a non-banking day, any payment received the next day which conforms to the 
above requirements will not be treated as late. Please allow at least seven (7) business 
days for postal delivery. Payments received by us at any other location or in any other 
form may not be credited as of the day we receive them. 
If we accept a payment at a place other than the address in the immediately preceding 
paragraph, we may delay the crediting of the payment for up to five (5) days. This may 
cause you to incur Late Payment Fees and additional interest charges, and may result in 
your Account being declared in default. 
We do not accept cash payments through the mail. You may not make payments with 
funds from your Account or any other credit account issued by us. 
When you provide a check as payment, you authorize us either to use information from 
your check to make a one-time electronic fund transfer from your account or to process 
the payment as a check transaction. When we use information from your check to make 
an electronic fund transfer, funds may be withdrawn from your account as soon as the 
same day we receive your payment and you will not receive your check back from your 
financial institution. 
At any time, you may pay part or all of the full amount you owe without incurring any 
additional charge for prepayment. The amount of any payment that exceeds your total 
New  Balance  will  be  applied  as  a  credit  to  your  Account,  and  any  remaining  credit 
balance will be refunded as required by law. 
Credit  availability  may  be  delayed  at  our  sole  discretion  to  ensure  payment  in  good 
funds. Your available credit on your Credit Limit may not reflect your payments for up 
to 14 days. 

Application of Payments 
For each Billing Cycle, payments up to the amount of your Monthly Minimum Payment 
will  be  allocated  in  any  way  we  determine,  including  to  balances  with  lower  Annual 
Percentage  Rates  before  balances  with  higher  Annual  Percentage  Rates.  We  will 
generally  apply  payments  up  to  the  amount  of  your  Monthly  Minimum  Payment  in  a 
manner most favorable or convenient for us. 
For  each  Billing  Cycle,  to  the  extent  your  payments  exceed  your  Monthly  Minimum 
Payment, we will apply these excess amounts in the order required by applicable law. 

HOW INTEREST CHARGES ARE DETERMINED 

Your interest charge for any Billing Cycle will include the following components, the total 
of which constitutes your total interest charge for the Billing Cycle: 
1.  A  Cash  Advance  Transaction  Fee  interest  charge  imposed  on  each  Cash  Advance 
transaction  posted  during  a  Billing  Cycle,  in  an  amount  equal  to  the  greater  of  $5 
or 5% of the amount of each Cash Advance. Any unpaid Cash Advance Transaction 
Fee interest charges will be added to the calculation of your Average Daily Balance 
of Cash Advances. We will not charge any Cash Advance Transaction Fees, however, 
during the one-year period beginning on the date you open your Account. 

2.  Periodic interest charge computed by applying the applicable Monthly Periodic Rate 
or Rates, determined as provided below under Computing the Purchase and Cash 
Advance Balance Monthly Periodic Rates and Corresponding Annual Percentage 
Rates (APR) to: 
a.  your  Average  Daily  Balance  of  Cash  Advances  (including  new  Cash  Advances); 

and 

b.  your Average Daily Balance of Purchases (including new Purchases). 
However, if the total of the amounts so computed is an amount less than $.50, then 
a minimum interest charge of $.50 will be imposed instead of such smaller amounts 
and will be treated as an interest charge on Purchases. 

3.  A Foreign Currency Conversion Fee interest charge in an amount equal to 1% of the 
converted  U.S.  dollar  amount  of  each  transaction,  including  Cash  Advances  and 
Purchases, that is effected in any currency other than U.S. dollars. 

When Interest Charges Begin to Accrue 
Interest charges on Purchases will be imposed at the applicable Monthly Periodic Rate 
from the date each Purchase is made, and will continue to accrue on unpaid balances as 
long as they remain unpaid. However, we do not assess interest charges in the following 
circumstances: 
1.  If you paid the New Balance at the beginning of your previous Billing Cycle by the 
Payment Due Date during the previous Billing Cycle, or if that New Balance was $0 or 
a credit balance, then: 
a.  if  you  pay  the  New  Balance  on  your  current  Statement  in  full  by  the  Payment 
Due  Date  in  your  current  Billing  Cycle,  we  will  not  assess  interest  charges  on 
Purchases during your current Billing Cycle; and 

b. if you make a payment that is less than the New Balance by the Payment Due Date 
in your current Billing Cycle, we will credit that payment as of the first day in your 
current Billing Cycle. 

2.  If you had a New Balance at the beginning of your previous Billing Cycle and you did 
not pay that New Balance by the Payment Due Date during that previous Billing Cycle, 
then we will not assess interest charges on any Purchases during the current Billing 
Cycle if you pay the New Balance at the beginning of your current Billing Cycle by the 
Payment Due Date in your current Billing Cycle. 

Periodic interest charges on Cash Advances will be imposed at the applicable Monthly 
Periodic  Rate  from  the  date  each  Cash  Advance  is  made  and  will  continue  to  accrue 
on unpaid balances as long as they remain unpaid. There is no grace period on Cash 
Advances and there is no period within which to pay to avoid interest charges on Cash 
Advances. 

Calculating the Purchase and Cash Advance Balance Subject to Interest Charges 
Average Daily Balance of Purchases (including new Purchases): To get the Average 
Daily Balance of Purchases, we take the beginning Purchase balance of your Account 
each  day,  including  unpaid  interest  charges  on  Purchases  and  Foreign  Currency 
Conversion Fee interest charges on Purchases, add any new Purchases as of the date 
of transaction, and subtract the applicable portion of any payments and credits as of the 
transaction date. On the first day of a Billing Cycle, we also add any unpaid Late Payment 
Fees, and Overlimit Fees. We add all other unpaid fees (including Annual Fees, Returned 
Payment Fees, and Foreign Currency Conversion Fees) to the Purchase balance on the 
day the fee is posted to your Account. This gives us the daily balance for Purchases. 
Then we add all these daily balances for the Billing Cycle together and divide the total 
by the number of days in the Billing Cycle. This gives us the Average Daily Balance of 
Purchases. 
Average Daily Balance of Cash Advances (including new Cash Advances): To get the 
Average Daily Balance of Cash Advances, we take the beginning Cash Advance balance 
of  your  Account  each  day,  including  unpaid  interest  charges  on  Cash  Advances  and 
Foreign Currency Conversion Fee interest charges on Cash Advances, add any new Cash 
Advances as of the date of transaction, add the Cash Advance Transaction Fee interest 
charge on any Cash Advances as of the transaction date of each Cash Advance, and 
subtract the applicable portion of any payments and credits as of the transaction date. 
This gives us the daily balance for Cash Advances. Then we add all these daily balances 
for  the  Billing  Cycle  together  and  divide  the  total  by  the  number  of  days  in  the  Billing 
Cycle. This gives us the Average Daily Balance of Cash Advances. 

Computing  the  Purchase  and  Cash  Advance  Balance  Monthly  Periodic  Rates  and 
Corresponding Annual Percentage Rates (APR) 
Monthly Periodic Rates: The Monthly Periodic Rate is calculated by dividing the APR 
by 12. The standard Purchase APR is 24.9% and the standard Monthly Periodic Rate for 
Purchases is 2.0750%. The standard Purchase APR and Monthly Periodic Rate will apply 
to Purchases unless the penalty APR and Monthly Periodic Rate apply, as described in 
the next paragraph. 
The  APR  and  Monthly  Periodic  Rate  for  Purchases  will  increase  if  we  do  not  receive 
any  Monthly  Minimum  Payment  within  60  days  of  the  date  and  time  due.  In  such 
circumstance, the penalty APR and Monthly Periodic Rate will apply to your Purchases, 
including new Purchases and existing Purchase balances. The penalty Purchase APR is 
29.9% and the penalty Monthly Periodic Rate for Purchases is 2.4916%. If we receive 
six  consecutive  Monthly  Minimum  Payments  when  due,  then,  starting  with  the  next 
Billing  Cycle,  the  penalty  APR  will  no  longer  apply  and  the  standard  APR  will  apply 
to  all  Purchases.  Otherwise,  the  penalty  rate  may  continue  to  apply  to  your  Account 
indefinitely. 
The Cash Advance APR is 29.9% and the Monthly Periodic Rate for Cash Advances is 
2.4916%. 

OTHER FEES 

In addition to interest charges, a variety of fees may be applied to your Account, as set 
forth below. 

Annual Fee 
We will charge an initial Annual Fee of $35 to your Account on or about the date your 
Account is opened and then a renewal Annual Fee of $35 on or about each anniversary 
of  that  date.  The  initial  Annual  Fee  is  nonrefundable;  the  renewal  Annual  Fee  is  also 
nonrefundable  unless  you  notify  us  to  cancel  your  Account  within  30  days  from  the 
mailing  date  of  the  billing  Statement  or  other  communication  containing  the  renewal 
Annual Fee notice. 

Late Payment Fee 
If we do not receive your Monthly Minimum Payment by the Closing Date of the Billing 
Cycle in which the Payment Due Date occurs and the amount past due on your Account 
is  more  than  $9.99,  we  will  charge  a  Late  Payment  Fee  to  your  Account.  The  Late 
Payment Fee is $28 if you were not charged a Late Payment Fee during any of the prior 
six Billing Cycles. Otherwise, the Late Payment Fee is $39. The Late Payment Fee will 
never exceed the amount of your most recently required Monthly Minimum Payment. 

Minimum Interest Charge Fee 
If  the  periodic  interest  charge  amounts  computed  in  the  How  Interest  Charges  Are 
Determined section are an amount less than $.50, then a Minimum Interest Charge Fee 
of $.50 will be charged instead of such smaller amounts and will be treated as a fee on 
your billing statement and added to your Purchases at our discretion. 

Returned Payment Fee 
If any payment on your Account is returned to us unpaid for any reason, we will charge 
a Returned Payment Fee to your Account. The Returned Payment Fee is $28 if you were 
not charged a Returned Payment Fee during any of the prior six Billing Cycles. Otherwise, 
the  Returned  Payment  Fee  is  $39.  The  Returned  Payment  Fee  will  never  exceed  the 
amount of your most recently required Monthly Minimum Payment. 

Overlimit Fee 
If  you  elected  to  have  overlimit  coverage,  we  may  charge  an  Overlimit  Fee  when  a 
transaction causes you to go over or remain over your Credit Limit during any Billing 
Cycle.  We  may  also  charge  you  two  additional  Overlimit  Fees  if  your  New  Balance 
remains over your Credit Limit as of the Payment Due Date in future Billing Cycles. We 
will only charge you one Overlimit Fee per Billing Cycle, even if you go over your Credit 
Limit  multiple  times  in  the  same  Billing  Cycle.  The  Overlimit  Fee  is  $28  if  you  were 
not charged an Overlimit Fee during any of the prior six Billing Cycles. Otherwise, the 
Overlimit Fee is $39. The Overlimit Fee will never exceed the maximum amount you are 
over your Credit Limit during the Billing Cycle. 

Documentation Fee 
You may request a copy of a Statement previously sent to you for a Documentation Fee 
of $3 per Statement, which will be applied to your Account. Copies of sales tickets or 
other items posted to your Account may be obtained for a Documentation Fee of $10 
per sales ticket or other item, which will be applied to your Account. Notwithstanding 
the foregoing, we will not impose any fee in connection with a good faith assertion of a 
billing error or other exercise of your Billing Rights (see below under “Your Billing Rights 
- Keep This Notice for Future Use”). 

MILITARY LENDING ACT 

The  Military  Lending  Act  provides  protections  for  Covered  Borrowers.  The  provisions 
of this section apply to Covered Borrowers. If you would like more information about 
whether you are a Covered Borrower, you may contact us at 1-866-946-9545. 

Statement of MAPR 
Federal law provides important protections to members of the Armed Forces and their 
dependents relating to extensions of consumer credit. In general, the cost of consumer 
credit to a member of the Armed Forces and his or her dependent may not exceed an 
Annual  Percentage  Rate  of  36%.  This  rate  must  include,  as  applicable  to  the  credit 
transaction or account: (1) the costs associated with credit insurance premiums; (2) fees 
for ancillary products sold in connection with the credit transaction; (3) any application 
fee  charged  (other  than  certain  application  fees  for  specified  credit  transactions  or 
accounts); and (4) any participation fee charged (other than certain participation fees 
for a credit card account). 

Oral Disclosures 
In order to hear important disclosures and payment information about this Agreement, 
you may call 1-866-875-5929. 

Applicability of Arbitration of Disputes Provision 
The Arbitration of Disputes Provision set forth in this Agreement does not apply to you if, 
as of the date of this Agreement, you are a Covered Borrower. 

LOST CARDS AND UNAUTHORIZED USE 

You will take reasonable steps to prevent the unauthorized use of your Card and Account. 
If your Card is lost or stolen or if someone else might be using it without your permission, 
you must tell us at once. You may tell us by calling the telephone number on the back of 
your Card or on your Statement or by writing us at the address on your Statement. You 

. . . CONTINUED ON REVERSE

 
will not be responsible for the charges made to your Account that are found by us to be 
unauthorized. If we reimburse your Account for unauthorized charges made using your 
Card or Account, you will help us investigate, pursue, and get reimbursement from the 
wrongdoer. Your help includes giving us documents that we ask for and are acceptable 
to us. 

Entire Agreement; Interpretation 
This Agreement (including other documents incorporated herein by reference) constitutes 
the final expression of the credit agreement between you and us relating to your Account. 
The headings used in this Agreement are for the convenience of reference only and are 
not intended to define or describe the scope or intent of any portion of the Agreement. 

OUR RIGHTS AND HOW THEY AFFECT YOU 

Telephone Monitoring and Recording; Communications 
You consent and agree that, except as restricted by applicable law, we may monitor or 
record  telephone  calls  regarding  your  Account,  suppress  caller  identification  services 
and use an automated dialing and announcing system. If you provide us with a cellular 
phone  number  either  as  part  of  your  application,  or  at  any  time  thereafter,  including, 
without limitation, after your Account is in a default status, you are expressly consenting 
that we and our agents may (i) contact you at that number including by text message, 
and (ii) use automated telephone dialing systems to initiate such contacts and/or leave 
recorded messages. 
If you provide us at any time with an email contact for your Account, you agree we may 
use that email address to contact you about your Account and may send you information 
about products and services related to your Account. 
We  or  our  representatives  may  contact  you  from  time  to  time  regarding  the  Account, 
or  to  ask  for  additional  information  about  you  or  your  experience  with  us.  You  agree 
that such contacts are not unsolicited and may include contacts at your home or place 
of  employment,  during  weekdays,  weekends  or  holidays,  on  your  mobile  telephone, 
voicemail or answering machine, or by email, fax, recorded message, text message or 
personal visit. 

Merchant Refunds 
If a merchant agrees to give you a refund for goods or services purchased with your Card 
or Account, you will accept a credit on your Account instead of a cash refund. We do 
not control when a merchant sends us your refund and we will have reasonable amount 
of time after we receive your refund to process it. 

No Waiver of Rights; Disputed Amounts 
We  can  accept  late  or  partial  payments  without  losing  any  of  our  rights  under 
this  Agreement.  You  agree  not  to  send  us  partial  payments  marked  “paid  in  full,” 
“without recourse,” or similar language. If you send such a payment, we may accept 
it without losing any of our rights under this Agreement. All written communications 
concerning disputed amounts, including any check or other payment instrument that 
indicated that the payment constitutes “payment in full” of the amount owed or that 
is tendered with other conditions or limitations or as full satisfaction of a disputed 
amount, must be mailed or delivered to Genesis FS Card Services, P.O. Box 4499, 
Beaverton, 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. 

Notice of Inaccurate Information 
If  you  believe  that  we  have  information  about  you  that  is  inaccurate  or  that  we  have 
reported  or  may  report  to  a  credit  reporting  agency  information  about  you  that  is 
inaccurate, please notify us of the specific information that you believe is inaccurate by 
writing to us at Genesis FS Card Services, P.O. Box 4499, Beaverton, OR 97076. 

Default and Collection 
Unless prohibited by applicable law, your Account is considered to be in default if (1) you 
fail to make the required Monthly Minimum Payment on or before the Payment Due Date, 
including if your payment is returned or cannot be processed and you do not correct 
that failure within 31 days, (2) you try to exceed or do exceed your Credit Limit without 
permission and do not bring your Account back under your Credit Limit within 31 days, 
(3)  you  become  subject  to  bankruptcy  or  insolvency  proceedings,  (4)  you  become 
subject to attachment or garnishment proceedings, (5) you give us any false information 
or signature, (6) you die, or (7) you fail to comply with any portion of this Agreement. 
Our accepting a late or partial payment does not waive default. Default on this Account 
will constitute default on all accounts you hold with us. Subject to any notice of default 
and  right  to  cure  or  other  restrictions  of  applicable  law,  if  you  are  in  default,  we  may 
declare the entire balance due immediately. You agree to pay our reasonable costs and 
attorneys’  fees  and  expenses  related  to  the  collection  of  your  Account,  and  retrieving 
your Card, to the extent permitted by applicable laws. 

Change of Terms 
Subject to the limitations of applicable law, we may, at any time, change or remove 
any of the terms and conditions of, or add new terms or conditions to, this Agreement. 
If required by applicable law, we will mail written notice of such a change to you in 
the manner required by such law. As of the effective date, the changed or new terms 
will apply to new Purchases and Cash Advances and also to the outstanding balance 
of your Account, subject to the limitations of applicable law. 

Delay in Enforcement 
We can delay enforcing our rights under this Agreement without losing them. 

OTHER PROVISIONS 

Ownership and Use of Your Card 
As the Cardholder(s), you are liable for all credit obtained under your Account. If you or 
an Authorized User authorizes another person to use your Card, you are liable for any 
credit obtained on your Account for as long as that person holds the Card. In addition, 
you  will  remain  liable  until  you  recover  possession  of  the  Card.  Misuse  of  your  Card 
by an authorized person will not be considered unauthorized use. See “Lost Cards and 
Unauthorized  Use”  above.  Upon  demand,  you  must  immediately  return  any  Card  we 
supply to you or destroy the Card by cutting it in half. 

Authorized Users 
You may ask us to add an Authorized User to your Account. If we agree to your request, 
we  will  issue  a  Card  to  the  Authorized  User.  We  may  discuss  your  Account  with  an 
Authorized User and provide them with Account information. You will be responsible for 
the Authorized User’s use of the Card and Account as well as anyone else they allow to 
use your Card or Account. This will be true even if you did not want, or agree to, the use. 

Removing an Authorized User 
If you want to remove an Authorized User from your Account, you must contact us and 
request their removal. We will have a reasonable amount of time after we receive your 
request to remove them. You also must immediately destroy all Cards in their possession 
and cancel all of their billing arrangements to the Account. We will not do this for you. 
During this time, you still will be responsible for all amounts they, or another person they 
authorize to use the Card, charge to the Account. You will be responsible even if these 
amounts do not appear on your Account until later.
An Authorized User may remove themselves from the Account upon their request. 

Transactions 
You will retain for Statement verification your copy of each Purchase slip, Cash Advance 
or other transaction to your Account. 

Transfer of Your Account 
You may not transfer your Account to any other person. We may assign your Account 
or amounts owing under your Account to any other person at any time and the assignee 
will  take  our  place  under  the  Agreement  with  respect  to  all  agreements  and  interests 
transferred. You must pay the assignee and otherwise perform your obligations under 
the assigned agreements and interests. 

Closing or Suspending Your Account 
We may close or suspend your Account or your ability to obtain credit on your Account, 
or both, at any time, for any reason permitted by law and with or without advance notice. 
You may close your Account at any time by contacting us. The closure of Account will 
not become effective until you have returned to us all of the Cards we have given you. 
If you have a joint Account and want to remove one of the names from the Account, we 
must receive a written request signed by both of the Cardholders on the Account and all 
Cards must be returned upon request. No party is released from the obligation for the 
balance owing on a joint Account, unless we agree to the arrangements in writing. You 
may have to reapply for a new Card for an individual Account when you request a change 
from a joint Account to an individual Account. 
If your Account is closed or suspended for any reason, you must stop using your Card. 
You must also cancel all billing arrangements to the Account. We will not do this for you. 
If we close or permanently suspend your Account, you must also return all Cards to us. 
You must still pay us all amounts you owe on the Account, even if they are charged after 
your Account is closed or suspended. 

Additional Benefits and Services 
From time to time, we may offer you benefits and services with your Account. These 
benefits and services may be provided by us or third parties. Unless expressly made 
a part of this Agreement, and except as provided in the Arbitration of Disputes section 
below, any such benefits and services are not a part of this Agreement, and are subject 
only to the terms and conditions outlined in the benefits or services brochure and other 
official documents provided to you with respect to the benefits and services. We may 
adjust, add, or delete benefits or services at any time in accordance with the brochures 
or documents you receive. Except as required by applicable law, we are not liable for 
benefits or services provided by third parties or the actions or omissions of those third 
parties. 

Foreign Currency Conversion 
Payment must be made in U.S. Dollars for charges you incur in any other currency. If 
you effect a transaction with your Card in a currency other than U.S. Dollars, Mastercard 
International  Incorporated  (“Mastercard”)  will  convert  the  charge  into  a  U.S.  Dollar 
amount. Mastercard will act in accordance with its operating regulations or conversion 
procedures in effect at the time that the transaction is processed. Currently the currency 
conversion rate used by Mastercard to determine the transaction amount in U.S. Dollars 
for  such  transactions  is  generally  either  a  government  mandated  rate  or  a  wholesale 
rate  determined  by  Mastercard  for  the  processing  cycle  in  which  the  transaction  is 
processed. The currency conversion rate used by Mastercard on the processing date 
may differ from the rate that would have been used on the Purchase date or monthly 
Statement posting date. We will also assess a Foreign Currency Conversion Fee interest 
charge as described in the “How Interest Charges are Determined” section. 

Honoring Your Card 
We are not responsible if anyone refuses to accept your Card or Account for any reason. 
Although you may have credit available, we may decline any transaction for any reason. 
We are not liable for any refusal to honor your Card or Account. 
From time to time, due to circumstances beyond our control (such as system failures, 
natural  disasters,  or  other  unpredictable  events),  our  services  may  not  be  available. 
When this happens, you may be unable to use your Card or obtain information about 
your Account. We will not be responsible or liable if this happens. 

Change of Address, Employment and Telephone 
We will send all written notices and Statements to your address as it appears on our 
records. To avoid delays and missed payments that could affect your credit standing, 
you  agree  to  promptly  advise  us  if  you  change  your  mailing  address,  place  of 
employment, or telephone number. 

Severability 
In  the  event  that  any  provision  of  this  Agreement  is  determined  to  be  invalid  or 
unenforceable for any reason, the remaining provisions will remain in effect. 

Governing Law 
This  Agreement  is  controlled  and  governed  by  the  laws  of  the  State  of  Missouri, 
including Missouri Revised Statutes (Chapter 408 Legal Tender and Interest) Section 
408.145, except to the extent that such laws are inconsistent with controlling federal 
laws. 

Arbitration of Disputes Provision 
PLEASE  READ  THIS  ARBITRATION  OF  DISPUTES  PROVISION  CAREFULLY.  UNLESS 
YOU SEND US THE REJECTION NOTICE DESCRIBED BELOW, THIS PROVISION WILL 
APPLY  TO  YOUR  ACCOUNT,  AND  MOST  DISPUTES  BETWEEN  YOU  AND  US  WILL 
BE  SUBJECT  TO  INDIVIDUAL  ARBITRATION.  THIS  MEANS  THAT:  (1)  NEITHER  A 
COURT  NOR  A  JURY  WILL  RESOLVE  ANY  SUCH  DISPUTE;  (2)  YOU  WILL  NOT  BE 
ABLE  TO  PARTICIPATE  IN  A  CLASS  ACTION  OR  SIMILAR  PROCEEDING;  (3)  LESS 
INFORMATION  WILL  BE  AVAILABLE;  AND  (4)  APPEAL  RIGHTS  WILL  BE  LIMITED. 
THIS ARBITRATION OF DISPUTES PROVISION DOES NOT APPLY TO YOU IF, AS OF 
THE DATE OF THIS AGREEMENT, YOU ARE A MEMBER OF THE ARMED FORCES OR 
A DEPENDENT OF SUCH MEMBER ENTITLED TO PROTECTION UNDER THE FEDERAL 
MILITARY LENDING ACT. PLEASE SEE THE SECTION OF THIS AGREEMENT LABELED 
“MILITARY  LENDING  ACT.”  IF  YOU  WOULD  LIKE  MORE  INFORMATION  ABOUT 
WHETHER  YOU  ARE  ENTITLED  TO  PROTECTION  UNDER  THE  FEDERAL  MILITARY 
LENDING ACT, YOU MAY CONTACT US AT 1-866-946-9545. 
This  provision  replaces  any  existing  arbitration  provision  with  us  and  will  stay  in 
force no matter what happens to your Account, including the closing of your Account. 
Except  as  expressly  provided  below,  you  and  we  must  arbitrate  individually,  by 
binding arbitration under the Federal Arbitration Act (“FAA”), any dispute or claim 
between  you  and  any  joint  cardholder, on  the  one  hand,  and  us,  our  affiliates  and 
agents, on the other hand, if the dispute or claim arises out of or is related to (a) 
this  Agreement  (including  without  limitation,  any  dispute  over  the  validity  of  this 
Agreement  to  arbitrate  disputes  or  of  this  entire  Agreement),  or  (b)  your  Account, 
or (c) any relationship resulting from this Agreement, or (d) any insurance or other 
service related to your Account, or (e) any other agreement related to your Account 
(including prior agreements) or any such service, or (f) breach of this Agreement or 
any other such agreement, whether based on statute, contract, tort or any other legal 
theory (any “Claim”). However, we will not require you to arbitrate: (1) any individual 
Claims in small claims court or your state’s equivalent court, so long as it remains 
an individual case in that court; or (2) any Claim by us that only involves our effort 
to  collect  money  you  owe  us.  However,  if  you  respond  to  a  collection  lawsuit  by 
claiming that we engaged in wrongdoing, we may require you to arbitrate. 
YOU  AGREE  NOT  TO  PARTICIPATE  IN  A  CLASS,  REPRESENTATIVE  OR  PRIVATE 
ATTORNEY GENERAL ACTION AGAINST US IN COURT OR ARBITRATION. ALSO, YOU 
MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY CARDHOLDER WHO IS NOT 
A JOINT CARDHOLDER WITH YOU OR AN AUTHORIZED USER ON YOUR ACCOUNT (AN 
“UNRELATED CARDHOLDER”), AND YOU AGREE THAT NO UNRELATED CARDHOLDER 
MAY  BRING  ANY  CLAIMS  AGAINST  US  ON  YOUR  BEHALF.  CLAIMS  BY  YOU  AND 
AN  UNRELATED  CARDHOLDER  MAY  NOT  BE  JOINED  IN  A  SINGLE  ARBITRATION. 
THE  ARBITRATOR  WILL  NOT  HAVE  THE  POWER  TO  CONSIDER  SUCH  CLASS, 
REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTIONS OR ANY SUCH CLAIMS 
YOU BRING ON BEHALF OF AN UNRELATED CARDHOLDER. 
Judgment  on  the  arbitration  award  may  be  entered  in  any  court  having  jurisdiction. 
Any dispute regarding whether a particular controversy is subject to arbitration will be 
decided by 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. 
If you or we elect to arbitrate a claim, the electing party must notify the other party in 
writing.  The  notice  can  be  given  after  the  beginning  of  a  lawsuit  and  can  be  given  in 
papers  filed  in  the  lawsuit.  Otherwise,  your  notice  must  be  sent to  Genesis FS  Card 
Services, Attn: Arbitration Demand, P.O. Box 4477, Beaverton, Oregon 97076, and our 
notice must be sent to the most recent address for you in our files. The arbitration will 
be administered by the American Arbitration Association (the “AAA”) under its rules in 
effect  at  the  time  an  arbitration  is  commenced  that  are  applicable  to  the  resolution  of 
consumer disputes (the “Arbitration Rules”). We will tell you how to contact the AAA and 
how to get a copy of the Arbitration Rules without cost if you ask us in writing to do so. 
The Arbitration Rules permit you to request deferral or reduction of the administrative 
fees of arbitration if paying them would cause you a hardship. In addition, if you ask us 
in writing, we will consider your request to pay any or all of your costs of arbitration. 
Each arbitrator shall be a licensed attorney who has been engaged in the private practice 
of  law  continuously  during  the  ten  years  immediately  preceding  the  arbitration  or  a 
retired judge of a court of general or appellate jurisdiction. The arbitration award shall 
award only such relief as a court of competent jurisdiction could properly award under 
applicable law, including attorneys’ fees if allowed by applicable law or agreement, and 
may  award  to  the  prevailing  party  all  pre-  and  post-award  expenses  of  arbitration.  All 
statutes of limitation, defenses, and attorney-client and other privileges that would apply 
in a court proceeding will apply in the arbitration. The filing of a demand for arbitration in 
accordance with the Arbitration Rules will be deemed the commencement of an action 
for purposes of any applicable statute of limitations. 
If any provision of this Section regarding arbitration of disputes shall be deemed to be 
unenforceable, the remainder of this Section shall be given full force and effect. However, 
if  the  provision  precluding  class,  representative  or  private  attorney  general  Claims  in 
arbitration is deemed unenforceable, then this entire Arbitration Agreement shall be void 
and of no force and effect. 
You may reject this provision, in which case only a court may be used to resolve any 
dispute or claim. Rejection will not affect any other aspect of the Cardholder Agreement. 
To reject this Provision, you must send us a notice within 60 days after you open your 
Account  or  we  first  provide  you  with  a  right  to  reject  this  Provision.  This  notice  must 
include  your  name,  address  and  Account  number  and  be  mailed  to  Genesis  FS  Card 
Services,  Attn:  Arbitration  Provision,  P.O.  Box  4477,  Beaverton,  Oregon  97076-4477. 
This is the only way you can reject this Provision. 

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE 

This  notice  tells  you  about  your  rights  and  our  responsibilities  under  the  Fair  Credit 
Billing Act. 

What To Do If You Think You Find A Mistake On Your Statement 
If you think there is an error on your Statement, please write to us at: Genesis FS Card Services, 
P.O. Box 4499, Beaverton, OR 97076. 
In your letter, give us the following information: 

•  Account information: Your name and Account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If you think there is an error on your bill, describe what 

you believe is wrong and why you believe it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your Statement. 
•  At least three (3) business days before an automated payment is scheduled, if 

you want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we 
are not required to investigate any potential errors, and you may have to pay the amount 
in question. 

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. 

We will also tell you if we have already corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain 

to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that 

amount. 

•  The charge in question may remain on your Statement, and we may continue to 

charge you interest on that amount. 

•  While you do not have to pay the amount in question, you are responsible for the 

remainder of your balance. 

•  We can apply any unpaid amount against your credit Limit. 
After we finish our investigation, one of two things will happen: 

•  If  we  made  a  mistake:  You  will  not  have  to  pay  the  amount  in  question  or  any 

interest or other fees related to that amount. 

•  If  we  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the  amount 
in  question,  along  with  applicable  interest  and  fees.  We  will  then  send  you  a 
Statement  of  the  amount  you  owe  and  the  date  payment  is  due.  We  may  then 
report you as delinquent if you do not pay the amount we think you owe. 
If you receive our explanation but still believe your bill is wrong, you must write to us 
within 10 days telling us that you still refuse to pay. If you do so, we cannot report you 
as delinquent without also reporting that you are questioning your bill. We must tell you 
the  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those 
organizations know when the matter has been settled between us. If we do not follow 
all of the rules above, you do not have to pay the first $50 of the amount you question, 
even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your 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 Genesis FS Card Services, P.O. Box 4499, Beaverton, OR 97076-4499. 
While we investigate, the same rules apply to the disputed amount as discussed above. 
After we finish our investigation, we will tell you our decision. At that point, if we think 
you owe an amount and you do not pay, we may report you as delinquent. 

The Card issuer: 
The Bank of Missouri 
434 Highway Y 
St. Robert, MO 65584 

F03-X898-8