How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
                                                                                   �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
                                                                                   additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
                                                                                                                           You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
                                                                                   Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
                                                                                   how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
                                                                                   conditions below.
                                                                                                                                                                   bankruptcy or insolvency proceedings; (v) become subject to 
                                                                                                                           YOUR CREDIT LIMIT You agree not to use your Account in any way 
                                                                                   U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The                             attachment or garnishment proceedings; (vi) give us any misleading, 
                                                                                                                           that would cause you to go over your Credit Limit. We may refuse to 
                                                                                   provisions titled �Honor Your Account,� �Postdated Checks,                      false, incomplete or incorrect information or false or fraudulent 
                                                                                                                           authorize or accept any transaction on your Account that would 
                                                                                   Restrictive Endorsements Checks and Other Disputed or                           signature; (vii) die; or (viii) fail to comply with any term of this 
                                                                                                                           cause you to exceed your Credit Limit. We may establish different 
                                                                                   Qualified Payments,� �Changes in Terms� and �Arbitration                        Agreement or any other agreement that you have with us. Subject to 
                                                                                                                           Credit Limits for different features of your Account in addition to a 
                                                                                   Provision.�                                                                     any notice of default and right to cure or other limitation of applicable 
                                                                                                                           general (total) Credit Limit. If you exceed your Credit Limit, you must 
                                                                                                                                                                   law, if you are in default, we may, in addition to any other rights that 
                                                                                   GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
                                                                                                                                                                   we may have under this Agreement: (a) reduce your Credit Limit or 
                                                                                   use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
                                                                                                                                                                   cancel your Account; (b) require you to pay your entire Account 
                                                                                   Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
                                                                                                                                                                   balance (including accrued but unpaid interest and any other fees 
                                                                                   �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
                                                                                                                                                                   and charges provided for in this Agreement) immediately; and/or (c) 
                                                                                   member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
                                                                                                                                                                   bring an action to collect all amounts owed.
                                                                                   and representatives. �You,� �your� and �Cardholder� refer to the 
                                                                                   person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
                                                                                   appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
                                                                                   refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
                                                                                   otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
       CARDHOLDER                                                                  a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
                                                                                   Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
                                                                                   Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
        AGREEMENT                                                                  other written documents (including any electronic record) evidencing 
                                                                                                                           record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
                                                                                   any transactions made under your Account and any notices that we 
                                                                                                                           established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
                                                                                   send to you with your Agreement are part of and incorporated into 
                                                                                                                           in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
                                                                                   this Agreement. Please read and keep these documents for your 
                                                                                                                           account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
                                                                                   records. This Agreement begins on the earlier of (a) the date we 
                                                                                                                                                                   payment due date following the effective date of the increase.
       NY RESIDENTS: RETAIL                                                        finally approve your Application for credit or (b) the first date that we 
                                                                                   extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
        INSTALMENT CREDIT                                                          This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
                                                                                   �Arbitration Provision� below).         on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
           AGREEMENT                                                                                                       Credit Limit increase requests.         amount of credit available to you at any time, with or without cause, 
                                                                                   ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,                      subject to applicable limitations of law. We may terminate further 
                                                                                   your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
                                                                                   evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
                                                                                                                                                                   that time. You may close your Account by writing to us at Account 
                                                                                   USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
                                                                                   lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
                                                                                   orders) from participating establishments (each a �Purchase�) up to             this Agreement will continue to apply to any balance that you owe us 
                                                                                                                           certain qualifying transactions. The period of time that special terms 
                                                                                   any credit limit we may establish for you (your �Credit Limit�). You            until you have paid everything you owe, including any interest and 
                                                                                                                           may be available may be limited. Information specific to any special 
                                                                                   may use your Account only for personal, family, or household                    fees due. Account cancellation may adversely affect your credit 
                                                                                                                           terms will be provided at the time of offer. If you use your Account to 
                                                                                   purposes. You may not use your Card or your Account for any illegal             history.
                                                                                                                           enter into a qualifying transaction, you will be deemed to have 
                                                                                   transaction or any gambling transaction. We may decline 
                                                                                                                           acknowledged and agreed to the terms disclosed at the time of the 
                                                                                   transactions for any reason, including: operational matters, default,           STATEMENTS We will send you a Statement for each monthly billing 
                                                                                                                           offer, which terms may modify or differ from the regular terms of this 
                                                                                   or suspected fraudulent or unlawful activity. Transactions above a              cycle in which (i) the balance of your Account (including unpaid 
                                                                                                                           Agreement. No formal amendment of this Agreement will be 
                                                                                   certain dollar amount may require authorization by us before the                Purchases and Cash Advances, interest and other fees and charges) 
   These Account Disclosures are part of your Cardholder                           transaction can be approved. We will not be liable for the failure to  necessary and all terms of this Agreement will remain applicable 
                                                                                                                           except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
                                                                                   authorize credit because of operational difficulties or mistakes. We 
   Agreement and contain important information about current                                                               offer. If at any time you fail to comply with the terms of this Agreement  $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
                                                                                   may limit the number and amount of transactions approved in one 
   rates and fees applicable to your Account. See the remaining                                                                                                    other activity on your Account or (iv) as otherwise required by 
                                                                                   day for security reasons, without any liability to you. We are not  as modified by the special terms of an offer or are otherwise in default 
   Agreement for additional terms and conditions governing                         responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
                                                                                                                           immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
   your Account and for definitions of terms used herein.                          HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
   Disclosures are accurate as of July 2016.                                       refusal of a participating establishment to honor your Account. law.            (the �Payment Due Date�).
   PAYMENT REQUIREMENTS AND CREDITING      Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
                                           any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
   Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
   shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
   Statement. You may at any time pay off your entire balance in full              any check or other payment instrument that indicates that the                   or other information provided in your Application or otherwise 
   or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
   additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
   Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
   each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
   your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
   opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
   greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
                                                                                   without losing any of our rights under the credit agreement governing           this Agreement and subject to the requirements of applicable 
   New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
                                                                                   your Account. (A postdated check is a check dated later than the day            law: (i) terminate this Agreement; (ii) terminate your right to 
   than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
                                                                                   it was actually presented for payment.) We are under no obligation to           make future Purchases; (iii) change your Credit Limit; or (iv) add 
   may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
                                                                                   hold a postdated check and we reserve the right to process every                new terms or delete or change any terms and conditions of this 
                                           to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
   Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
                                                                                   processor unless you give us adequate notice and a reasonable                   non-variable to a variable periodic rate, increasing any rate of 
   in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
                                                                                   opportunity to act on it. Except where such notice and opportunity is           interest, increasing or adding fees or charges, changing the 
   following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
                                                                                   given, you may not hold us liable for depositing any postdated check.           method of computing the balance upon which interest is 
   (EFTs) by debit entries drawn on the bank account, debit or credit  damages.                                            Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
   card you have identified to us in your application for this Account or                                                  avoidable or refundable and you will be responsible for paying any 
                                                                                   INTEREST                                                                        accrue). Changes that are favorable to you may be made at any 
   any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
   Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to                                factors including, but not limited to, anti-fraud policies and 
                                                                                   Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
   have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified                                  procedures, your record of making timely payments and staying 
                                                                                   assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
   Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front                                    within your established Credit Limit on your Account with us, 
                                                                                   monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
   payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of                              your credit score and information contained in your credit 
                                                                                   percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
   Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make                               report and your proper maintenance of any checking account 
                                                                                   (corresponding APR of 29.99%).          website that we designate or otherwise), then, to the extent not 
   electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment                   used to make your automatic payments, if applicable.
                                                                                                                           prohibited by law, we may send notices concerning the availability of 
   and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
                                                                                   Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
   your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment                             When required by applicable law, we will provide you with written 
                                                                                   Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
   the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment                                  notice of a new or deleted term or change in terms and offer you the 
                                                                                   �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
   monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic                                    right to reject terms in the manner specified at the time of notice. No 
                                                                                   we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
   receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional                               new term or change in the terms of this Agreement will affect your 
                                                                                   transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
   month on or after the Payment Due Date shown on your monthly  payment received.                                                                                 obligation to pay all amounts owing under this Agreement.
                                                                                   other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
   statement. (3) You agree that in the event any debit is rejected or 
                                                                                   us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
   dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other                                ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
                                           written instrument, all payments, except disputed amounts, must be  those daily balances for the billing cycle and divide the total by the  law.
   have provided us with all necessary information for the Bank Account                                                                                            any portion of your Account and all or any portion of our rights under 
   that you wish us to debit and the Bank Account on which the  mailed or delivered to us at the address for payments shown on your  number of days in the billing cycle. This gives us the �average daily 
                                                                                   balance� for that type of balance.      MONITORING AND RECORDING To ensure that you receive quality  this Agreement to any other person without prior notice to you. You 
   Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
   open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
   information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
                                                                                                                           It is our goal to provide prompt, consistent assistance and deliver 
   comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
                                                                                                                           accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
   Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
   until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
   Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
                                                                                                                           ELECTRONIC AND OTHER MEANS  We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
   may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
   telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
   any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
   advance to allow us and your financial institution a reasonable                 to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
   opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
   keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
   Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
   in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
   Payment Plan. Also, if there are insufficient funds in your Bank  balances.     promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
   Account to process any payment, your enrollment in the Automatic                by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
   Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
   responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
   institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
   get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
   that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
   notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
   handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
   close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
                                           individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
   CREDIT REPORTS AND INFORMATION          equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
                                           claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
   Credit Reports You authorize us to make or have made any credit,                                                        enforce our rights or remedies at any one time, we may enforce them 
                                           party may elect arbitration.            costs and expenses, including reasonable attorneys� fees, incurred by 
   employment or other investigative inquiries we deem appropriate to              the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
   renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
   also may obtain follow-up credit reports on you for any lawful purpose          the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the 
                                           OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING                                                                              Agreement. Reasonable attorney's fees will be awarded to you if you 
   as long as you have an outstanding balance.                                                                             Arbitration Provision, if any provision of this Agreement is finally 
                                           ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT  filing fee. You may seek a waiver of the initial filing fee or any other fees  prevail in any action, suit or proceeding brought by us; or an action 
                                                                                                                           determined to be void or unenforceable under applicable law, rule or  brought by you. If you successfully assert a partial defense or set-off, 
                                           TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  incurred in arbitration. If you seek, but do not qualify for, a waiver, we 
                                                                                                                           regulation, all other provisions of this Agreement shall still be valid 
   Information Sharing You acknowledge and agree that we may                       will consider any written request by you for us to pay or reimburse you         recoupment or counterclaim to an action brought by us the court may 
                                           ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY                             and enforceable.
   share information about you with others in accordance with our                                                                                                  withhold from us the entire amount or such portion of the attorney 
                                           (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE  for all or part of such fees. Each party will pay for its respective 
   Privacy Notice (a copy of which we will provide to you and may be                                                                                               fees as the court considers equitable.
                                           OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  attorneys�, experts� and witness fees, regardless of which party 
                                                                                                                           Certain provisions of this Agreement are stated as being subject to 
   obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
                                                                                                                           applicable law. Such provisions may be void, unenforceable or 
   time to time).                                                                  another party if the arbitrator, applying applicable law, so determines.        NJ RESIDENTS: Because certain provisions of this agreement are 
                                           OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS                                  inapplicable in some jurisdictions.
                                           ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY  Allocation of fees and costs relating to appeals in arbitration will be  subject to applicable law, they may be void, unenforceable or 
   Notice of Inaccurate Information If you believe that we have                                                                                                    inapplicable in some jurisdictions. None of these provisions, 
                                           CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  ENTIRE AGREEMENT This Agreement, including any other written, 
   information about you that is inaccurate or that we have reported or            fees that apply to an arbitration proceeding with JAMS, please visit            however, is void, unenforceable or inapplicable in New Jersey.
                                           CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR                                   oral or electronic document incorporated into and made a part of this 
   may report to a credit reporting agency information about you that is           http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
                                           OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE                                 Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
   inaccurate, please notify us of the specific information that you               http://www.adr.org/consumer_arbitration. The appropriate fee 
                                           AVAILABLE IN ARBITRATION. Except as set forth below, the                        your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
   believe is inaccurate by writing to us at Account Services, P.O. Box            schedule in effect from time to time is hereby incorporated by 
                                           arbitrator�s decision will be final and binding. Only a court may               agreement between you and us relating to your Account. If there is  regarding the status of your account.
   105555, Atlanta, GA 30348-5555.                                                 reference into this Arbitration Provision. The cost of arbitration may be 
                                           decide the validity of items (iii) and (iv) above. If a court holds that        any conflict between any one of these documents and this 
                                                                                   higher or lower than the cost of bringing your Claim in court, depending 
                                           items (iii) or (iv) are limited, invalid or unenforceable, then this entire     Agreement, the terms of this Agreement control. This Agreement 
                                                                                                                                                                   NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
   ARBITRATION PROVISION (AGREEMENT TO ARBITRATE                                   upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
                                           Arbitration Provision will be null and void. You or we can appeal any 
   CLAIMS) Except as otherwise stated below, if you or we so choose,               Having more than one Claim and holding face to face hearings can  of this Agreement.
                                           such holding. If a court holds that any other part(s) of this Arbitration                                               BUYER/CARDHOLDER Your name and address, our name and 
   any Claim (as defined below) will be resolved by binding arbitration            increase the cost of arbitration. Again, neither you nor we will be 
                                           Provision (other than items (iii) and (iv)) are invalid, then the                                                       address and the date on any Application or any other document or 
   pursuant to (a) this Arbitration Provision and (b) the Code of                  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
                                           remaining parts of this Arbitration Provision will remain in force. An                                                  record you sign in connection with your Account are incorporated 
   Procedure of the national arbitration organization to which the Claim           individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
                                           arbitrator will decide all other issues pertaining to arbitrability, validity,                                          here and made a part of this Agreement and represent your name 
   is referred (as in effect when the Claim is filed). Claims will be              Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
                                           interpretation and enforceability of this Arbitration Provision. The                                                    and address, our name and address, and the date on this 
   referred to either Judicial Arbitration and Mediation Services                  with respect to persons who use your Account. governed by and construed in accordance with applicable 
                                           decision of an arbitrator is as enforceable as any court order and may                                                  Agreement. The electronic record of your transmission of an Unique 
   (�JAMS�) or the American Arbitration Association (�AAA�), as                                                            federal law and, to the extent not preempted by federal law, the 
                                                                                                                                                                   Approval Code and the consummation of a sales transaction under 
   selected by the party electing to use arbitration. Streamlined  be subject to very limited review by a court. An arbitrator may decide 
                                                                                   Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
                                                                                                                                                                   this Agreement represents your signature on this Agreement.
   arbitration procedures will be used if available. If a selection by us of  a Claim upon the submission of documents alone, or a party may  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
   one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
                                                                                                                                                                   CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
   within 30 days after you receive notice of our election, to select the  exchange of non-privileged information relevant to the Claim,  seq., as amended, notwithstanding any other governing law provision  enforceability and interpretation of this Agreement and the 
                                           between the parties, is permitted and encouraged. Either party may              amounts contracted for, charged and reserved under this  Rolla, MO
   other organization listed to serve as arbitration administrator. For            in this Agreement. The arbitrator will apply applicable substantive law 
   purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
                                                                                                                                                                   REV. DATE: July 2016
   dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim.         loan is made, executed and delivered in Missouri and that we 
                                                                                   honor claims of privilege recognized at law. Judgment upon any 
                                                                                                                           make all credit decisions, open all accounts and issue all 
   present or future, (collectively, "Claims") as further described below.         arbitration award may be entered and enforced, including without                BILLING RIGHTS NOTICE
   (If for any reason a selected organization cannot, will not or ceases to  Broad Meaning of �Claims.� The term "Claims" in this Arbitration  proceeds from, impose all fees and charges in, and receive all 
                                                                                   limitation by garnishment, attachment, foreclosure or other post 
   serve as an arbitration administrator, you or we may substitute  Provision is to be given the broadest possible meaning and includes  payments in our offices in Missouri.
                                                                                   judgment remedies, in any court having jurisdiction. The arbitrator�s           Your Billing Rights: Keep This Document For Future Use
   another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
                                                                                                                           YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
   code of procedure and is mutually acceptable to the parties.) relating to (i) the application for or issuance of your Account, (ii) use,  provided by the FAA, in which case any party can appeal the award 
                                                                                                                           (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
                                           terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
   Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
   Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
   engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
   no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
   this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
   within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
   change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
   Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
   30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
   must give us the following information: Name, Address and Account  Agreement.   invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
     You must contact us:                    Account Services Dispute Resolution
     �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
     �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
     scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
    wrong.                                   as discussed above. After we finish our investigation, we will tell  
     You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
     us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
     errors and you may have to pay the amount in question.
   What Will Happen After We Receive Your Letter
   When we receive your letter, we must do two things:
     1. Within 30 days of receiving your letter, we must tell you that we  
     received your letter. We will also tell you if we have already  
     corrected the error.
     2. Within 90 days of receiving your letter, we must either correct  
     the error or explain to you why we believe the bill is correct.
   While we investigate whether or not there has been an error:
     �  We cannot try to collect the amount in question, or report you  
     as delinquent on that amount.
     �  The charge in question may remain on your statement, and we  
     may continue to charge you interest on that amount.
     �  While you do not have to pay the amount in question, you are  
     responsible for the remainder of your balance.
     �  We can apply any unpaid amount against your credit limit.
   After we finish our investigation, one of two things will happen:
     �  If we made a mistake: You will not have to pay the amount in  
     question or any interest or other fees related to that amount.
     �  If we do not believe there was a mistake: You will have to pay  
     the amount in question, along with applicable interest and fees.  
     We will send you a statement of the amount you owe and the date  
     payment is due. We may then report you as delinquent if you do  
     not pay the amount we think you owe.
     If you receive our explanation but still believe your bill is wrong,  
     you must write to us within 10 days telling us that you still refuse  
     to pay. If you do so, we cannot report you as delinquent without  
     also reporting that you are questioning your bill. We must tell you  
     the name of anyone to whom we reported you as delinquent, and  
     we must let those organizations know when the matter has been  
     settled between us.
     If we do not follow all of the rules above, you do not have to pay  
     the first $50 of the amount you question even if your bill is correct.
   Your Rights If You Are Dissatisfied With Your Credit Card Purchases
     If you are dissatisfied with the goods or services that you have  
     purchased with your credit card, and you have tried in good faith  
     to correct the problem with the merchant, you may have the right  
     not to pay the remaining amount due on the purchase.
     To use this right, all of the following must be true:
     1. The purchase must have been made in your home state or  
     within 100 miles of your current mailing address, and the   
     purchase price must have been more than $50. (Note: Neither of  
     these are necessary if your purchase was 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:
   TRUTH IN LENDING ACT DISCLOSURES        How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
                                           �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
                                           additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement. 
     Interest Rates and Interest Charges                                                                                   Payment required from time to time on or before its Payment Due 
                                                                                   You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
                                           Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S. 
    Annual                                                                                                                 payment on your Account and your payment is returned to us unpaid 
                                           how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
    Percentage                             conditions below.
                                                                                                                           bankruptcy or insolvency proceedings; (v) become subject to 
                                                                                   YOUR CREDIT LIMIT You agree not to use your Account in any way 
    Rate (APR)  29.99%
                                           U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The                             attachment or garnishment proceedings; (vi) give us any misleading, 
                                                                                   that would cause you to go over your Credit Limit. We may refuse to  false, incomplete or incorrect information or false or fraudulent 
    for Purchases                          provisions titled �Honor Your Account,� �Postdated Checks, 
                                                                                   authorize or accept any transaction on your Account that would 
                                           Restrictive Endorsements Checks and Other Disputed or                           signature; (vii) die; or (viii) fail to comply with any term of this 
                                                                                   cause you to exceed your Credit Limit. We may establish different 
                                           Qualified Payments,� �Changes in Terms� and �Arbitration                        Agreement or any other agreement that you have with us. Subject to 
    Penalty APR  29.99%                                                            Credit Limits for different features of your Account in addition to a 
                                           Provision.�                                                                     any notice of default and right to cure or other limitation of applicable 
                                                                                   general (total) Credit Limit. If you exceed your Credit Limit, you must 
    and When it                                                                                                            law, if you are in default, we may, in addition to any other rights that 
                                                                                   pay us the excess amount promptly. We reserve the right not to 
           This APR may be applied to your  GENERAL This Cardholder Agreement (�Agreement�) governs the                    we may have under this Agreement: (a) reduce your Credit Limit or 
    Applies                                use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
                                                                                                                           cancel your Account; (b) require you to pay your entire Account 
           account if you:                 Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
                                                                                                                           balance (including accrued but unpaid interest and any other fees 
           (1) Make a late payment; or     �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
                                                                                                                           and charges provided for in this Agreement) immediately; and/or (c) 
                                           member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
           (2) Make a payment that is returned.                                                                            bring an action to collect all amounts owed.
                                           and representatives. �You,� �your� and �Cardholder� refer to the 
                                           person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
                                           appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
           How Long Will the Penalty APR   refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
           Apply? If your APRs are increased  otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
                                           a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
           for any of these reasons, the Penalty  Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
                                           Your Application, any Card carrier that we send with your Card, any 
           APR will apply until you make six                                       including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
                                           other written documents (including any electronic record) evidencing 
                                                                                   record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
           consecutive minimum payments    any transactions made under your Account and any notices that we 
                                                                                   established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
                                           send to you with your Agreement are part of and incorporated into 
           when due.                                                               in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
                                           this Agreement. Please read and keep these documents for your 
                                                                                   account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
                                           records. This Agreement begins on the earlier of (a) the date we 
    Paying  We will begin charging interest on the  finally approve your Application for credit or (b) the first date that we  payment due date following the effective date of the increase.
                                           extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
    Interest transaction date. There is no time 
                                           This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
           period in which to avoid paying  �Arbitration Provision� below).        on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
           interest.                                                               Credit Limit increase requests.         amount of credit available to you at any time, with or without cause, 
                                           ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,                      subject to applicable limitations of law. We may terminate further 
    For Credit  To learn more about factors  your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
                                           evidences your acceptance of the terms of this Agreement. concerning the status of your Account.
    Card Tips                                                                                                              address to a jurisdiction in which we do not make credit available at 
           to consider when applying for 
                                                                                                                           that time. You may close your Account by writing to us at Account 
    from the 
           or using a credit card, visit the  USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
    Consumer                               lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
           website of the Consumer         orders) from participating establishments (each a �Purchase�) up to             this Agreement will continue to apply to any balance that you owe us 
    Financial                                                                      certain qualifying transactions. The period of time that special terms 
                                           any credit limit we may establish for you (your �Credit Limit�). You            until you have paid everything you owe, including any interest and 
                                                                                   may be available may be limited. Information specific to any special 
    Protection  Financial Protection Bureau 
                                           may use your Account only for personal, family, or household                    fees due. Account cancellation may adversely affect your credit 
                                                                                   terms will be provided at the time of offer. If you use your Account to 
    Bureau at www.consumerfinance.gov.     purposes. You may not use your Card or your Account for any illegal             history.
                                                                                   enter into a qualifying transaction, you will be deemed to have 
                                           transaction or any gambling transaction. We may decline 
                                                                                   acknowledged and agreed to the terms disclosed at the time of the 
                                           transactions for any reason, including: operational matters, default,           STATEMENTS We will send you a Statement for each monthly billing 
               Fees                                                                offer, which terms may modify or differ from the regular terms of this 
                                           or suspected fraudulent or unlawful activity. Transactions above a              cycle in which (i) the balance of your Account (including unpaid 
                                                                                   Agreement. No formal amendment of this Agreement will be 
                                           certain dollar amount may require authorization by us before the                Purchases and Cash Advances, interest and other fees and charges) 
    Penalty Fees                           transaction can be approved. We will not be liable for the failure to  necessary and all terms of this Agreement will remain applicable 
                                                                                                                           on the last day of that billing cycle (the �New Balance�) is greater than 
                                           authorize credit because of operational difficulties or mistakes. We  except those inconsistent with the disclosed special terms of the 
                                                                                   offer. If at any time you fail to comply with the terms of this Agreement  $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
        Late Payment Up to $15             may limit the number and amount of transactions approved in one 
                                           day for security reasons, without any liability to you. We are not  as modified by the special terms of an offer or are otherwise in default  other activity on your Account or (iv) as otherwise required by 
                                           responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
        Returned               Up to $20                                           immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
        Payment                            HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
                                           refusal of a participating establishment to honor your Account. law.            (the �Payment Due Date�).
 PAYMENT REQUIREMENTS AND CREDITING Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
   any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
 Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
 shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
 Statement. You may at any time pay off your entire balance in full  any check or other payment instrument that indicates that the  or other information provided in your Application or otherwise 
 or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
 additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
 Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
 each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
 your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
 opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
 greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
                                           without losing any of our rights under the credit agreement governing           this Agreement and subject to the requirements of applicable 
 New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
                                           your Account. (A postdated check is a check dated later than the day            law: (i) terminate this Agreement; (ii) terminate your right to 
 than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
                                           it was actually presented for payment.) We are under no obligation to           make future Purchases; (iii) change your Credit Limit; or (iv) add 
 may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
                                           hold a postdated check and we reserve the right to process every                new terms or delete or change any terms and conditions of this 
   to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
 Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
                                           processor unless you give us adequate notice and a reasonable                   non-variable to a variable periodic rate, increasing any rate of 
 in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
                                           opportunity to act on it. Except where such notice and opportunity is           interest, increasing or adding fees or charges, changing the 
 following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
                                           given, you may not hold us liable for depositing any postdated check.           method of computing the balance upon which interest is 
 (EFTs) by debit entries drawn on the bank account, debit or credit  damages.      Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
 card you have identified to us in your application for this Account or            avoidable or refundable and you will be responsible for paying any 
                                           INTEREST                                                                        accrue). Changes that are favorable to you may be made at any 
                                                                                   interest and fees charged to your Account.
 any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  time without prior notice. Changes in terms may be based upon 
 Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to  factors including, but not limited to, anti-fraud policies and 
                                           Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
 have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified  procedures, your record of making timely payments and staying 
                                           assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
 Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front  within your established Credit Limit on your Account with us, 
                                           monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
 payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of  your credit score and information contained in your credit 
                                           percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
 Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make  report and your proper maintenance of any checking account 
                                           (corresponding APR of 29.99%).          website that we designate or otherwise), then, to the extent not 
 electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment  used to make your automatic payments, if applicable.
                                                                                   prohibited by law, we may send notices concerning the availability of 
 and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
                                           Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
 your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment  When required by applicable law, we will provide you with written 
                                           Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
 the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment  notice of a new or deleted term or change in terms and offer you the 
                                           �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
 monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic  right to reject terms in the manner specified at the time of notice. No 
                                           we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
 receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional  new term or change in the terms of this Agreement will affect your 
                                           transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
 month on or after the Payment Due Date shown on your monthly  payment received.                                           obligation to pay all amounts owing under this Agreement.
                                           other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
 statement. (3) You agree that in the event any debit is rejected or 
                                           us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
 dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other 
                                           those daily balances for the billing cycle and divide the total by the  law.    ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
 have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be  any portion of your Account and all or any portion of our rights under 
                                           number of days in the billing cycle. This gives us the �average daily 
 that you wish us to debit and the Bank Account on which the  mailed or delivered to us at the address for payments shown on your  MONITORING AND RECORDING To ensure that you receive quality  this Agreement to any other person without prior notice to you. You 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  balance� for that type of balance.
                                                                                   service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
 open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
 information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
                                                                                   It is our goal to provide prompt, consistent assistance and deliver 
 comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
                                                                                   accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
 Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
 until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
 Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
                                                                                   ELECTRONIC AND OTHER MEANS  We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
 may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
 telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
 any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
 advance to allow us and your financial institution a reasonable  to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
 opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
 keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
 Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
 in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
 Payment Plan. Also, if there are insufficient funds in your Bank  balances. promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
 Account to process any payment, your enrollment in the Automatic  by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
 Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
 responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
 institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
 get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
 that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
 notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
 handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
 close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
   individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
 CREDIT REPORTS AND INFORMATION equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
   claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
 Credit Reports You authorize us to make or have made any credit,                  enforce our rights or remedies at any one time, we may enforce them 
   party may elect arbitration.            costs and expenses, including reasonable attorneys� fees, incurred by 
 employment or other investigative inquiries we deem appropriate to  the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
 renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
 also may obtain follow-up credit reports on you for any lawful purpose  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the 
   OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING                                                                              Agreement. Reasonable attorney's fees will be awarded to you if you 
 as long as you have an outstanding balance.                                       Arbitration Provision, if any provision of this Agreement is finally 
   ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT  filing fee. You may seek a waiver of the initial filing fee or any other fees  prevail in any action, suit or proceeding brought by us; or an action 
                                                                                   determined to be void or unenforceable under applicable law, rule or  brought by you. If you successfully assert a partial defense or set-off, 
   TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  incurred in arbitration. If you seek, but do not qualify for, a waiver, we 
                                                                                   regulation, all other provisions of this Agreement shall still be valid 
 Information Sharing You acknowledge and agree that we may  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
                                                                                   and enforceable.
 share information about you with others in accordance with our                                                            withhold from us the entire amount or such portion of the attorney 
   (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE  for all or part of such fees. Each party will pay for its respective 
 Privacy Notice (a copy of which we will provide to you and may be  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
   OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE                                  Certain provisions of this Agreement are stated as being subject to 
 obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
                                                                                   applicable law. Such provisions may be void, unenforceable or 
 time to time).                            another party if the arbitrator, applying applicable law, so determines.        NJ RESIDENTS: Because certain provisions of this agreement are 
   OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS                                  inapplicable in some jurisdictions.
   ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY  Allocation of fees and costs relating to appeals in arbitration will be  subject to applicable law, they may be void, unenforceable or 
 Notice of Inaccurate Information If you believe that we have                                                              inapplicable in some jurisdictions. None of these provisions, 
   CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  ENTIRE AGREEMENT This Agreement, including any other written, 
 information about you that is inaccurate or that we have reported or  fees that apply to an arbitration proceeding with JAMS, please visit  however, is void, unenforceable or inapplicable in New Jersey.
   CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR                                   oral or electronic document incorporated into and made a part of this 
 may report to a credit reporting agency information about you that is  http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
   OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE                                 Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
 inaccurate, please notify us of the specific information that you  http://www.adr.org/consumer_arbitration. The appropriate fee 
   AVAILABLE IN ARBITRATION. Except as set forth below, the                        your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
 believe is inaccurate by writing to us at Account Services, P.O. Box  schedule in effect from time to time is hereby incorporated by 
   arbitrator�s decision will be final and binding. Only a court may               agreement between you and us relating to your Account. If there is  regarding the status of your account.
 105555, Atlanta, GA 30348-5555.           reference into this Arbitration Provision. The cost of arbitration may be 
   decide the validity of items (iii) and (iv) above. If a court holds that        any conflict between any one of these documents and this 
                                           higher or lower than the cost of bringing your Claim in court, depending 
   items (iii) or (iv) are limited, invalid or unenforceable, then this entire     Agreement, the terms of this Agreement control. This Agreement 
                                                                                                                           NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
 ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
   Arbitration Provision will be null and void. You or we can appeal any 
 CLAIMS) Except as otherwise stated below, if you or we so choose,  Having more than one Claim and holding face to face hearings can  of this Agreement.
   such holding. If a court holds that any other part(s) of this Arbitration                                               BUYER/CARDHOLDER Your name and address, our name and 
 any Claim (as defined below) will be resolved by binding arbitration  increase the cost of arbitration. Again, neither you nor we will be 
   Provision (other than items (iii) and (iv)) are invalid, then the                                                       address and the date on any Application or any other document or 
 pursuant to (a) this Arbitration Provision and (b) the Code of  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
   remaining parts of this Arbitration Provision will remain in force. An                                                  record you sign in connection with your Account are incorporated 
 Procedure of the national arbitration organization to which the Claim  individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
   arbitrator will decide all other issues pertaining to arbitrability, validity,                                          here and made a part of this Agreement and represent your name 
 is referred (as in effect when the Claim is filed). Claims will be  Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
   interpretation and enforceability of this Arbitration Provision. The                                                    and address, our name and address, and the date on this 
 referred to either Judicial Arbitration and Mediation Services  with respect to persons who use your Account. governed by and construed in accordance with applicable 
   decision of an arbitrator is as enforceable as any court order and may                                                  Agreement. The electronic record of your transmission of an Unique 
 (�JAMS�) or the American Arbitration Association (�AAA�), as                      federal law and, to the extent not preempted by federal law, the 
 selected by the party electing to use arbitration. Streamlined  be subject to very limited review by a court. An arbitrator may decide  Approval Code and the consummation of a sales transaction under 
                                           Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
 arbitration procedures will be used if available. If a selection by us of  a Claim upon the submission of documents alone, or a party may  this Agreement represents your signature on this Agreement.
                                           pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
 one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
 within 30 days after you receive notice of our election, to select the  exchange of non-privileged information relevant to the Claim,  seq., as amended, notwithstanding any other governing law provision  enforceability and interpretation of this Agreement and the  CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
                                                                                                                           Rolla, MO
 other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
 purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
                                                                                   loan is made, executed and delivered in Missouri and that we  REV. DATE: July 2016
 dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. honor claims of privilege recognized at law. Judgment upon any 
                                                                                   make all credit decisions, open all accounts and issue all 
 present or future, (collectively, "Claims") as further described below.  arbitration award may be entered and enforced, including without 
                                                                                   proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
 (If for any reason a selected organization cannot, will not or ceases to  Broad Meaning of �Claims.� The term "Claims" in this Arbitration  limitation by garnishment, attachment, foreclosure or other post 
   Provision is to be given the broadest possible meaning and includes             payments in our offices in Missouri.
 serve as an arbitration administrator, you or we may substitute  judgment remedies, in any court having jurisdiction. The arbitrator�s  Your Billing Rights: Keep This Document For Future Use
 another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal    This notice tells you about your rights and our responsibilities  
 code of procedure and is mutually acceptable to the parties.) relating to (i) the application for or issuance of your Account, (ii) use,  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED 
                                           provided by the FAA, in which case any party can appeal the award 
                                                                                   (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
   terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
 Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
 Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
 engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
 no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
 this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
 within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
 change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
 Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
 must give us the following information: Name, Address and Account  Agreement. invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
   You must contact us:   Account Services Dispute Resolution
   �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
  wrong.   as discussed above. After we finish our investigation, we will tell  
   You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
   us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
   errors and you may have to pay the amount in question.
 What Will Happen After We Receive Your Letter
 When we receive your letter, we must do two things:
   1. Within 30 days of receiving your letter, we must tell you that we  
   received your letter. We will also tell you if we have already  
   corrected the error.
   2. Within 90 days of receiving your letter, we must either correct  
   the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error:
   �  We cannot try to collect the amount in question, or report you  
   as delinquent on that amount.
   �  The charge in question may remain on your statement, and we  
   may continue to charge you interest on that amount.
   �  While you do not have to pay the amount in question, you are  
   responsible for the remainder of your balance.
   �  We can apply any unpaid amount against your credit limit.
 After we finish our investigation, one of two things will happen:
   �  If we made a mistake: You will not have to pay the amount in  
   question or any interest or other fees related to that amount.
   �  If we do not believe there was a mistake: You will have to pay  
   the amount in question, along with applicable interest and fees.  
   We will send you a statement of the amount you owe and the date  
   payment is due. We may then report you as delinquent if you do  
   not pay the amount we think you owe.
   If you receive our explanation but still believe your bill is wrong,  
   you must write to us within 10 days telling us that you still refuse  
   to pay. If you do so, we cannot report you as delinquent without  
   also reporting that you are questioning your bill. We must tell you  
   the name of anyone to whom we reported you as delinquent, and  
   we must let those organizations know when the matter has been  
   settled between us.
   If we do not follow all of the rules above, you do not have to pay  
   the first $50 of the amount you question even if your bill is correct.
 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   If you are dissatisfied with the goods or services that you have  
   purchased with your credit card, and you have tried in good faith  
   to correct the problem with the merchant, you may have the right  
   not to pay the remaining amount due on the purchase.
   To use this right, all of the following must be true:
   1. The purchase must have been made in your home state or  
   within 100 miles of your current mailing address, and the   
   purchase price must have been more than $50. (Note: Neither of  
   these are necessary if your purchase was 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:
   How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
   �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
   additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
                                           You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
   Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
   how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
   conditions below.
                                                                                   bankruptcy or insolvency proceedings; (v) become subject to 
                                           YOUR CREDIT LIMIT You agree not to use your Account in any way 
   U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The                             attachment or garnishment proceedings; (vi) give us any misleading, 
                                           that would cause you to go over your Credit Limit. We may refuse to 
   provisions titled �Honor Your Account,� �Postdated Checks,                      false, incomplete or incorrect information or false or fraudulent 
                                           authorize or accept any transaction on your Account that would 
   Restrictive Endorsements Checks and Other Disputed or                           signature; (vii) die; or (viii) fail to comply with any term of this 
                                           cause you to exceed your Credit Limit. We may establish different 
   Qualified Payments,� �Changes in Terms� and �Arbitration                        Agreement or any other agreement that you have with us. Subject to 
                                           Credit Limits for different features of your Account in addition to a 
   Provision.�                                                                     any notice of default and right to cure or other limitation of applicable 
                                           general (total) Credit Limit. If you exceed your Credit Limit, you must 
                                                                                   law, if you are in default, we may, in addition to any other rights that 
   GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
                                                                                   we may have under this Agreement: (a) reduce your Credit Limit or 
   use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
                                                                                   cancel your Account; (b) require you to pay your entire Account 
   Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
                                                                                   balance (including accrued but unpaid interest and any other fees 
   �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
                                                                                   and charges provided for in this Agreement) immediately; and/or (c) 
   member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
                                                                                   bring an action to collect all amounts owed.
   and representatives. �You,� �your� and �Cardholder� refer to the 
   person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
   appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
   refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
   otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
   a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
   Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
   Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
   other written documents (including any electronic record) evidencing 
                                           record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
   any transactions made under your Account and any notices that we 
                                           established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
   send to you with your Agreement are part of and incorporated into 
                                           in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
   this Agreement. Please read and keep these documents for your 
                                           account used to make automatic payments, if applicable.
   records. This Agreement begins on the earlier of (a) the date we                before their respective payment due dates beginning with the first 
   finally approve your Application for credit or (b) the first date that we       payment due date following the effective date of the increase.
   extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
   This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
   �Arbitration Provision� below).         on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
                                           Credit Limit increase requests.         amount of credit available to you at any time, with or without cause, 
   ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,                      subject to applicable limitations of law. We may terminate further 
   your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
   evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
                                                                                   that time. You may close your Account by writing to us at Account 
   USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
   lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
   orders) from participating establishments (each a �Purchase�) up to             this Agreement will continue to apply to any balance that you owe us 
                                           certain qualifying transactions. The period of time that special terms 
   any credit limit we may establish for you (your �Credit Limit�). You            until you have paid everything you owe, including any interest and 
                                           may be available may be limited. Information specific to any special 
   may use your Account only for personal, family, or household                    fees due. Account cancellation may adversely affect your credit 
                                           terms will be provided at the time of offer. If you use your Account to 
   purposes. You may not use your Card or your Account for any illegal             history.
                                           enter into a qualifying transaction, you will be deemed to have 
   transaction or any gambling transaction. We may decline 
                                           acknowledged and agreed to the terms disclosed at the time of the 
   transactions for any reason, including: operational matters, default,           STATEMENTS We will send you a Statement for each monthly billing 
                                           offer, which terms may modify or differ from the regular terms of this 
   or suspected fraudulent or unlawful activity. Transactions above a              cycle in which (i) the balance of your Account (including unpaid 
                                           Agreement. No formal amendment of this Agreement will be 
   certain dollar amount may require authorization by us before the 
                                           necessary and all terms of this Agreement will remain applicable  Purchases and Cash Advances, interest and other fees and charges) 
   transaction can be approved. We will not be liable for the failure to 
                                           except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
   authorize credit because of operational difficulties or mistakes. We 
   may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement  $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
                                           as modified by the special terms of an offer or are otherwise in default  other activity on your Account or (iv) as otherwise required by 
   day for security reasons, without any liability to you. We are not 
   responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
                                           immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
   HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
   refusal of a participating establishment to honor your Account. law.            (the �Payment Due Date�).
 PAYMENT REQUIREMENTS AND CREDITING Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
 any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
 Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
 shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
 Statement. You may at any time pay off your entire balance in full  any check or other payment instrument that indicates that the  or other information provided in your Application or otherwise 
 or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
 additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
 Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
 each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
 your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
 opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
 greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
   without losing any of our rights under the credit agreement governing           this Agreement and subject to the requirements of applicable 
 New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
   your Account. (A postdated check is a check dated later than the day            law: (i) terminate this Agreement; (ii) terminate your right to 
 than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
   it was actually presented for payment.) We are under no obligation to           make future Purchases; (iii) change your Credit Limit; or (iv) add 
 may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
   hold a postdated check and we reserve the right to process every                new terms or delete or change any terms and conditions of this 
 to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
 Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
   processor unless you give us adequate notice and a reasonable                   non-variable to a variable periodic rate, increasing any rate of 
 in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
   opportunity to act on it. Except where such notice and opportunity is           interest, increasing or adding fees or charges, changing the 
 following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
   given, you may not hold us liable for depositing any postdated check.           method of computing the balance upon which interest is 
 (EFTs) by debit entries drawn on the bank account, debit or credit  damages. Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
 card you have identified to us in your application for this Account or  avoidable or refundable and you will be responsible for paying any 
   INTEREST                                                                        accrue). Changes that are favorable to you may be made at any 
 any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
 Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to  factors including, but not limited to, anti-fraud policies and 
   Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
 have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified  procedures, your record of making timely payments and staying 
   assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
 Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front  within your established Credit Limit on your Account with us, 
   monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
 payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of  your credit score and information contained in your credit 
   percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
 Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make  report and your proper maintenance of any checking account 
   (corresponding APR of 29.99%).          website that we designate or otherwise), then, to the extent not 
 electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment  used to make your automatic payments, if applicable.
                                           prohibited by law, we may send notices concerning the availability of 
 and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
   Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
 your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment  When required by applicable law, we will provide you with written 
   Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
 the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment  notice of a new or deleted term or change in terms and offer you the 
   �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
 monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic  right to reject terms in the manner specified at the time of notice. No 
   we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
 receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional  new term or change in the terms of this Agreement will affect your 
   transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
 month on or after the Payment Due Date shown on your monthly  payment received.   obligation to pay all amounts owing under this Agreement.
   other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
 statement. (3) You agree that in the event any debit is rejected or 
   us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
 dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law. ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
   those daily balances for the billing cycle and divide the total by the 
 have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be  any portion of your Account and all or any portion of our rights under 
   number of days in the billing cycle. This gives us the �average daily 
 that you wish us to debit and the Bank Account on which the  mailed or delivered to us at the address for payments shown on your  this Agreement to any other person without prior notice to you. You 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  balance� for that type of balance. MONITORING AND RECORDING To ensure that you receive quality 
                                           service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
 open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
 information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
                                           It is our goal to provide prompt, consistent assistance and deliver 
 comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
                                           accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
 Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
 until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
 Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
                                           ELECTRONIC AND OTHER MEANS We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
 may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
 telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
 any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
 advance to allow us and your financial institution a reasonable  to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
 opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
 keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
 Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
 in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
 Payment Plan. Also, if there are insufficient funds in your Bank  balances. promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
 Account to process any payment, your enrollment in the Automatic  by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
 Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
 responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
 institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
 get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
 that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
 notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
 handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
 close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
 individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
 CREDIT REPORTS AND INFORMATION equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
 claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
 Credit Reports You authorize us to make or have made any credit,  party may elect arbitration. costs and expenses, including reasonable attorneys� fees, incurred by  enforce our rights or remedies at any one time, we may enforce them 
 employment or other investigative inquiries we deem appropriate to  the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
 renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
 also may obtain follow-up credit reports on you for any lawful purpose  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the 
 OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING                                        Agreement. Reasonable attorney's fees will be awarded to you if you 
 as long as you have an outstanding balance. Arbitration Provision, if any provision of this Agreement is finally 
 ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT  filing fee. You may seek a waiver of the initial filing fee or any other fees  prevail in any action, suit or proceeding brought by us; or an action 
                                           determined to be void or unenforceable under applicable law, rule or 
   incurred in arbitration. If you seek, but do not qualify for, a waiver, we      brought by you. If you successfully assert a partial defense or set-off, 
 TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  regulation, all other provisions of this Agreement shall still be valid 
 Information Sharing You acknowledge and agree that we may  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
                                           and enforceable.
 share information about you with others in accordance with our  for all or part of such fees. Each party will pay for its respective  withhold from us the entire amount or such portion of the attorney 
 (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 Privacy Notice (a copy of which we will provide to you and may be  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
 OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  Certain provisions of this Agreement are stated as being subject to 
 obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
                                           applicable law. Such provisions may be void, unenforceable or 
 time to time).                                                                    NJ RESIDENTS: Because certain provisions of this agreement are 
 OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS  another party if the arbitrator, applying applicable law, so determines.  inapplicable in some jurisdictions.
   Allocation of fees and costs relating to appeals in arbitration will be         subject to applicable law, they may be void, unenforceable or 
 ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 Notice of Inaccurate Information If you believe that we have  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  inapplicable in some jurisdictions. None of these provisions, 
                                           ENTIRE AGREEMENT This Agreement, including any other written, 
 information about you that is inaccurate or that we have reported or              however, is void, unenforceable or inapplicable in New Jersey.
 CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR  fees that apply to an arbitration proceeding with JAMS, please visit  oral or electronic document incorporated into and made a part of this 
 may report to a credit reporting agency information about you that is  http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
 OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE  Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
 inaccurate, please notify us of the specific information that you  http://www.adr.org/consumer_arbitration. The appropriate fee 
 AVAILABLE IN ARBITRATION. Except as set forth below, the  your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
 believe is inaccurate by writing to us at Account Services, P.O. Box  schedule in effect from time to time is hereby incorporated by 
 arbitrator�s decision will be final and binding. Only a court may  agreement between you and us relating to your Account. If there is  regarding the status of your account.
 105555, Atlanta, GA 30348-5555. reference into this Arbitration Provision. The cost of arbitration may be 
 decide the validity of items (iii) and (iv) above. If a court holds that  any conflict between any one of these documents and this 
   higher or lower than the cost of bringing your Claim in court, depending 
 items (iii) or (iv) are limited, invalid or unenforceable, then this entire  Agreement, the terms of this Agreement control. This Agreement 
                                                                                   NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
 ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
 Arbitration Provision will be null and void. You or we can appeal any 
 CLAIMS) Except as otherwise stated below, if you or we so choose,  Having more than one Claim and holding face to face hearings can  of this Agreement.
 such holding. If a court holds that any other part(s) of this Arbitration         BUYER/CARDHOLDER Your name and address, our name and 
 any Claim (as defined below) will be resolved by binding arbitration  increase the cost of arbitration. Again, neither you nor we will be 
 Provision (other than items (iii) and (iv)) are invalid, then the                 address and the date on any Application or any other document or 
 pursuant to (a) this Arbitration Provision and (b) the Code of  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
 remaining parts of this Arbitration Provision will remain in force. An            record you sign in connection with your Account are incorporated 
 Procedure of the national arbitration organization to which the Claim  individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
 arbitrator will decide all other issues pertaining to arbitrability, validity,    here and made a part of this Agreement and represent your name 
 is referred (as in effect when the Claim is filed). Claims will be  Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
 interpretation and enforceability of this Arbitration Provision. The              and address, our name and address, and the date on this 
 referred to either Judicial Arbitration and Mediation Services  with respect to persons who use your Account. governed by and construed in accordance with applicable 
 decision of an arbitrator is as enforceable as any court order and may            Agreement. The electronic record of your transmission of an Unique 
 (�JAMS�) or the American Arbitration Association (�AAA�), as  federal law and, to the extent not preempted by federal law, the 
 selected by the party electing to use arbitration. Streamlined  be subject to very limited review by a court. An arbitrator may decide  Approval Code and the consummation of a sales transaction under 
   Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
 a Claim upon the submission of documents alone, or a party may                    this Agreement represents your signature on this Agreement.
 arbitration procedures will be used if available. If a selection by us of  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
 one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
 exchange of non-privileged information relevant to the Claim,  enforceability and interpretation of this Agreement and the  CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
 within 30 days after you receive notice of our election, to select the  seq., as amended, notwithstanding any other governing law provision  Rolla, MO
 other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
 purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
                                                                                   REV. DATE: July 2016
 dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. loan is made, executed and delivered in Missouri and that we 
   honor claims of privilege recognized at law. Judgment upon any 
                                           make all credit decisions, open all accounts and issue all 
 present or future, (collectively, "Claims") as further described below.  arbitration award may be entered and enforced, including without 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
 (If for any reason a selected organization cannot, will not or ceases to  limitation by garnishment, attachment, foreclosure or other post 
 Provision is to be given the broadest possible meaning and includes  payments in our offices in Missouri.
 serve as an arbitration administrator, you or we may substitute  judgment remedies, in any court having jurisdiction. The arbitrator�s  Your Billing Rights: Keep This Document For Future Use
 another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
 relating to (i) the application for or issuance of your Account, (ii) use,  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
 code of procedure and is mutually acceptable to the parties.) provided by the FAA, in which case any party can appeal the award 
                                           (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
 terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
 Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
 Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
 engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
 no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
 this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
 within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
 change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
 Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
 must give us the following information: Name, Address and Account  Agreement. invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
   You must contact us:   Account Services Dispute Resolution
   �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
  wrong.   as discussed above. After we finish our investigation, we will tell  
   You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
   us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
   errors and you may have to pay the amount in question.
 What Will Happen After We Receive Your Letter
 When we receive your letter, we must do two things:
   1. Within 30 days of receiving your letter, we must tell you that we  
   received your letter. We will also tell you if we have already  
   corrected the error.
   2. Within 90 days of receiving your letter, we must either correct  
   the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error:
   �  We cannot try to collect the amount in question, or report you  
   as delinquent on that amount.
   �  The charge in question may remain on your statement, and we  
   may continue to charge you interest on that amount.
   �  While you do not have to pay the amount in question, you are  
   responsible for the remainder of your balance.
   �  We can apply any unpaid amount against your credit limit.
 After we finish our investigation, one of two things will happen:
   �  If we made a mistake: You will not have to pay the amount in  
   question or any interest or other fees related to that amount.
   �  If we do not believe there was a mistake: You will have to pay  
   the amount in question, along with applicable interest and fees.  
   We will send you a statement of the amount you owe and the date  
   payment is due. We may then report you as delinquent if you do  
   not pay the amount we think you owe.
   If you receive our explanation but still believe your bill is wrong,  
   you must write to us within 10 days telling us that you still refuse  
   to pay. If you do so, we cannot report you as delinquent without  
   also reporting that you are questioning your bill. We must tell you  
   the name of anyone to whom we reported you as delinquent, and  
   we must let those organizations know when the matter has been  
   settled between us.
   If we do not follow all of the rules above, you do not have to pay  
   the first $50 of the amount you question even if your bill is correct.
 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   If you are dissatisfied with the goods or services that you have  
   purchased with your credit card, and you have tried in good faith  
   to correct the problem with the merchant, you may have the right  
   not to pay the remaining amount due on the purchase.
   To use this right, all of the following must be true:
   1. The purchase must have been made in your home state or  
   within 100 miles of your current mailing address, and the   
   purchase price must have been more than $50. (Note: Neither of  
   these are necessary if your purchase was 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:
 How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
 �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
 additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
   You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
 Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
 how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
 conditions below.
                                           bankruptcy or insolvency proceedings; (v) become subject to 
   YOUR CREDIT LIMIT You agree not to use your Account in any way 
 U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The  attachment or garnishment proceedings; (vi) give us any misleading, 
   that would cause you to go over your Credit Limit. We may refuse to 
 provisions titled �Honor Your Account,� �Postdated Checks,  false, incomplete or incorrect information or false or fraudulent 
   authorize or accept any transaction on your Account that would 
 Restrictive Endorsements Checks and Other Disputed or  signature; (vii) die; or (viii) fail to comply with any term of this 
   cause you to exceed your Credit Limit. We may establish different 
 Qualified Payments,� �Changes in Terms� and �Arbitration  Agreement or any other agreement that you have with us. Subject to 
   Credit Limits for different features of your Account in addition to a 
 Provision.�                               any notice of default and right to cure or other limitation of applicable 
   general (total) Credit Limit. If you exceed your Credit Limit, you must 
                                           law, if you are in default, we may, in addition to any other rights that 
 GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
                                           we may have under this Agreement: (a) reduce your Credit Limit or 
 use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
                                           cancel your Account; (b) require you to pay your entire Account 
 Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
                                           balance (including accrued but unpaid interest and any other fees 
 �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
                                           and charges provided for in this Agreement) immediately; and/or (c) 
 member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
                                           bring an action to collect all amounts owed.
 and representatives. �You,� �your� and �Cardholder� refer to the 
 person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
 appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
 refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
 otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
 a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
 Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
 Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
 other written documents (including any electronic record) evidencing 
   record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
 any transactions made under your Account and any notices that we 
   established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
 send to you with your Agreement are part of and incorporated into 
   in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
 this Agreement. Please read and keep these documents for your 
   account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
 records. This Agreement begins on the earlier of (a) the date we 
 finally approve your Application for credit or (b) the first date that we  payment due date following the effective date of the increase.
 extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
 This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
 �Arbitration Provision� below). on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
   Credit Limit increase requests.         amount of credit available to you at any time, with or without cause, 
 ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,  subject to applicable limitations of law. We may terminate further 
 your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
 evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
                                           that time. You may close your Account by writing to us at Account 
 USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
 lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
 orders) from participating establishments (each a �Purchase�) up to  this Agreement will continue to apply to any balance that you owe us 
   certain qualifying transactions. The period of time that special terms 
 any credit limit we may establish for you (your �Credit Limit�). You  until you have paid everything you owe, including any interest and 
   may be available may be limited. Information specific to any special 
 may use your Account only for personal, family, or household  fees due. Account cancellation may adversely affect your credit 
   terms will be provided at the time of offer. If you use your Account to 
 purposes. You may not use your Card or your Account for any illegal  history.
   enter into a qualifying transaction, you will be deemed to have 
 transaction or any gambling transaction. We may decline 
   acknowledged and agreed to the terms disclosed at the time of the 
 transactions for any reason, including: operational matters, default,  STATEMENTS We will send you a Statement for each monthly billing 
   offer, which terms may modify or differ from the regular terms of this 
 or suspected fraudulent or unlawful activity. Transactions above a  cycle in which (i) the balance of your Account (including unpaid 
   Agreement. No formal amendment of this Agreement will be 
 certain dollar amount may require authorization by us before the 
   necessary and all terms of this Agreement will remain applicable  Purchases and Cash Advances, interest and other fees and charges) 
 transaction can be approved. We will not be liable for the failure to 
   except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
 authorize credit because of operational difficulties or mistakes. We 
 may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement  $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
   as modified by the special terms of an offer or are otherwise in default  other activity on your Account or (iv) as otherwise required by 
 day for security reasons, without any liability to you. We are not 
 responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
   immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
 HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
 refusal of a participating establishment to honor your Account. law. (the �Payment Due Date�).
 PAYMENT REQUIREMENTS AND CREDITING Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
 any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
 Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
 shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
 Statement. You may at any time pay off your entire balance in full  any check or other payment instrument that indicates that the  or other information provided in your Application or otherwise 
 or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
 additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
 Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
 each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
 your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
 opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
 greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
 without losing any of our rights under the credit agreement governing  this Agreement and subject to the requirements of applicable 
 New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
 your Account. (A postdated check is a check dated later than the day  law: (i) terminate this Agreement; (ii) terminate your right to 
 than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
 it was actually presented for payment.) We are under no obligation to  make future Purchases; (iii) change your Credit Limit; or (iv) add 
 may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
 hold a postdated check and we reserve the right to process every  new terms or delete or change any terms and conditions of this 
 to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
 Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
 processor unless you give us adequate notice and a reasonable  non-variable to a variable periodic rate, increasing any rate of 
 in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
 opportunity to act on it. Except where such notice and opportunity is  interest, increasing or adding fees or charges, changing the 
 following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
 given, you may not hold us liable for depositing any postdated check. method of computing the balance upon which interest is 
 (EFTs) by debit entries drawn on the bank account, debit or credit  damages. Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
 card you have identified to us in your application for this Account or  avoidable or refundable and you will be responsible for paying any 
 INTEREST                                  accrue). Changes that are favorable to you may be made at any 
 any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
 Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to  factors including, but not limited to, anti-fraud policies and 
 Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
 have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified  procedures, your record of making timely payments and staying 
 assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
 Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front  within your established Credit Limit on your Account with us, 
 monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
 payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of  your credit score and information contained in your credit 
 percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
 Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make  report and your proper maintenance of any checking account 
 (corresponding APR of 29.99%). website that we designate or otherwise), then, to the extent not 
 electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment  used to make your automatic payments, if applicable.
   prohibited by law, we may send notices concerning the availability of 
 and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
 Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
 your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment  When required by applicable law, we will provide you with written 
 Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
 the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment  notice of a new or deleted term or change in terms and offer you the 
 �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
 monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic  right to reject terms in the manner specified at the time of notice. No 
 we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
 receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional  new term or change in the terms of this Agreement will affect your 
 transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
 month on or after the Payment Due Date shown on your monthly  payment received. obligation to pay all amounts owing under this Agreement.
 other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
 statement. (3) You agree that in the event any debit is rejected or 
 us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
 dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law. ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
 those daily balances for the billing cycle and divide the total by the 
 have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be  any portion of your Account and all or any portion of our rights under 
 number of days in the billing cycle. This gives us the �average daily 
 that you wish us to debit and the Bank Account on which the  mailed or delivered to us at the address for payments shown on your  this Agreement to any other person without prior notice to you. You 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  balance� for that type of balance. MONITORING AND RECORDING To ensure that you receive quality 
   service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
 open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
 information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
   It is our goal to provide prompt, consistent assistance and deliver 
 comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
   accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
 Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
 until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
 Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
   ELECTRONIC AND OTHER MEANS We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
 may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
 telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
 any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
 advance to allow us and your financial institution a reasonable  to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
 opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
 keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
 Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
 in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
 Payment Plan. Also, if there are insufficient funds in your Bank  balances. promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
 Account to process any payment, your enrollment in the Automatic  by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
 Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
 responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
 institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
 get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
 that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
 notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
 handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
 close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
 individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
 CREDIT REPORTS AND INFORMATION equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
 claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
 Credit Reports You authorize us to make or have made any credit,  party may elect arbitration. costs and expenses, including reasonable attorneys� fees, incurred by  enforce our rights or remedies at any one time, we may enforce them 
 employment or other investigative inquiries we deem appropriate to  the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
 renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
 also may obtain follow-up credit reports on you for any lawful purpose  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the 
 OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING  Agreement. Reasonable attorney's fees will be awarded to you if you 
   Arbitration Provision, if any provision of this Agreement is finally 
 as long as you have an outstanding balance. ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT  filing fee. You may seek a waiver of the initial filing fee or any other fees  prevail in any action, suit or proceeding brought by us; or an action 
   determined to be void or unenforceable under applicable law, rule or 
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  brought by you. If you successfully assert a partial defense or set-off, 
 TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  regulation, all other provisions of this Agreement shall still be valid 
 Information Sharing You acknowledge and agree that we may  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
   and enforceable.
 share information about you with others in accordance with our  for all or part of such fees. Each party will pay for its respective  withhold from us the entire amount or such portion of the attorney 
 (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 Privacy Notice (a copy of which we will provide to you and may be  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
 OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  Certain provisions of this Agreement are stated as being subject to 
 obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
   applicable law. Such provisions may be void, unenforceable or 
 time to time).                            NJ RESIDENTS: Because certain provisions of this agreement are 
 OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS  another party if the arbitrator, applying applicable law, so determines.  inapplicable in some jurisdictions.
 Allocation of fees and costs relating to appeals in arbitration will be  subject to applicable law, they may be void, unenforceable or 
 ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 Notice of Inaccurate Information If you believe that we have  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  inapplicable in some jurisdictions. None of these provisions, 
   ENTIRE AGREEMENT This Agreement, including any other written,  however, is void, unenforceable or inapplicable in New Jersey.
 information about you that is inaccurate or that we have reported or  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR  fees that apply to an arbitration proceeding with JAMS, please visit  oral or electronic document incorporated into and made a part of this 
 may report to a credit reporting agency information about you that is  http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
 OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE  Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
 inaccurate, please notify us of the specific information that you  http://www.adr.org/consumer_arbitration. The appropriate fee 
 AVAILABLE IN ARBITRATION. Except as set forth below, the  your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
 believe is inaccurate by writing to us at Account Services, P.O. Box  schedule in effect from time to time is hereby incorporated by 
 arbitrator�s decision will be final and binding. Only a court may  agreement between you and us relating to your Account. If there is  regarding the status of your account.
 105555, Atlanta, GA 30348-5555. reference into this Arbitration Provision. The cost of arbitration may be 
 decide the validity of items (iii) and (iv) above. If a court holds that  any conflict between any one of these documents and this 
 higher or lower than the cost of bringing your Claim in court, depending 
 items (iii) or (iv) are limited, invalid or unenforceable, then this entire  Agreement, the terms of this Agreement control. This Agreement 
                                           NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
 ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
 Arbitration Provision will be null and void. You or we can appeal any 
 CLAIMS) Except as otherwise stated below, if you or we so choose,  Having more than one Claim and holding face to face hearings can  of this Agreement.
 such holding. If a court holds that any other part(s) of this Arbitration  BUYER/CARDHOLDER Your name and address, our name and 
 any Claim (as defined below) will be resolved by binding arbitration  increase the cost of arbitration. Again, neither you nor we will be 
 Provision (other than items (iii) and (iv)) are invalid, then the  address and the date on any Application or any other document or 
 pursuant to (a) this Arbitration Provision and (b) the Code of  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
 remaining parts of this Arbitration Provision will remain in force. An  record you sign in connection with your Account are incorporated 
 Procedure of the national arbitration organization to which the Claim  individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
 arbitrator will decide all other issues pertaining to arbitrability, validity,  here and made a part of this Agreement and represent your name 
 is referred (as in effect when the Claim is filed). Claims will be  Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
 interpretation and enforceability of this Arbitration Provision. The  and address, our name and address, and the date on this 
 referred to either Judicial Arbitration and Mediation Services  with respect to persons who use your Account. governed by and construed in accordance with applicable 
 decision of an arbitrator is as enforceable as any court order and may  Agreement. The electronic record of your transmission of an Unique 
 (�JAMS�) or the American Arbitration Association (�AAA�), as  federal law and, to the extent not preempted by federal law, the 
 be subject to very limited review by a court. An arbitrator may decide  Approval Code and the consummation of a sales transaction under 
 selected by the party electing to use arbitration. Streamlined  Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
 a Claim upon the submission of documents alone, or a party may  this Agreement represents your signature on this Agreement.
 arbitration procedures will be used if available. If a selection by us of  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
 one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
 exchange of non-privileged information relevant to the Claim,  enforceability and interpretation of this Agreement and the  CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
 within 30 days after you receive notice of our election, to select the  seq., as amended, notwithstanding any other governing law provision  Rolla, MO
 other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
 purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
                                           REV. DATE: July 2016
 dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. loan is made, executed and delivered in Missouri and that we 
 honor claims of privilege recognized at law. Judgment upon any 
   make all credit decisions, open all accounts and issue all 
 present or future, (collectively, "Claims") as further described below.  arbitration award may be entered and enforced, including without 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
 (If for any reason a selected organization cannot, will not or ceases to  limitation by garnishment, attachment, foreclosure or other post 
 Provision is to be given the broadest possible meaning and includes  payments in our offices in Missouri.
 serve as an arbitration administrator, you or we may substitute  judgment remedies, in any court having jurisdiction. The arbitrator�s  Your Billing Rights: Keep This Document For Future Use
 another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
 relating to (i) the application for or issuance of your Account, (ii) use,  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
 code of procedure and is mutually acceptable to the parties.) provided by the FAA, in which case any party can appeal the award 
   (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
 terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
 Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
 Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
 engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
 no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
 this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
 within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
 change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
 Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
 must give us the following information: Name, Address and Account  Agreement. invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
   You must contact us:   Account Services Dispute Resolution
   �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
  wrong.   as discussed above. After we finish our investigation, we will tell  
   You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
   us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
   errors and you may have to pay the amount in question.
 What Will Happen After We Receive Your Letter
 When we receive your letter, we must do two things:
   1. Within 30 days of receiving your letter, we must tell you that we  
   received your letter. We will also tell you if we have already  
   corrected the error.
   2. Within 90 days of receiving your letter, we must either correct  
   the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error:
   �  We cannot try to collect the amount in question, or report you  
   as delinquent on that amount.
   �  The charge in question may remain on your statement, and we  
   may continue to charge you interest on that amount.
   �  While you do not have to pay the amount in question, you are  
   responsible for the remainder of your balance.
   �  We can apply any unpaid amount against your credit limit.
 After we finish our investigation, one of two things will happen:
   �  If we made a mistake: You will not have to pay the amount in  
   question or any interest or other fees related to that amount.
   �  If we do not believe there was a mistake: You will have to pay  
   the amount in question, along with applicable interest and fees.  
   We will send you a statement of the amount you owe and the date  
   payment is due. We may then report you as delinquent if you do  
   not pay the amount we think you owe.
   If you receive our explanation but still believe your bill is wrong,  
   you must write to us within 10 days telling us that you still refuse  
   to pay. If you do so, we cannot report you as delinquent without  
   also reporting that you are questioning your bill. We must tell you  
   the name of anyone to whom we reported you as delinquent, and  
   we must let those organizations know when the matter has been  
   settled between us.
   If we do not follow all of the rules above, you do not have to pay  
   the first $50 of the amount you question even if your bill is correct.
 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   If you are dissatisfied with the goods or services that you have  
   purchased with your credit card, and you have tried in good faith  
   to correct the problem with the merchant, you may have the right  
   not to pay the remaining amount due on the purchase.
   To use this right, all of the following must be true:
   1. The purchase must have been made in your home state or  
   within 100 miles of your current mailing address, and the   
   purchase price must have been more than $50. (Note: Neither of  
   these are necessary if your purchase was 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:
 How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
 �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
 additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
 You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
 Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
 how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
 conditions below.
   bankruptcy or insolvency proceedings; (v) become subject to 
 YOUR CREDIT LIMIT You agree not to use your Account in any way 
 U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The  attachment or garnishment proceedings; (vi) give us any misleading, 
 that would cause you to go over your Credit Limit. We may refuse to 
 provisions titled �Honor Your Account,� �Postdated Checks,  false, incomplete or incorrect information or false or fraudulent 
 authorize or accept any transaction on your Account that would 
 Restrictive Endorsements Checks and Other Disputed or  signature; (vii) die; or (viii) fail to comply with any term of this 
 cause you to exceed your Credit Limit. We may establish different 
 Qualified Payments,� �Changes in Terms� and �Arbitration  Agreement or any other agreement that you have with us. Subject to 
 Credit Limits for different features of your Account in addition to a 
 Provision.� any notice of default and right to cure or other limitation of applicable 
 general (total) Credit Limit. If you exceed your Credit Limit, you must 
   law, if you are in default, we may, in addition to any other rights that 
 GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
   we may have under this Agreement: (a) reduce your Credit Limit or 
 use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
   cancel your Account; (b) require you to pay your entire Account 
 Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
   balance (including accrued but unpaid interest and any other fees 
 �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
   and charges provided for in this Agreement) immediately; and/or (c) 
 member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
   bring an action to collect all amounts owed.
 and representatives. �You,� �your� and �Cardholder� refer to the 
 person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
 appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
 refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
 otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
 a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
 Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
 Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
 other written documents (including any electronic record) evidencing 
 record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
 any transactions made under your Account and any notices that we 
 established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
 send to you with your Agreement are part of and incorporated into 
 in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
 this Agreement. Please read and keep these documents for your 
 account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
 records. This Agreement begins on the earlier of (a) the date we 
 finally approve your Application for credit or (b) the first date that we  payment due date following the effective date of the increase.
 extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
 This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
 �Arbitration Provision� below). on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
 Credit Limit increase requests. amount of credit available to you at any time, with or without cause, 
 ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,  subject to applicable limitations of law. We may terminate further 
 your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
 evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
   that time. You may close your Account by writing to us at Account 
 USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
 lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
 orders) from participating establishments (each a �Purchase�) up to  this Agreement will continue to apply to any balance that you owe us 
 certain qualifying transactions. The period of time that special terms 
 any credit limit we may establish for you (your �Credit Limit�). You  until you have paid everything you owe, including any interest and 
 may be available may be limited. Information specific to any special 
 may use your Account only for personal, family, or household  fees due. Account cancellation may adversely affect your credit 
 terms will be provided at the time of offer. If you use your Account to 
 purposes. You may not use your Card or your Account for any illegal  history.
 enter into a qualifying transaction, you will be deemed to have 
 transaction or any gambling transaction. We may decline 
 acknowledged and agreed to the terms disclosed at the time of the 
 transactions for any reason, including: operational matters, default,  STATEMENTS We will send you a Statement for each monthly billing 
 offer, which terms may modify or differ from the regular terms of this 
 or suspected fraudulent or unlawful activity. Transactions above a  cycle in which (i) the balance of your Account (including unpaid 
 Agreement. No formal amendment of this Agreement will be 
 certain dollar amount may require authorization by us before the 
 necessary and all terms of this Agreement will remain applicable  Purchases and Cash Advances, interest and other fees and charges) 
 transaction can be approved. We will not be liable for the failure to 
 except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
 authorize credit because of operational difficulties or mistakes. We 
 may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement  $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
 as modified by the special terms of an offer or are otherwise in default  other activity on your Account or (iv) as otherwise required by 
 day for security reasons, without any liability to you. We are not 
 responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
 immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
 HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
 refusal of a participating establishment to honor your Account. law. (the �Payment Due Date�).
 PAYMENT REQUIREMENTS AND CREDITING Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
 any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
 Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
 shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
 Statement. You may at any time pay off your entire balance in full  any check or other payment instrument that indicates that the  or other information provided in your Application or otherwise 
 or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
 additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
 Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
 each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
 your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
 opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
 greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
 without losing any of our rights under the credit agreement governing  this Agreement and subject to the requirements of applicable 
 New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
 your Account. (A postdated check is a check dated later than the day  law: (i) terminate this Agreement; (ii) terminate your right to 
 than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
 it was actually presented for payment.) We are under no obligation to  make future Purchases; (iii) change your Credit Limit; or (iv) add 
 may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
 hold a postdated check and we reserve the right to process every  new terms or delete or change any terms and conditions of this 
 to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
 Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
 processor unless you give us adequate notice and a reasonable  non-variable to a variable periodic rate, increasing any rate of 
 in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
 opportunity to act on it. Except where such notice and opportunity is  interest, increasing or adding fees or charges, changing the 
 following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
 given, you may not hold us liable for depositing any postdated check. method of computing the balance upon which interest is 
 (EFTs) by debit entries drawn on the bank account, debit or credit  damages. Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
 card you have identified to us in your application for this Account or  avoidable or refundable and you will be responsible for paying any 
 INTEREST accrue). Changes that are favorable to you may be made at any 
 any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
 Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to  factors including, but not limited to, anti-fraud policies and 
 Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
 have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified  procedures, your record of making timely payments and staying 
 assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
 Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front  within your established Credit Limit on your Account with us, 
 monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
 payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of  your credit score and information contained in your credit 
 percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
 Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make  report and your proper maintenance of any checking account 
 (corresponding APR of 29.99%). website that we designate or otherwise), then, to the extent not 
 electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment  used to make your automatic payments, if applicable.
 prohibited by law, we may send notices concerning the availability of 
 and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
 Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
 your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment  When required by applicable law, we will provide you with written 
 Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
 the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment  notice of a new or deleted term or change in terms and offer you the 
 �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
 monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic  right to reject terms in the manner specified at the time of notice. No 
 we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
 receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional  new term or change in the terms of this Agreement will affect your 
 transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
 month on or after the Payment Due Date shown on your monthly  payment received. obligation to pay all amounts owing under this Agreement.
 other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
 statement. (3) You agree that in the event any debit is rejected or 
 us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
 dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law. ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
 those daily balances for the billing cycle and divide the total by the 
 have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be  any portion of your Account and all or any portion of our rights under 
 number of days in the billing cycle. This gives us the �average daily 
 that you wish us to debit and the Bank Account on which the  mailed or delivered to us at the address for payments shown on your  this Agreement to any other person without prior notice to you. You 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  balance� for that type of balance. MONITORING AND RECORDING To ensure that you receive quality 
 service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
 open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
 information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
 It is our goal to provide prompt, consistent assistance and deliver 
 comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
 accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
 Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
 until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
 Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
 ELECTRONIC AND OTHER MEANS We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
 may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
 telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
 any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
 advance to allow us and your financial institution a reasonable  to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
 opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
 keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
 Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
 in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
 Payment Plan. Also, if there are insufficient funds in your Bank  balances. promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
 Account to process any payment, your enrollment in the Automatic  by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
 Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
 responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
 institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
 get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
 that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
 notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
 handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
 close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
 individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
 CREDIT REPORTS AND INFORMATION equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
 claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
 Credit Reports You authorize us to make or have made any credit,  party may elect arbitration. costs and expenses, including reasonable attorneys� fees, incurred by  enforce our rights or remedies at any one time, we may enforce them 
 employment or other investigative inquiries we deem appropriate to  the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
 renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
 also may obtain follow-up credit reports on you for any lawful purpose  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the  Agreement. Reasonable attorney's fees will be awarded to you if you 
 OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING  Arbitration Provision, if any provision of this Agreement is finally 
 as long as you have an outstanding balance. ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT  filing fee. You may seek a waiver of the initial filing fee or any other fees  prevail in any action, suit or proceeding brought by us; or an action 
 determined to be void or unenforceable under applicable law, rule or 
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  brought by you. If you successfully assert a partial defense or set-off, 
 TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  regulation, all other provisions of this Agreement shall still be valid 
 Information Sharing You acknowledge and agree that we may  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
 and enforceable.
 share information about you with others in accordance with our  for all or part of such fees. Each party will pay for its respective  withhold from us the entire amount or such portion of the attorney 
 (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 Privacy Notice (a copy of which we will provide to you and may be  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
 OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  Certain provisions of this Agreement are stated as being subject to 
 obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
 applicable law. Such provisions may be void, unenforceable or 
 time to time). NJ RESIDENTS: Because certain provisions of this agreement are 
 OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS  another party if the arbitrator, applying applicable law, so determines.  inapplicable in some jurisdictions.
 Allocation of fees and costs relating to appeals in arbitration will be  subject to applicable law, they may be void, unenforceable or 
 ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 Notice of Inaccurate Information If you believe that we have  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  inapplicable in some jurisdictions. None of these provisions, 
 ENTIRE AGREEMENT This Agreement, including any other written,  however, is void, unenforceable or inapplicable in New Jersey.
 information about you that is inaccurate or that we have reported or  fees that apply to an arbitration proceeding with JAMS, please visit 
 CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR  oral or electronic document incorporated into and made a part of this 
 may report to a credit reporting agency information about you that is  http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
 OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE  Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
 inaccurate, please notify us of the specific information that you  http://www.adr.org/consumer_arbitration. The appropriate fee 
 AVAILABLE IN ARBITRATION. Except as set forth below, the  your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
 believe is inaccurate by writing to us at Account Services, P.O. Box  schedule in effect from time to time is hereby incorporated by 
 arbitrator�s decision will be final and binding. Only a court may  agreement between you and us relating to your Account. If there is  regarding the status of your account.
 105555, Atlanta, GA 30348-5555. reference into this Arbitration Provision. The cost of arbitration may be 
 decide the validity of items (iii) and (iv) above. If a court holds that  any conflict between any one of these documents and this 
 higher or lower than the cost of bringing your Claim in court, depending  Agreement, the terms of this Agreement control. This Agreement 
 items (iii) or (iv) are limited, invalid or unenforceable, then this entire  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
 ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
 Arbitration Provision will be null and void. You or we can appeal any 
 CLAIMS) Except as otherwise stated below, if you or we so choose,  Having more than one Claim and holding face to face hearings can  of this Agreement.
 such holding. If a court holds that any other part(s) of this Arbitration  BUYER/CARDHOLDER Your name and address, our name and 
 any Claim (as defined below) will be resolved by binding arbitration  increase the cost of arbitration. Again, neither you nor we will be 
 Provision (other than items (iii) and (iv)) are invalid, then the  address and the date on any Application or any other document or 
 pursuant to (a) this Arbitration Provision and (b) the Code of  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
 remaining parts of this Arbitration Provision will remain in force. An  record you sign in connection with your Account are incorporated 
 Procedure of the national arbitration organization to which the Claim  individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
 arbitrator will decide all other issues pertaining to arbitrability, validity,  here and made a part of this Agreement and represent your name 
 is referred (as in effect when the Claim is filed). Claims will be  Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
 interpretation and enforceability of this Arbitration Provision. The  and address, our name and address, and the date on this 
 referred to either Judicial Arbitration and Mediation Services  with respect to persons who use your Account. governed by and construed in accordance with applicable 
 decision of an arbitrator is as enforceable as any court order and may  Agreement. The electronic record of your transmission of an Unique 
 (�JAMS�) or the American Arbitration Association (�AAA�), as  federal law and, to the extent not preempted by federal law, the 
 selected by the party electing to use arbitration. Streamlined  be subject to very limited review by a court. An arbitrator may decide  Approval Code and the consummation of a sales transaction under 
 Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
 a Claim upon the submission of documents alone, or a party may  this Agreement represents your signature on this Agreement.
 arbitration procedures will be used if available. If a selection by us of  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
 one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
 exchange of non-privileged information relevant to the Claim,  enforceability and interpretation of this Agreement and the  CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
 within 30 days after you receive notice of our election, to select the  seq., as amended, notwithstanding any other governing law provision  Rolla, MO
 other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
 submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
 purposes of this Arbitration Provision, �Claim� means any claim,  REV. DATE: July 2016
 dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. loan is made, executed and delivered in Missouri and that we 
 honor claims of privilege recognized at law. Judgment upon any 
 make all credit decisions, open all accounts and issue all 
 present or future, (collectively, "Claims") as further described below.  arbitration award may be entered and enforced, including without 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
 (If for any reason a selected organization cannot, will not or ceases to  limitation by garnishment, attachment, foreclosure or other post 
 Provision is to be given the broadest possible meaning and includes  payments in our offices in Missouri.
 serve as an arbitration administrator, you or we may substitute  judgment remedies, in any court having jurisdiction. The arbitrator�s  Your Billing Rights: Keep This Document For Future Use
 another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
 YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
 code of procedure and is mutually acceptable to the parties.) relating to (i) the application for or issuance of your Account, (ii) use,  provided by the FAA, in which case any party can appeal the award 
 (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
 terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
 Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
 Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
 engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
 no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
 this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
 within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
 change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
 Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
 must give us the following information: Name, Address and Account  Agreement. invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
   You must contact us:   Account Services Dispute Resolution
   �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
  wrong.   as discussed above. After we finish our investigation, we will tell  
   You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
   us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
   errors and you may have to pay the amount in question.
 What Will Happen After We Receive Your Letter
 When we receive your letter, we must do two things:
   1. Within 30 days of receiving your letter, we must tell you that we  
   received your letter. We will also tell you if we have already  
   corrected the error.
   2. Within 90 days of receiving your letter, we must either correct  
   the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error:
   �  We cannot try to collect the amount in question, or report you  
   as delinquent on that amount.
   �  The charge in question may remain on your statement, and we  
   may continue to charge you interest on that amount.
   �  While you do not have to pay the amount in question, you are  
   responsible for the remainder of your balance.
   �  We can apply any unpaid amount against your credit limit.
 After we finish our investigation, one of two things will happen:
   �  If we made a mistake: You will not have to pay the amount in  
   question or any interest or other fees related to that amount.
   �  If we do not believe there was a mistake: You will have to pay  
   the amount in question, along with applicable interest and fees.  
   We will send you a statement of the amount you owe and the date  
   payment is due. We may then report you as delinquent if you do  
   not pay the amount we think you owe.
   If you receive our explanation but still believe your bill is wrong,  
   you must write to us within 10 days telling us that you still refuse  
   to pay. If you do so, we cannot report you as delinquent without  
   also reporting that you are questioning your bill. We must tell you  
   the name of anyone to whom we reported you as delinquent, and  
   we must let those organizations know when the matter has been  
   settled between us.
   If we do not follow all of the rules above, you do not have to pay  
   the first $50 of the amount you question even if your bill is correct.
 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   If you are dissatisfied with the goods or services that you have  
   purchased with your credit card, and you have tried in good faith  
   to correct the problem with the merchant, you may have the right  
   not to pay the remaining amount due on the purchase.
   To use this right, all of the following must be true:
   1. The purchase must have been made in your home state or  
   within 100 miles of your current mailing address, and the   
   purchase price must have been more than $50. (Note: Neither of  
   these are necessary if your purchase was 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:                                                                                   How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
                                                                                   �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
                                                                                   additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
                                                                                                                           You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
                                                                                   Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
                                                                                   how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
                                                                                   conditions below.
                                                                                                                                                                   bankruptcy or insolvency proceedings; (v) become subject to 
                                                                                                                           YOUR CREDIT LIMIT You agree not to use your Account in any way 
                                                                                   U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The                             attachment or garnishment proceedings; (vi) give us any misleading, 
                                                                                                                           that would cause you to go over your Credit Limit. We may refuse to 
                                                                                   provisions titled �Honor Your Account,� �Postdated Checks,                      false, incomplete or incorrect information or false or fraudulent 
                                                                                                                           authorize or accept any transaction on your Account that would 
                                                                                   Restrictive Endorsements Checks and Other Disputed or                           signature; (vii) die; or (viii) fail to comply with any term of this 
                                                                                                                           cause you to exceed your Credit Limit. We may establish different 
                                                                                   Qualified Payments,� �Changes in Terms� and �Arbitration                        Agreement or any other agreement that you have with us. Subject to 
                                                                                                                           Credit Limits for different features of your Account in addition to a 
                                                                                   Provision.�                                                                     any notice of default and right to cure or other limitation of applicable 
                                                                                                                           general (total) Credit Limit. If you exceed your Credit Limit, you must 
                                                                                                                                                                   law, if you are in default, we may, in addition to any other rights that 
                                                                                   GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
                                                                                                                                                                   we may have under this Agreement: (a) reduce your Credit Limit or 
                                                                                   use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
                                                                                                                                                                   cancel your Account; (b) require you to pay your entire Account 
                                                                                   Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
                                                                                                                                                                   balance (including accrued but unpaid interest and any other fees 
                                                                                   �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
                                                                                                                                                                   and charges provided for in this Agreement) immediately; and/or (c) 
                                                                                   member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
                                                                                                                                                                   bring an action to collect all amounts owed.
                                                                                   and representatives. �You,� �your� and �Cardholder� refer to the 
                                                                                   person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
                                                                                   appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
                                                                                   refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
                                                                                   otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
                                                                                   a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
                                                                                   Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
                                                                                   Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
                                                                                   other written documents (including any electronic record) evidencing 
                                                                                                                           record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
                                                                                   any transactions made under your Account and any notices that we 
                                                                                                                           established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
                                                                                   send to you with your Agreement are part of and incorporated into 
                                                                                                                           in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
                                                                                   this Agreement. Please read and keep these documents for your 
                                                                                                                           account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
                                                                                   records. This Agreement begins on the earlier of (a) the date we 
                                                                                   finally approve your Application for credit or (b) the first date that we       payment due date following the effective date of the increase.
                                                                                   extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
                                                                                   This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
                                                                                   �Arbitration Provision� below).         on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
                                                                                                                           Credit Limit increase requests.         amount of credit available to you at any time, with or without cause, 
                                                                                   ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,                      subject to applicable limitations of law. We may terminate further 
                                                                                   your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
                                                                                   evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
                                                                                                                                                                   that time. You may close your Account by writing to us at Account 
                                                                                   USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
                                                                                   lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
                                                                                   orders) from participating establishments (each a �Purchase�) up to             this Agreement will continue to apply to any balance that you owe us 
                                                                                                                           certain qualifying transactions. The period of time that special terms 
                                                                                   any credit limit we may establish for you (your �Credit Limit�). You            until you have paid everything you owe, including any interest and 
                                                                                                                           may be available may be limited. Information specific to any special 
                                                                                   may use your Account only for personal, family, or household                    fees due. Account cancellation may adversely affect your credit 
                                                                                                                           terms will be provided at the time of offer. If you use your Account to 
                                                                                   purposes. You may not use your Card or your Account for any illegal             history.
                                                                                                                           enter into a qualifying transaction, you will be deemed to have 
                                                                                   transaction or any gambling transaction. We may decline 
                                                                                                                           acknowledged and agreed to the terms disclosed at the time of the 
                                                                                   transactions for any reason, including: operational matters, default,           STATEMENTS We will send you a Statement for each monthly billing 
                                                                                                                           offer, which terms may modify or differ from the regular terms of this 
                                                                                   or suspected fraudulent or unlawful activity. Transactions above a              cycle in which (i) the balance of your Account (including unpaid 
                                                                                                                           Agreement. No formal amendment of this Agreement will be 
                                                                                   certain dollar amount may require authorization by us before the 
                                                                                                                           necessary and all terms of this Agreement will remain applicable  Purchases and Cash Advances, interest and other fees and charges) 
                                                                                   transaction can be approved. We will not be liable for the failure to 
                                                                                                                           except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
                                                                                   authorize credit because of operational difficulties or mistakes. We 
                                                                                   may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement  $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
                                                                                                                           as modified by the special terms of an offer or are otherwise in default  other activity on your Account or (iv) as otherwise required by 
                                                                                   day for security reasons, without any liability to you. We are not 
                                                                                   responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
                                                                                                                           immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
                                                                                   HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
                                                                                   refusal of a participating establishment to honor your Account. law.            (the �Payment Due Date�).
   PAYMENT REQUIREMENTS AND CREDITING      Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
                                           any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
   Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
   shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
   Statement. You may at any time pay off your entire balance in full              any check or other payment instrument that indicates that the                   or other information provided in your Application or otherwise 
   or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
   additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
   Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
   each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
   your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
   opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
   greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
                                                                                   without losing any of our rights under the credit agreement governing           this Agreement and subject to the requirements of applicable 
   New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
                                                                                   your Account. (A postdated check is a check dated later than the day            law: (i) terminate this Agreement; (ii) terminate your right to 
   than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
                                                                                   it was actually presented for payment.) We are under no obligation to           make future Purchases; (iii) change your Credit Limit; or (iv) add 
   may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
                                                                                   hold a postdated check and we reserve the right to process every                new terms or delete or change any terms and conditions of this 
                                           to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
   Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
                                                                                   processor unless you give us adequate notice and a reasonable                   non-variable to a variable periodic rate, increasing any rate of 
   in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
                                                                                   opportunity to act on it. Except where such notice and opportunity is           interest, increasing or adding fees or charges, changing the 
   following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
                                                                                   given, you may not hold us liable for depositing any postdated check.           method of computing the balance upon which interest is 
   (EFTs) by debit entries drawn on the bank account, debit or credit  damages.                                            Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
                                                                                                                           avoidable or refundable and you will be responsible for paying any 
   card you have identified to us in your application for this Account or          INTEREST                                                                        accrue). Changes that are favorable to you may be made at any 
   any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
   Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to                                factors including, but not limited to, anti-fraud policies and 
                                                                                   Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
   have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified                                  procedures, your record of making timely payments and staying 
                                                                                   assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
   Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front                                    within your established Credit Limit on your Account with us, 
                                                                                   monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
   payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of                              your credit score and information contained in your credit 
                                                                                   percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
   Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make                               report and your proper maintenance of any checking account 
                                                                                   (corresponding APR of 29.99%).          website that we designate or otherwise), then, to the extent not 
   electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment                   used to make your automatic payments, if applicable.
                                                                                                                           prohibited by law, we may send notices concerning the availability of 
   and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
                                                                                   Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
   your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment                             When required by applicable law, we will provide you with written 
                                                                                   Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
   the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment                                  notice of a new or deleted term or change in terms and offer you the 
                                                                                   �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
   monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic                                    right to reject terms in the manner specified at the time of notice. No 
                                                                                   we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
   receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional                               new term or change in the terms of this Agreement will affect your 
                                                                                   transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
   month on or after the Payment Due Date shown on your monthly  payment received.                                                                                 obligation to pay all amounts owing under this Agreement.
                                                                                   other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
   statement. (3) You agree that in the event any debit is rejected or 
                                                                                   us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
   dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law.                          ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
                                                                                   those daily balances for the billing cycle and divide the total by the 
   have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be                        any portion of your Account and all or any portion of our rights under 
                                                                                   number of days in the billing cycle. This gives us the �average daily 
   that you wish us to debit and the Bank Account on which the  mailed or delivered to us at the address for payments shown on your 
                                           monthly statement. Payments received at the address on the  balance� for that type of balance. MONITORING AND RECORDING To ensure that you receive quality  this Agreement to any other person without prior notice to you. You 
   Automated Clearing House (ACH) debit is authorized, is a legitimate,                                                    service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
   open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
   information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
                                                                                                                           It is our goal to provide prompt, consistent assistance and deliver 
   comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
                                                                                                                           accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
   Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
   until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
   Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
                                                                                                                           ELECTRONIC AND OTHER MEANS We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
   may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
   telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
   any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
   advance to allow us and your financial institution a reasonable                 to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
   opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
   keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
   Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
   in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
   Payment Plan. Also, if there are insufficient funds in your Bank  balances.     promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
   Account to process any payment, your enrollment in the Automatic                by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
   Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
   responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
   institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
   get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
   that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
   notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
   handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
   close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
                                           individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
   CREDIT REPORTS AND INFORMATION          equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
                                           claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
   Credit Reports You authorize us to make or have made any credit,  party may elect arbitration. costs and expenses, including reasonable attorneys� fees, incurred by  enforce our rights or remedies at any one time, we may enforce them 
   employment or other investigative inquiries we deem appropriate to              the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
   renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
   also may obtain follow-up credit reports on you for any lawful purpose          the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the  Agreement. Reasonable attorney's fees will be awarded to you if you 
                                           OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
                                                                                                                           Arbitration Provision, if any provision of this Agreement is finally 
   as long as you have an outstanding balance. ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT  filing fee. You may seek a waiver of the initial filing fee or any other fees  prevail in any action, suit or proceeding brought by us; or an action 
                                                                                                                           determined to be void or unenforceable under applicable law, rule or 
                                                                                   incurred in arbitration. If you seek, but do not qualify for, a waiver, we      brought by you. If you successfully assert a partial defense or set-off, 
                                           TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING                              regulation, all other provisions of this Agreement shall still be valid 
   Information Sharing You acknowledge and agree that we may  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
                                                                                                                           and enforceable.
   share information about you with others in accordance with our                  for all or part of such fees. Each party will pay for its respective            withhold from us the entire amount or such portion of the attorney 
                                           (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
   Privacy Notice (a copy of which we will provide to you and may be               attorneys�, experts� and witness fees, regardless of which party                fees as the court considers equitable.
                                           OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE                                  Certain provisions of this Agreement are stated as being subject to 
   obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from  applicable law. Such provisions may be void, unenforceable or 
   time to time).                                                                                                                                                  NJ RESIDENTS: Because certain provisions of this agreement are 
                                           OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS  another party if the arbitrator, applying applicable law, so determines.  inapplicable in some jurisdictions.
                                                                                   Allocation of fees and costs relating to appeals in arbitration will be         subject to applicable law, they may be void, unenforceable or 
                                           ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
   Notice of Inaccurate Information If you believe that we have  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  inapplicable in some jurisdictions. None of these provisions, 
                                                                                                                           ENTIRE AGREEMENT This Agreement, including any other written, 
   information about you that is inaccurate or that we have reported or                                                                                            however, is void, unenforceable or inapplicable in New Jersey.
                                           CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR  fees that apply to an arbitration proceeding with JAMS, please visit  oral or electronic document incorporated into and made a part of this 
   may report to a credit reporting agency information about you that is           http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
                                           OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE                                 Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
   inaccurate, please notify us of the specific information that you               http://www.adr.org/consumer_arbitration. The appropriate fee 
                                           AVAILABLE IN ARBITRATION. Except as set forth below, the                        your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
   believe is inaccurate by writing to us at Account Services, P.O. Box            schedule in effect from time to time is hereby incorporated by 
                                           arbitrator�s decision will be final and binding. Only a court may               agreement between you and us relating to your Account. If there is  regarding the status of your account.
   105555, Atlanta, GA 30348-5555.                                                 reference into this Arbitration Provision. The cost of arbitration may be 
                                           decide the validity of items (iii) and (iv) above. If a court holds that        any conflict between any one of these documents and this 
                                                                                   higher or lower than the cost of bringing your Claim in court, depending 
                                           items (iii) or (iv) are limited, invalid or unenforceable, then this entire     Agreement, the terms of this Agreement control. This Agreement 
                                                                                                                                                                   NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
   ARBITRATION PROVISION (AGREEMENT TO ARBITRATE                                   upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
                                           Arbitration Provision will be null and void. You or we can appeal any 
   CLAIMS) Except as otherwise stated below, if you or we so choose,               Having more than one Claim and holding face to face hearings can  of this Agreement.
                                           such holding. If a court holds that any other part(s) of this Arbitration                                               BUYER/CARDHOLDER Your name and address, our name and 
   any Claim (as defined below) will be resolved by binding arbitration            increase the cost of arbitration. Again, neither you nor we will be 
                                           Provision (other than items (iii) and (iv)) are invalid, then the                                                       address and the date on any Application or any other document or 
   pursuant to (a) this Arbitration Provision and (b) the Code of                  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
                                           remaining parts of this Arbitration Provision will remain in force. An                                                  record you sign in connection with your Account are incorporated 
   Procedure of the national arbitration organization to which the Claim           individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
                                           arbitrator will decide all other issues pertaining to arbitrability, validity,                                          here and made a part of this Agreement and represent your name 
   is referred (as in effect when the Claim is filed). Claims will be              Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
                                           interpretation and enforceability of this Arbitration Provision. The                                                    and address, our name and address, and the date on this 
   referred to either Judicial Arbitration and Mediation Services                  with respect to persons who use your Account. governed by and construed in accordance with applicable 
                                           decision of an arbitrator is as enforceable as any court order and may                                                  Agreement. The electronic record of your transmission of an Unique 
   (�JAMS�) or the American Arbitration Association (�AAA�), as                                                            federal law and, to the extent not preempted by federal law, the 
   selected by the party electing to use arbitration. Streamlined  be subject to very limited review by a court. An arbitrator may decide                          Approval Code and the consummation of a sales transaction under 
                                                                                   Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
                                           a Claim upon the submission of documents alone, or a party may                                                          this Agreement represents your signature on this Agreement.
   arbitration procedures will be used if available. If a selection by us of       pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
   one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
                                           exchange of non-privileged information relevant to the Claim,                   enforceability and interpretation of this Agreement and the  CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
   within 30 days after you receive notice of our election, to select the          seq., as amended, notwithstanding any other governing law provision             Rolla, MO
   other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
   purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
                                                                                                                                                                   REV. DATE: July 2016
   dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim.         loan is made, executed and delivered in Missouri and that we 
                                                                                   honor claims of privilege recognized at law. Judgment upon any 
                                                                                                                           make all credit decisions, open all accounts and issue all 
   present or future, (collectively, "Claims") as further described below.         arbitration award may be entered and enforced, including without 
                                           Broad Meaning of �Claims.� The term "Claims" in this Arbitration                proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
   (If for any reason a selected organization cannot, will not or ceases to        limitation by garnishment, attachment, foreclosure or other post 
                                           Provision is to be given the broadest possible meaning and includes             payments in our offices in Missouri.
   serve as an arbitration administrator, you or we may substitute                 judgment remedies, in any court having jurisdiction. The arbitrator�s           Your Billing Rights: Keep This Document For Future Use
   another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
                                                                                                                           YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
   code of procedure and is mutually acceptable to the parties.) relating to (i) the application for or issuance of your Account, (ii) use,  provided by the FAA, in which case any party can appeal the award 
                                                                                                                           (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
                                           terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
   Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
   Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
   engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
   no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
   this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
   within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
   change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
   Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
   30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
   must give us the following information: Name, Address and Account  Agreement.   invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
     You must contact us:                    Account Services Dispute Resolution
     �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
     �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
     scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
    wrong.                                   as discussed above. After we finish our investigation, we will tell  
     You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
     us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
     errors and you may have to pay the amount in question.
   What Will Happen After We Receive Your Letter
   When we receive your letter, we must do two things:
     1. Within 30 days of receiving your letter, we must tell you that we  
     received your letter. We will also tell you if we have already  
     corrected the error.
     2. Within 90 days of receiving your letter, we must either correct  
     the error or explain to you why we believe the bill is correct.
   While we investigate whether or not there has been an error:
     �  We cannot try to collect the amount in question, or report you  
     as delinquent on that amount.
     �  The charge in question may remain on your statement, and we  
     may continue to charge you interest on that amount.
     �  While you do not have to pay the amount in question, you are  
     responsible for the remainder of your balance.
     �  We can apply any unpaid amount against your credit limit.
   After we finish our investigation, one of two things will happen:
     �  If we made a mistake: You will not have to pay the amount in  
     question or any interest or other fees related to that amount.
     �  If we do not believe there was a mistake: You will have to pay  
     the amount in question, along with applicable interest and fees.  
     We will send you a statement of the amount you owe and the date  
     payment is due. We may then report you as delinquent if you do  
     not pay the amount we think you owe.
     If you receive our explanation but still believe your bill is wrong,  
     you must write to us within 10 days telling us that you still refuse  
     to pay. If you do so, we cannot report you as delinquent without  
     also reporting that you are questioning your bill. We must tell you  
     the name of anyone to whom we reported you as delinquent, and  
     we must let those organizations know when the matter has been  
     settled between us.
     If we do not follow all of the rules above, you do not have to pay  
     the first $50 of the amount you question even if your bill is correct.
   Your Rights If You Are Dissatisfied With Your Credit Card Purchases
     If you are dissatisfied with the goods or services that you have  
     purchased with your credit card, and you have tried in good faith  
     to correct the problem with the merchant, you may have the right  
     not to pay the remaining amount due on the purchase.
     To use this right, all of the following must be true:
     1. The purchase must have been made in your home state or  
     within 100 miles of your current mailing address, and the   
     purchase price must have been more than $50. (Note: Neither of  
     these are necessary if your purchase was 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:                                           How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
                                           �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
                                           additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
                                                                                   You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
                                           Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
                                           how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
                                           conditions below.
                                                                                                                           bankruptcy or insolvency proceedings; (v) become subject to 
                                                                                   YOUR CREDIT LIMIT You agree not to use your Account in any way 
                                           U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The                             attachment or garnishment proceedings; (vi) give us any misleading, 
                                                                                   that would cause you to go over your Credit Limit. We may refuse to 
                                           provisions titled �Honor Your Account,� �Postdated Checks,                      false, incomplete or incorrect information or false or fraudulent 
                                                                                   authorize or accept any transaction on your Account that would 
                                           Restrictive Endorsements Checks and Other Disputed or                           signature; (vii) die; or (viii) fail to comply with any term of this 
                                                                                   cause you to exceed your Credit Limit. We may establish different 
                                           Qualified Payments,� �Changes in Terms� and �Arbitration                        Agreement or any other agreement that you have with us. Subject to 
                                                                                   Credit Limits for different features of your Account in addition to a 
                                           Provision.�                                                                     any notice of default and right to cure or other limitation of applicable 
                                                                                   general (total) Credit Limit. If you exceed your Credit Limit, you must 
                                                                                                                           law, if you are in default, we may, in addition to any other rights that 
                                           GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
                                                                                                                           we may have under this Agreement: (a) reduce your Credit Limit or 
                                           use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
                                                                                                                           cancel your Account; (b) require you to pay your entire Account 
                                           Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
                                                                                                                           balance (including accrued but unpaid interest and any other fees 
                                           �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
                                                                                                                           and charges provided for in this Agreement) immediately; and/or (c) 
                                           member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
                                                                                                                           bring an action to collect all amounts owed.
                                           and representatives. �You,� �your� and �Cardholder� refer to the 
                                           person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
                                           appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
                                           refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
                                           otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
                                           a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
                                           Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
                                           Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
                                           other written documents (including any electronic record) evidencing 
                                                                                   record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
                                           any transactions made under your Account and any notices that we 
                                                                                   established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
                                           send to you with your Agreement are part of and incorporated into 
                                                                                   in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
                                           this Agreement. Please read and keep these documents for your 
                                                                                   account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
                                           records. This Agreement begins on the earlier of (a) the date we 
                                           finally approve your Application for credit or (b) the first date that we       payment due date following the effective date of the increase.
                                           extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
                                           This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
                                           �Arbitration Provision� below).         on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
                                                                                   Credit Limit increase requests.         amount of credit available to you at any time, with or without cause, 
                                           ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,                      subject to applicable limitations of law. We may terminate further 
                                           your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
                                           evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
                                                                                                                           that time. You may close your Account by writing to us at Account 
                                           USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
                                           lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
                                           orders) from participating establishments (each a �Purchase�) up to             this Agreement will continue to apply to any balance that you owe us 
                                                                                   certain qualifying transactions. The period of time that special terms 
                                           any credit limit we may establish for you (your �Credit Limit�). You            until you have paid everything you owe, including any interest and 
                                                                                   may be available may be limited. Information specific to any special 
                                           may use your Account only for personal, family, or household                    fees due. Account cancellation may adversely affect your credit 
                                                                                   terms will be provided at the time of offer. If you use your Account to 
                                           purposes. You may not use your Card or your Account for any illegal             history.
                                                                                   enter into a qualifying transaction, you will be deemed to have 
                                           transaction or any gambling transaction. We may decline 
                                                                                   acknowledged and agreed to the terms disclosed at the time of the 
                                           transactions for any reason, including: operational matters, default,           STATEMENTS We will send you a Statement for each monthly billing 
                                                                                   offer, which terms may modify or differ from the regular terms of this 
                                           or suspected fraudulent or unlawful activity. Transactions above a              cycle in which (i) the balance of your Account (including unpaid 
                                                                                   Agreement. No formal amendment of this Agreement will be 
                                           certain dollar amount may require authorization by us before the 
                                                                                   necessary and all terms of this Agreement will remain applicable  Purchases and Cash Advances, interest and other fees and charges) 
                                           transaction can be approved. We will not be liable for the failure to 
                                                                                   except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
                                           authorize credit because of operational difficulties or mistakes. We 
                                           may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement  $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
                                                                                   as modified by the special terms of an offer or are otherwise in default  other activity on your Account or (iv) as otherwise required by 
                                           day for security reasons, without any liability to you. We are not 
                                           responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
                                                                                   immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
                                           HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
                                           refusal of a participating establishment to honor your Account. law.            (the �Payment Due Date�).
 PAYMENT REQUIREMENTS AND CREDITING Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
   any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
 Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
 shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
 Statement. You may at any time pay off your entire balance in full  any check or other payment instrument that indicates that the  or other information provided in your Application or otherwise 
 or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
 additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
 Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
 each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
 your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
 opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
 greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
                                           without losing any of our rights under the credit agreement governing           this Agreement and subject to the requirements of applicable 
 New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
                                           your Account. (A postdated check is a check dated later than the day            law: (i) terminate this Agreement; (ii) terminate your right to 
 than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
                                           it was actually presented for payment.) We are under no obligation to           make future Purchases; (iii) change your Credit Limit; or (iv) add 
 may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
                                           hold a postdated check and we reserve the right to process every                new terms or delete or change any terms and conditions of this 
   to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
 Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
                                           processor unless you give us adequate notice and a reasonable                   non-variable to a variable periodic rate, increasing any rate of 
 in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
                                           opportunity to act on it. Except where such notice and opportunity is           interest, increasing or adding fees or charges, changing the 
 following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
                                           given, you may not hold us liable for depositing any postdated check.           method of computing the balance upon which interest is 
 (EFTs) by debit entries drawn on the bank account, debit or credit  damages.      Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
                                                                                   avoidable or refundable and you will be responsible for paying any 
 card you have identified to us in your application for this Account or  INTEREST                                          accrue). Changes that are favorable to you may be made at any 
 any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
 Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to  factors including, but not limited to, anti-fraud policies and 
                                           Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
 have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified  procedures, your record of making timely payments and staying 
                                           assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
 Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front  within your established Credit Limit on your Account with us, 
                                           monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
 payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of  your credit score and information contained in your credit 
                                           percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
 Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make  report and your proper maintenance of any checking account 
                                           (corresponding APR of 29.99%).          website that we designate or otherwise), then, to the extent not 
 electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment  used to make your automatic payments, if applicable.
                                                                                   prohibited by law, we may send notices concerning the availability of 
 and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
                                           Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
 your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment  When required by applicable law, we will provide you with written 
                                           Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
 the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment  notice of a new or deleted term or change in terms and offer you the 
                                           �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
 monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic  right to reject terms in the manner specified at the time of notice. No 
                                           we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
 receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional  new term or change in the terms of this Agreement will affect your 
                                           transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
 month on or after the Payment Due Date shown on your monthly  payment received.                                           obligation to pay all amounts owing under this Agreement.
                                           other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
 statement. (3) You agree that in the event any debit is rejected or 
                                           us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
 dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law. ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
                                           those daily balances for the billing cycle and divide the total by the 
 have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be  any portion of your Account and all or any portion of our rights under 
                                           number of days in the billing cycle. This gives us the �average daily 
 that you wish us to debit and the Bank Account on which the  mailed or delivered to us at the address for payments shown on your 
   monthly statement. Payments received at the address on the  balance� for that type of balance. MONITORING AND RECORDING To ensure that you receive quality  this Agreement to any other person without prior notice to you. You 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,              service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
 open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
 information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
                                                                                   It is our goal to provide prompt, consistent assistance and deliver 
 comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
                                                                                   accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
 Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
 until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
 Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
                                                                                   ELECTRONIC AND OTHER MEANS We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
 may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
 telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
 any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
 advance to allow us and your financial institution a reasonable  to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
 opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
 keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
 Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
 in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
 Payment Plan. Also, if there are insufficient funds in your Bank  balances. promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
 Account to process any payment, your enrollment in the Automatic  by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
 Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
 responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
 institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
 get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
 that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
 notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
 handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
 close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
   individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
 CREDIT REPORTS AND INFORMATION equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
   claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
 Credit Reports You authorize us to make or have made any credit,  party may elect arbitration. costs and expenses, including reasonable attorneys� fees, incurred by  enforce our rights or remedies at any one time, we may enforce them 
 employment or other investigative inquiries we deem appropriate to  the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
 renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
 also may obtain follow-up credit reports on you for any lawful purpose  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the  Agreement. Reasonable attorney's fees will be awarded to you if you 
   OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
 as long as you have an outstanding balance.                                       Arbitration Provision, if any provision of this Agreement is finally 
   ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT  filing fee. You may seek a waiver of the initial filing fee or any other fees  prevail in any action, suit or proceeding brought by us; or an action 
                                                                                   determined to be void or unenforceable under applicable law, rule or 
                                           incurred in arbitration. If you seek, but do not qualify for, a waiver, we      brought by you. If you successfully assert a partial defense or set-off, 
   TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING                              regulation, all other provisions of this Agreement shall still be valid 
 Information Sharing You acknowledge and agree that we may  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
                                                                                   and enforceable.
 share information about you with others in accordance with our  for all or part of such fees. Each party will pay for its respective  withhold from us the entire amount or such portion of the attorney 
   (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 Privacy Notice (a copy of which we will provide to you and may be  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
   OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE                                  Certain provisions of this Agreement are stated as being subject to 
 obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
                                                                                   applicable law. Such provisions may be void, unenforceable or 
 time to time).                                                                                                            NJ RESIDENTS: Because certain provisions of this agreement are 
   OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS  another party if the arbitrator, applying applicable law, so determines.  inapplicable in some jurisdictions.
                                           Allocation of fees and costs relating to appeals in arbitration will be         subject to applicable law, they may be void, unenforceable or 
   ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 Notice of Inaccurate Information If you believe that we have  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  inapplicable in some jurisdictions. None of these provisions, 
                                                                                   ENTIRE AGREEMENT This Agreement, including any other written,  however, is void, unenforceable or inapplicable in New Jersey.
 information about you that is inaccurate or that we have reported or  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR  fees that apply to an arbitration proceeding with JAMS, please visit  oral or electronic document incorporated into and made a part of this 
 may report to a credit reporting agency information about you that is  http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
   OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE                                 Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
 inaccurate, please notify us of the specific information that you  http://www.adr.org/consumer_arbitration. The appropriate fee 
   AVAILABLE IN ARBITRATION. Except as set forth below, the                        your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
 believe is inaccurate by writing to us at Account Services, P.O. Box  schedule in effect from time to time is hereby incorporated by 
   arbitrator�s decision will be final and binding. Only a court may               agreement between you and us relating to your Account. If there is  regarding the status of your account.
 105555, Atlanta, GA 30348-5555.           reference into this Arbitration Provision. The cost of arbitration may be 
   decide the validity of items (iii) and (iv) above. If a court holds that        any conflict between any one of these documents and this 
                                           higher or lower than the cost of bringing your Claim in court, depending 
   items (iii) or (iv) are limited, invalid or unenforceable, then this entire     Agreement, the terms of this Agreement control. This Agreement  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
 ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
   Arbitration Provision will be null and void. You or we can appeal any 
 CLAIMS) Except as otherwise stated below, if you or we so choose,  Having more than one Claim and holding face to face hearings can  of this Agreement.
   such holding. If a court holds that any other part(s) of this Arbitration                                               BUYER/CARDHOLDER Your name and address, our name and 
 any Claim (as defined below) will be resolved by binding arbitration  increase the cost of arbitration. Again, neither you nor we will be 
   Provision (other than items (iii) and (iv)) are invalid, then the                                                       address and the date on any Application or any other document or 
 pursuant to (a) this Arbitration Provision and (b) the Code of  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
   remaining parts of this Arbitration Provision will remain in force. An                                                  record you sign in connection with your Account are incorporated 
 Procedure of the national arbitration organization to which the Claim  individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
   arbitrator will decide all other issues pertaining to arbitrability, validity,                                          here and made a part of this Agreement and represent your name 
 is referred (as in effect when the Claim is filed). Claims will be  Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
   interpretation and enforceability of this Arbitration Provision. The                                                    and address, our name and address, and the date on this 
 referred to either Judicial Arbitration and Mediation Services  with respect to persons who use your Account. governed by and construed in accordance with applicable 
   decision of an arbitrator is as enforceable as any court order and may                                                  Agreement. The electronic record of your transmission of an Unique 
 (�JAMS�) or the American Arbitration Association (�AAA�), as                      federal law and, to the extent not preempted by federal law, the 
 selected by the party electing to use arbitration. Streamlined  be subject to very limited review by a court. An arbitrator may decide  Approval Code and the consummation of a sales transaction under 
                                           Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
   a Claim upon the submission of documents alone, or a party may                                                          this Agreement represents your signature on this Agreement.
 arbitration procedures will be used if available. If a selection by us of  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
 one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
   exchange of non-privileged information relevant to the Claim,                                                           CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
 within 30 days after you receive notice of our election, to select the  seq., as amended, notwithstanding any other governing law provision  enforceability and interpretation of this Agreement and the 
                                                                                                                           Rolla, MO
 other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
 purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
                                                                                                                           REV. DATE: July 2016
 dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. loan is made, executed and delivered in Missouri and that we 
                                           honor claims of privilege recognized at law. Judgment upon any 
                                                                                   make all credit decisions, open all accounts and issue all 
 present or future, (collectively, "Claims") as further described below.  arbitration award may be entered and enforced, including without 
   Broad Meaning of �Claims.� The term "Claims" in this Arbitration                proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
 (If for any reason a selected organization cannot, will not or ceases to  limitation by garnishment, attachment, foreclosure or other post 
   Provision is to be given the broadest possible meaning and includes             payments in our offices in Missouri.
 serve as an arbitration administrator, you or we may substitute  judgment remedies, in any court having jurisdiction. The arbitrator�s  Your Billing Rights: Keep This Document For Future Use
 another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
                                                                                   YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
 code of procedure and is mutually acceptable to the parties.) relating to (i) the application for or issuance of your Account, (ii) use,  provided by the FAA, in which case any party can appeal the award  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
   terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
 Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
 Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
 engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
 no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
 this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
 within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
 change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
 Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
 must give us the following information: Name, Address and Account  Agreement. invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
   You must contact us:   Account Services Dispute Resolution
   �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
  wrong.   as discussed above. After we finish our investigation, we will tell  
   You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
   us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
   errors and you may have to pay the amount in question.
 What Will Happen After We Receive Your Letter
 When we receive your letter, we must do two things:
   1. Within 30 days of receiving your letter, we must tell you that we  
   received your letter. We will also tell you if we have already  
   corrected the error.
   2. Within 90 days of receiving your letter, we must either correct  
   the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error:
   �  We cannot try to collect the amount in question, or report you  
   as delinquent on that amount.
   �  The charge in question may remain on your statement, and we  
   may continue to charge you interest on that amount.
   �  While you do not have to pay the amount in question, you are  
   responsible for the remainder of your balance.
   �  We can apply any unpaid amount against your credit limit.
 After we finish our investigation, one of two things will happen:
   �  If we made a mistake: You will not have to pay the amount in  
   question or any interest or other fees related to that amount.
   �  If we do not believe there was a mistake: You will have to pay  
   the amount in question, along with applicable interest and fees.  
   We will send you a statement of the amount you owe and the date  
   payment is due. We may then report you as delinquent if you do  
   not pay the amount we think you owe.
   If you receive our explanation but still believe your bill is wrong,  
   you must write to us within 10 days telling us that you still refuse  
   to pay. If you do so, we cannot report you as delinquent without  
   also reporting that you are questioning your bill. We must tell you  
   the name of anyone to whom we reported you as delinquent, and  
   we must let those organizations know when the matter has been  
   settled between us.
   If we do not follow all of the rules above, you do not have to pay  
   the first $50 of the amount you question even if your bill is correct.
 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   If you are dissatisfied with the goods or services that you have  
   purchased with your credit card, and you have tried in good faith  
   to correct the problem with the merchant, you may have the right  
   not to pay the remaining amount due on the purchase.
   To use this right, all of the following must be true:
   1. The purchase must have been made in your home state or  
   within 100 miles of your current mailing address, and the   
   purchase price must have been more than $50. (Note: Neither of  
   these are necessary if your purchase was 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:   How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
   �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
   additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
                                           You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
   Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
   how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
   conditions below.
                                                                                   bankruptcy or insolvency proceedings; (v) become subject to 
                                           YOUR CREDIT LIMIT You agree not to use your Account in any way 
   U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The                             attachment or garnishment proceedings; (vi) give us any misleading, 
                                           that would cause you to go over your Credit Limit. We may refuse to 
   provisions titled �Honor Your Account,� �Postdated Checks,                      false, incomplete or incorrect information or false or fraudulent 
                                           authorize or accept any transaction on your Account that would 
   Restrictive Endorsements Checks and Other Disputed or                           signature; (vii) die; or (viii) fail to comply with any term of this 
                                           cause you to exceed your Credit Limit. We may establish different 
   Qualified Payments,� �Changes in Terms� and �Arbitration                        Agreement or any other agreement that you have with us. Subject to 
                                           Credit Limits for different features of your Account in addition to a 
   Provision.�                                                                     any notice of default and right to cure or other limitation of applicable 
                                           general (total) Credit Limit. If you exceed your Credit Limit, you must 
                                                                                   law, if you are in default, we may, in addition to any other rights that 
   GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
                                                                                   we may have under this Agreement: (a) reduce your Credit Limit or 
   use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
                                                                                   cancel your Account; (b) require you to pay your entire Account 
   Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
                                                                                   balance (including accrued but unpaid interest and any other fees 
   �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
                                                                                   and charges provided for in this Agreement) immediately; and/or (c) 
   member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
                                                                                   bring an action to collect all amounts owed.
   and representatives. �You,� �your� and �Cardholder� refer to the 
   person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
   appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
   refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
   otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
   a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
   Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
   Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
   other written documents (including any electronic record) evidencing 
                                           record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
   any transactions made under your Account and any notices that we 
                                           established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
   send to you with your Agreement are part of and incorporated into 
                                           in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
   this Agreement. Please read and keep these documents for your 
                                           account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
   records. This Agreement begins on the earlier of (a) the date we 
   finally approve your Application for credit or (b) the first date that we       payment due date following the effective date of the increase.
   extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
   This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
   �Arbitration Provision� below).         on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
                                           Credit Limit increase requests.         amount of credit available to you at any time, with or without cause, 
   ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,                      subject to applicable limitations of law. We may terminate further 
   your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
   evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
                                                                                   that time. You may close your Account by writing to us at Account 
   USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
   lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
   orders) from participating establishments (each a �Purchase�) up to             this Agreement will continue to apply to any balance that you owe us 
                                           certain qualifying transactions. The period of time that special terms 
   any credit limit we may establish for you (your �Credit Limit�). You            until you have paid everything you owe, including any interest and 
                                           may be available may be limited. Information specific to any special 
   may use your Account only for personal, family, or household                    fees due. Account cancellation may adversely affect your credit 
                                           terms will be provided at the time of offer. If you use your Account to 
   purposes. You may not use your Card or your Account for any illegal             history.
                                           enter into a qualifying transaction, you will be deemed to have 
   transaction or any gambling transaction. We may decline 
                                           acknowledged and agreed to the terms disclosed at the time of the 
   transactions for any reason, including: operational matters, default,           STATEMENTS We will send you a Statement for each monthly billing 
                                           offer, which terms may modify or differ from the regular terms of this 
   or suspected fraudulent or unlawful activity. Transactions above a              cycle in which (i) the balance of your Account (including unpaid 
                                           Agreement. No formal amendment of this Agreement will be 
   certain dollar amount may require authorization by us before the 
                                           necessary and all terms of this Agreement will remain applicable  Purchases and Cash Advances, interest and other fees and charges) 
   transaction can be approved. We will not be liable for the failure to 
                                           except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
   authorize credit because of operational difficulties or mistakes. We 
   may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement  $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
                                           as modified by the special terms of an offer or are otherwise in default  other activity on your Account or (iv) as otherwise required by 
   day for security reasons, without any liability to you. We are not 
   responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
                                           immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
   HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
   refusal of a participating establishment to honor your Account. law.            (the �Payment Due Date�).
 PAYMENT REQUIREMENTS AND CREDITING Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
 any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
 Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
 shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
 Statement. You may at any time pay off your entire balance in full  any check or other payment instrument that indicates that the  or other information provided in your Application or otherwise 
 or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
 additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
 Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
 each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
 your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
 opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
 greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
   without losing any of our rights under the credit agreement governing           this Agreement and subject to the requirements of applicable 
 New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
   your Account. (A postdated check is a check dated later than the day            law: (i) terminate this Agreement; (ii) terminate your right to 
 than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
   it was actually presented for payment.) We are under no obligation to           make future Purchases; (iii) change your Credit Limit; or (iv) add 
 may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
   hold a postdated check and we reserve the right to process every                new terms or delete or change any terms and conditions of this 
 to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
 Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
   processor unless you give us adequate notice and a reasonable                   non-variable to a variable periodic rate, increasing any rate of 
 in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
   opportunity to act on it. Except where such notice and opportunity is           interest, increasing or adding fees or charges, changing the 
 following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
   given, you may not hold us liable for depositing any postdated check.           method of computing the balance upon which interest is 
 (EFTs) by debit entries drawn on the bank account, debit or credit  damages. Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
                                           avoidable or refundable and you will be responsible for paying any 
 card you have identified to us in your application for this Account or  INTEREST  accrue). Changes that are favorable to you may be made at any 
                                           interest and fees charged to your Account.
 any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  time without prior notice. Changes in terms may be based upon 
 Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to  factors including, but not limited to, anti-fraud policies and 
   Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
 have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified  procedures, your record of making timely payments and staying 
   assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
 Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front  within your established Credit Limit on your Account with us, 
   monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
 payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of  your credit score and information contained in your credit 
   percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
 Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make  report and your proper maintenance of any checking account 
   (corresponding APR of 29.99%).          website that we designate or otherwise), then, to the extent not 
 electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment  used to make your automatic payments, if applicable.
                                           prohibited by law, we may send notices concerning the availability of 
 and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
   Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
 your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment  When required by applicable law, we will provide you with written 
   Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
 the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment  notice of a new or deleted term or change in terms and offer you the 
   �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
 monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic  right to reject terms in the manner specified at the time of notice. No 
   we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
 receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional  new term or change in the terms of this Agreement will affect your 
   transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
 month on or after the Payment Due Date shown on your monthly  payment received.   obligation to pay all amounts owing under this Agreement.
   other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
 statement. (3) You agree that in the event any debit is rejected or 
   us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
 dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law. ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
   those daily balances for the billing cycle and divide the total by the 
 have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be  any portion of your Account and all or any portion of our rights under 
   number of days in the billing cycle. This gives us the �average daily 
 that you wish us to debit and the Bank Account on which the  mailed or delivered to us at the address for payments shown on your 
 monthly statement. Payments received at the address on the  balance� for that type of balance. MONITORING AND RECORDING To ensure that you receive quality  this Agreement to any other person without prior notice to you. You 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
 open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
 information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
                                           It is our goal to provide prompt, consistent assistance and deliver 
 comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
                                           accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
 Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
 until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
 Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
                                           ELECTRONIC AND OTHER MEANS We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
 may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
 telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
 any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
 advance to allow us and your financial institution a reasonable  to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
 opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
 keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
 Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
 in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
 Payment Plan. Also, if there are insufficient funds in your Bank  balances. promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
 Account to process any payment, your enrollment in the Automatic  by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
 Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
 responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
 institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
 get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
 that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
 notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
 handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
 close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
 individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
 CREDIT REPORTS AND INFORMATION equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
 claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
 Credit Reports You authorize us to make or have made any credit,  party may elect arbitration. costs and expenses, including reasonable attorneys� fees, incurred by  enforce our rights or remedies at any one time, we may enforce them 
 employment or other investigative inquiries we deem appropriate to  the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
 renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
 also may obtain follow-up credit reports on you for any lawful purpose  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the 
 OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING                                        Agreement. Reasonable attorney's fees will be awarded to you if you 
 as long as you have an outstanding balance. Arbitration Provision, if any provision of this Agreement is finally 
 ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT  filing fee. You may seek a waiver of the initial filing fee or any other fees  prevail in any action, suit or proceeding brought by us; or an action 
                                           determined to be void or unenforceable under applicable law, rule or 
   incurred in arbitration. If you seek, but do not qualify for, a waiver, we      brought by you. If you successfully assert a partial defense or set-off, 
 TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  regulation, all other provisions of this Agreement shall still be valid 
 Information Sharing You acknowledge and agree that we may  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
                                           and enforceable.
 share information about you with others in accordance with our  for all or part of such fees. Each party will pay for its respective  withhold from us the entire amount or such portion of the attorney 
 (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 Privacy Notice (a copy of which we will provide to you and may be  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
 OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  Certain provisions of this Agreement are stated as being subject to 
 obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
                                           applicable law. Such provisions may be void, unenforceable or 
 time to time).                                                                    NJ RESIDENTS: Because certain provisions of this agreement are 
 OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS  another party if the arbitrator, applying applicable law, so determines.  inapplicable in some jurisdictions.
   Allocation of fees and costs relating to appeals in arbitration will be         subject to applicable law, they may be void, unenforceable or 
 ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 Notice of Inaccurate Information If you believe that we have  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  inapplicable in some jurisdictions. None of these provisions, 
                                           ENTIRE AGREEMENT This Agreement, including any other written, 
 information about you that is inaccurate or that we have reported or              however, is void, unenforceable or inapplicable in New Jersey.
 CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR  fees that apply to an arbitration proceeding with JAMS, please visit  oral or electronic document incorporated into and made a part of this 
 may report to a credit reporting agency information about you that is  http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
 OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE  Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
 inaccurate, please notify us of the specific information that you  http://www.adr.org/consumer_arbitration. The appropriate fee 
 AVAILABLE IN ARBITRATION. Except as set forth below, the  your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
 believe is inaccurate by writing to us at Account Services, P.O. Box  schedule in effect from time to time is hereby incorporated by 
 arbitrator�s decision will be final and binding. Only a court may  agreement between you and us relating to your Account. If there is  regarding the status of your account.
 105555, Atlanta, GA 30348-5555. reference into this Arbitration Provision. The cost of arbitration may be 
 decide the validity of items (iii) and (iv) above. If a court holds that  any conflict between any one of these documents and this 
   higher or lower than the cost of bringing your Claim in court, depending 
 items (iii) or (iv) are limited, invalid or unenforceable, then this entire  Agreement, the terms of this Agreement control. This Agreement 
                                                                                   NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
 ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
 Arbitration Provision will be null and void. You or we can appeal any 
 CLAIMS) Except as otherwise stated below, if you or we so choose,  Having more than one Claim and holding face to face hearings can  of this Agreement.
 such holding. If a court holds that any other part(s) of this Arbitration         BUYER/CARDHOLDER Your name and address, our name and 
 any Claim (as defined below) will be resolved by binding arbitration  increase the cost of arbitration. Again, neither you nor we will be 
 Provision (other than items (iii) and (iv)) are invalid, then the                 address and the date on any Application or any other document or 
 pursuant to (a) this Arbitration Provision and (b) the Code of  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
 remaining parts of this Arbitration Provision will remain in force. An            record you sign in connection with your Account are incorporated 
 Procedure of the national arbitration organization to which the Claim  individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
 arbitrator will decide all other issues pertaining to arbitrability, validity,    here and made a part of this Agreement and represent your name 
 is referred (as in effect when the Claim is filed). Claims will be  Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
 interpretation and enforceability of this Arbitration Provision. The              and address, our name and address, and the date on this 
 referred to either Judicial Arbitration and Mediation Services  with respect to persons who use your Account. governed by and construed in accordance with applicable 
 decision of an arbitrator is as enforceable as any court order and may            Agreement. The electronic record of your transmission of an Unique 
 (�JAMS�) or the American Arbitration Association (�AAA�), as  federal law and, to the extent not preempted by federal law, the 
 selected by the party electing to use arbitration. Streamlined  be subject to very limited review by a court. An arbitrator may decide  Approval Code and the consummation of a sales transaction under 
   Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
 a Claim upon the submission of documents alone, or a party may                    this Agreement represents your signature on this Agreement.
 arbitration procedures will be used if available. If a selection by us of  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
 one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
 exchange of non-privileged information relevant to the Claim,  enforceability and interpretation of this Agreement and the  CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
 within 30 days after you receive notice of our election, to select the  seq., as amended, notwithstanding any other governing law provision  Rolla, MO
 other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
 purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
                                                                                   REV. DATE: July 2016
 dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. loan is made, executed and delivered in Missouri and that we 
   honor claims of privilege recognized at law. Judgment upon any 
                                           make all credit decisions, open all accounts and issue all 
 present or future, (collectively, "Claims") as further described below.  arbitration award may be entered and enforced, including without 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
 (If for any reason a selected organization cannot, will not or ceases to  limitation by garnishment, attachment, foreclosure or other post 
 Provision is to be given the broadest possible meaning and includes  payments in our offices in Missouri.
 serve as an arbitration administrator, you or we may substitute  judgment remedies, in any court having jurisdiction. The arbitrator�s  Your Billing Rights: Keep This Document For Future Use
 another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
 relating to (i) the application for or issuance of your Account, (ii) use,  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
 code of procedure and is mutually acceptable to the parties.) provided by the FAA, in which case any party can appeal the award 
                                           (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
 terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
 Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
 Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
 engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
 no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
 this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
 within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
 change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
 Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
 must give us the following information: Name, Address and Account  Agreement. invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
   You must contact us:   Account Services Dispute Resolution
   �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
  wrong.   as discussed above. After we finish our investigation, we will tell  
   You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
   us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
   errors and you may have to pay the amount in question.
 What Will Happen After We Receive Your Letter
 When we receive your letter, we must do two things:
   1. Within 30 days of receiving your letter, we must tell you that we  
   received your letter. We will also tell you if we have already  
   corrected the error.
   2. Within 90 days of receiving your letter, we must either correct  
   the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error:
   �  We cannot try to collect the amount in question, or report you  
   as delinquent on that amount.
   �  The charge in question may remain on your statement, and we  
   may continue to charge you interest on that amount.
   �  While you do not have to pay the amount in question, you are  
   responsible for the remainder of your balance.
   �  We can apply any unpaid amount against your credit limit.
 After we finish our investigation, one of two things will happen:
   �  If we made a mistake: You will not have to pay the amount in  
   question or any interest or other fees related to that amount.
   �  If we do not believe there was a mistake: You will have to pay  
   the amount in question, along with applicable interest and fees.  
   We will send you a statement of the amount you owe and the date  
   payment is due. We may then report you as delinquent if you do  
   not pay the amount we think you owe.
   If you receive our explanation but still believe your bill is wrong,  
   you must write to us within 10 days telling us that you still refuse  
   to pay. If you do so, we cannot report you as delinquent without  
   also reporting that you are questioning your bill. We must tell you  
   the name of anyone to whom we reported you as delinquent, and  
   we must let those organizations know when the matter has been  
   settled between us.
   If we do not follow all of the rules above, you do not have to pay  
   the first $50 of the amount you question even if your bill is correct.
 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   If you are dissatisfied with the goods or services that you have  
   purchased with your credit card, and you have tried in good faith  
   to correct the problem with the merchant, you may have the right  
   not to pay the remaining amount due on the purchase.
   To use this right, all of the following must be true:
   1. The purchase must have been made in your home state or  
   within 100 miles of your current mailing address, and the   
   purchase price must have been more than $50. (Note: Neither of  
   these are necessary if your purchase was 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: How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
 �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
 additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
   You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
 Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
 how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
 conditions below.
                                           bankruptcy or insolvency proceedings; (v) become subject to 
   YOUR CREDIT LIMIT You agree not to use your Account in any way 
 U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The  attachment or garnishment proceedings; (vi) give us any misleading, 
   that would cause you to go over your Credit Limit. We may refuse to 
 provisions titled �Honor Your Account,� �Postdated Checks,  false, incomplete or incorrect information or false or fraudulent 
   authorize or accept any transaction on your Account that would 
 Restrictive Endorsements Checks and Other Disputed or  signature; (vii) die; or (viii) fail to comply with any term of this 
   cause you to exceed your Credit Limit. We may establish different 
 Qualified Payments,� �Changes in Terms� and �Arbitration  Agreement or any other agreement that you have with us. Subject to 
   Credit Limits for different features of your Account in addition to a 
 Provision.�                               any notice of default and right to cure or other limitation of applicable 
   general (total) Credit Limit. If you exceed your Credit Limit, you must 
                                           law, if you are in default, we may, in addition to any other rights that 
 GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
                                           we may have under this Agreement: (a) reduce your Credit Limit or 
 use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
                                           cancel your Account; (b) require you to pay your entire Account 
 Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
                                           balance (including accrued but unpaid interest and any other fees 
 �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
                                           and charges provided for in this Agreement) immediately; and/or (c) 
 member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
                                           bring an action to collect all amounts owed.
 and representatives. �You,� �your� and �Cardholder� refer to the 
 person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
 appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
 refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
 otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
 a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
 Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
 Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
 other written documents (including any electronic record) evidencing 
   record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
 any transactions made under your Account and any notices that we 
   established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
 send to you with your Agreement are part of and incorporated into 
   in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
 this Agreement. Please read and keep these documents for your 
   account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
 records. This Agreement begins on the earlier of (a) the date we 
 finally approve your Application for credit or (b) the first date that we  payment due date following the effective date of the increase.
 extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
 This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
 �Arbitration Provision� below). on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
   Credit Limit increase requests.         amount of credit available to you at any time, with or without cause, 
 ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,  subject to applicable limitations of law. We may terminate further 
 your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
 evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
                                           that time. You may close your Account by writing to us at Account 
 USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
 lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
 orders) from participating establishments (each a �Purchase�) up to  this Agreement will continue to apply to any balance that you owe us 
   certain qualifying transactions. The period of time that special terms 
 any credit limit we may establish for you (your �Credit Limit�). You  until you have paid everything you owe, including any interest and 
   may be available may be limited. Information specific to any special 
 may use your Account only for personal, family, or household  fees due. Account cancellation may adversely affect your credit 
   terms will be provided at the time of offer. If you use your Account to 
 purposes. You may not use your Card or your Account for any illegal  history.
   enter into a qualifying transaction, you will be deemed to have 
 transaction or any gambling transaction. We may decline 
   acknowledged and agreed to the terms disclosed at the time of the 
 transactions for any reason, including: operational matters, default,  STATEMENTS We will send you a Statement for each monthly billing 
   offer, which terms may modify or differ from the regular terms of this 
 or suspected fraudulent or unlawful activity. Transactions above a  cycle in which (i) the balance of your Account (including unpaid 
   Agreement. No formal amendment of this Agreement will be 
 certain dollar amount may require authorization by us before the 
   necessary and all terms of this Agreement will remain applicable  Purchases and Cash Advances, interest and other fees and charges) 
 transaction can be approved. We will not be liable for the failure to 
   except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
 authorize credit because of operational difficulties or mistakes. We 
 may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement  $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
   as modified by the special terms of an offer or are otherwise in default  other activity on your Account or (iv) as otherwise required by 
 day for security reasons, without any liability to you. We are not 
 responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
   immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
 HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
 refusal of a participating establishment to honor your Account. law. (the �Payment Due Date�).
 PAYMENT REQUIREMENTS AND CREDITING Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
 any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
 Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
 shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
 Statement. You may at any time pay off your entire balance in full  any check or other payment instrument that indicates that the  or other information provided in your Application or otherwise 
 or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
 additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
 Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
 each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
 your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
 opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
 greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
 without losing any of our rights under the credit agreement governing  this Agreement and subject to the requirements of applicable 
 New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
 your Account. (A postdated check is a check dated later than the day  law: (i) terminate this Agreement; (ii) terminate your right to 
 than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
 it was actually presented for payment.) We are under no obligation to  make future Purchases; (iii) change your Credit Limit; or (iv) add 
 may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
 hold a postdated check and we reserve the right to process every  new terms or delete or change any terms and conditions of this 
 to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
 Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
 processor unless you give us adequate notice and a reasonable  non-variable to a variable periodic rate, increasing any rate of 
 in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
 opportunity to act on it. Except where such notice and opportunity is  interest, increasing or adding fees or charges, changing the 
 following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
 given, you may not hold us liable for depositing any postdated check. method of computing the balance upon which interest is 
 (EFTs) by debit entries drawn on the bank account, debit or credit  damages. Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
   avoidable or refundable and you will be responsible for paying any 
 card you have identified to us in your application for this Account or  INTEREST accrue). Changes that are favorable to you may be made at any 
   interest and fees charged to your Account.
 any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  time without prior notice. Changes in terms may be based upon 
 Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to  factors including, but not limited to, anti-fraud policies and 
 Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
 have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified  procedures, your record of making timely payments and staying 
 assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
 Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front  within your established Credit Limit on your Account with us, 
 monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
 payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of  your credit score and information contained in your credit 
 percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
 Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make  report and your proper maintenance of any checking account 
 (corresponding APR of 29.99%). website that we designate or otherwise), then, to the extent not 
 electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment  used to make your automatic payments, if applicable.
   prohibited by law, we may send notices concerning the availability of 
 and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
 Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
 your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment  When required by applicable law, we will provide you with written 
 Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
 the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment  notice of a new or deleted term or change in terms and offer you the 
 �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
 monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic  right to reject terms in the manner specified at the time of notice. No 
 we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
 receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional  new term or change in the terms of this Agreement will affect your 
 transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
 month on or after the Payment Due Date shown on your monthly  payment received. obligation to pay all amounts owing under this Agreement.
 other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
 statement. (3) You agree that in the event any debit is rejected or 
 us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
 dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law. ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
 those daily balances for the billing cycle and divide the total by the 
 have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be  any portion of your Account and all or any portion of our rights under 
 number of days in the billing cycle. This gives us the �average daily 
 that you wish us to debit and the Bank Account on which the  mailed or delivered to us at the address for payments shown on your  this Agreement to any other person without prior notice to you. You 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  balance� for that type of balance. MONITORING AND RECORDING To ensure that you receive quality 
   service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
 open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
 information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
   It is our goal to provide prompt, consistent assistance and deliver 
 comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
   accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
 Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
 until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
 Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
   ELECTRONIC AND OTHER MEANS We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
 may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
 telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
 any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
 advance to allow us and your financial institution a reasonable  to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
 opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
 keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
 Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
 in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
 Payment Plan. Also, if there are insufficient funds in your Bank  balances. promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
 Account to process any payment, your enrollment in the Automatic  by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
 Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
 responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
 institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
 get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
 that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
 notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
 handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
 close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
 individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
 CREDIT REPORTS AND INFORMATION equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
 claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
 Credit Reports You authorize us to make or have made any credit,  party may elect arbitration. costs and expenses, including reasonable attorneys� fees, incurred by  enforce our rights or remedies at any one time, we may enforce them 
 employment or other investigative inquiries we deem appropriate to  the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
 renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
 also may obtain follow-up credit reports on you for any lawful purpose  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the 
 OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING  Agreement. Reasonable attorney's fees will be awarded to you if you 
 as long as you have an outstanding balance. Arbitration Provision, if any provision of this Agreement is finally 
 ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT  filing fee. You may seek a waiver of the initial filing fee or any other fees  prevail in any action, suit or proceeding brought by us; or an action 
   determined to be void or unenforceable under applicable law, rule or 
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  brought by you. If you successfully assert a partial defense or set-off, 
 TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  regulation, all other provisions of this Agreement shall still be valid 
 Information Sharing You acknowledge and agree that we may  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
   and enforceable.
 share information about you with others in accordance with our  for all or part of such fees. Each party will pay for its respective  withhold from us the entire amount or such portion of the attorney 
 (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 Privacy Notice (a copy of which we will provide to you and may be  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
 OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  Certain provisions of this Agreement are stated as being subject to 
 obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
   applicable law. Such provisions may be void, unenforceable or 
 time to time).                            NJ RESIDENTS: Because certain provisions of this agreement are 
 OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS  another party if the arbitrator, applying applicable law, so determines.  inapplicable in some jurisdictions.
 Allocation of fees and costs relating to appeals in arbitration will be  subject to applicable law, they may be void, unenforceable or 
 ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 Notice of Inaccurate Information If you believe that we have  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  inapplicable in some jurisdictions. None of these provisions, 
   ENTIRE AGREEMENT This Agreement, including any other written, 
 information about you that is inaccurate or that we have reported or  however, is void, unenforceable or inapplicable in New Jersey.
 CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR  fees that apply to an arbitration proceeding with JAMS, please visit  oral or electronic document incorporated into and made a part of this 
 may report to a credit reporting agency information about you that is  http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
 OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE  Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
 inaccurate, please notify us of the specific information that you  http://www.adr.org/consumer_arbitration. The appropriate fee 
 AVAILABLE IN ARBITRATION. Except as set forth below, the  your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
 believe is inaccurate by writing to us at Account Services, P.O. Box  schedule in effect from time to time is hereby incorporated by 
 arbitrator�s decision will be final and binding. Only a court may  agreement between you and us relating to your Account. If there is  regarding the status of your account.
 105555, Atlanta, GA 30348-5555. reference into this Arbitration Provision. The cost of arbitration may be 
 decide the validity of items (iii) and (iv) above. If a court holds that  any conflict between any one of these documents and this 
 higher or lower than the cost of bringing your Claim in court, depending 
 items (iii) or (iv) are limited, invalid or unenforceable, then this entire  Agreement, the terms of this Agreement control. This Agreement 
                                           NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
 ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
 Arbitration Provision will be null and void. You or we can appeal any 
 CLAIMS) Except as otherwise stated below, if you or we so choose,  Having more than one Claim and holding face to face hearings can  of this Agreement.
 such holding. If a court holds that any other part(s) of this Arbitration  BUYER/CARDHOLDER Your name and address, our name and 
 any Claim (as defined below) will be resolved by binding arbitration  increase the cost of arbitration. Again, neither you nor we will be 
 Provision (other than items (iii) and (iv)) are invalid, then the  address and the date on any Application or any other document or 
 pursuant to (a) this Arbitration Provision and (b) the Code of  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
 remaining parts of this Arbitration Provision will remain in force. An  record you sign in connection with your Account are incorporated 
 Procedure of the national arbitration organization to which the Claim  individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
 arbitrator will decide all other issues pertaining to arbitrability, validity,  here and made a part of this Agreement and represent your name 
 is referred (as in effect when the Claim is filed). Claims will be  Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
 interpretation and enforceability of this Arbitration Provision. The  and address, our name and address, and the date on this 
 referred to either Judicial Arbitration and Mediation Services  with respect to persons who use your Account. governed by and construed in accordance with applicable 
 decision of an arbitrator is as enforceable as any court order and may  Agreement. The electronic record of your transmission of an Unique 
 (�JAMS�) or the American Arbitration Association (�AAA�), as  federal law and, to the extent not preempted by federal law, the 
 selected by the party electing to use arbitration. Streamlined  be subject to very limited review by a court. An arbitrator may decide  Approval Code and the consummation of a sales transaction under 
 Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
 a Claim upon the submission of documents alone, or a party may  this Agreement represents your signature on this Agreement.
 arbitration procedures will be used if available. If a selection by us of  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
 one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
 exchange of non-privileged information relevant to the Claim,  enforceability and interpretation of this Agreement and the  CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
 within 30 days after you receive notice of our election, to select the  seq., as amended, notwithstanding any other governing law provision  Rolla, MO
 other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
 purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
                                           REV. DATE: July 2016
 dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. loan is made, executed and delivered in Missouri and that we 
 honor claims of privilege recognized at law. Judgment upon any 
   make all credit decisions, open all accounts and issue all 
 present or future, (collectively, "Claims") as further described below.  arbitration award may be entered and enforced, including without 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
 (If for any reason a selected organization cannot, will not or ceases to  limitation by garnishment, attachment, foreclosure or other post 
 Provision is to be given the broadest possible meaning and includes  payments in our offices in Missouri.
 serve as an arbitration administrator, you or we may substitute  judgment remedies, in any court having jurisdiction. The arbitrator�s  Your Billing Rights: Keep This Document For Future Use
 another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
 relating to (i) the application for or issuance of your Account, (ii) use,  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
 code of procedure and is mutually acceptable to the parties.) provided by the FAA, in which case any party can appeal the award 
   (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
 terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
 Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
 Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
 engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
 no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
 this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
 within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
 change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
 Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
 must give us the following information: Name, Address and Account  Agreement. invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
   You must contact us:   Account Services Dispute Resolution
   �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
  wrong.   as discussed above. After we finish our investigation, we will tell  
   You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
   us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
   errors and you may have to pay the amount in question.
 What Will Happen After We Receive Your Letter
 When we receive your letter, we must do two things:
   1. Within 30 days of receiving your letter, we must tell you that we  
   received your letter. We will also tell you if we have already  
   corrected the error.
   2. Within 90 days of receiving your letter, we must either correct  
   the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error:
   �  We cannot try to collect the amount in question, or report you  
   as delinquent on that amount.
   �  The charge in question may remain on your statement, and we  
   may continue to charge you interest on that amount.
   �  While you do not have to pay the amount in question, you are  
   responsible for the remainder of your balance.
   �  We can apply any unpaid amount against your credit limit.
 After we finish our investigation, one of two things will happen:
   �  If we made a mistake: You will not have to pay the amount in  
   question or any interest or other fees related to that amount.
   �  If we do not believe there was a mistake: You will have to pay  
   the amount in question, along with applicable interest and fees.  
   We will send you a statement of the amount you owe and the date  
   payment is due. We may then report you as delinquent if you do  
   not pay the amount we think you owe.
   If you receive our explanation but still believe your bill is wrong,  
   you must write to us within 10 days telling us that you still refuse  
   to pay. If you do so, we cannot report you as delinquent without  
   also reporting that you are questioning your bill. We must tell you  
   the name of anyone to whom we reported you as delinquent, and  
   we must let those organizations know when the matter has been  
   settled between us.
   If we do not follow all of the rules above, you do not have to pay  
   the first $50 of the amount you question even if your bill is correct.
 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   If you are dissatisfied with the goods or services that you have  
   purchased with your credit card, and you have tried in good faith  
   to correct the problem with the merchant, you may have the right  
   not to pay the remaining amount due on the purchase.
   To use this right, all of the following must be true:
   1. The purchase must have been made in your home state or  
   within 100 miles of your current mailing address, and the   
   purchase price must have been more than $50. (Note: Neither of  
   these are necessary if your purchase was 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: How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
 �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
 additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
 You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
 Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
 how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
 conditions below.
   bankruptcy or insolvency proceedings; (v) become subject to 
 YOUR CREDIT LIMIT You agree not to use your Account in any way 
 U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The  attachment or garnishment proceedings; (vi) give us any misleading, 
 that would cause you to go over your Credit Limit. We may refuse to 
 provisions titled �Honor Your Account,� �Postdated Checks,  false, incomplete or incorrect information or false or fraudulent 
 authorize or accept any transaction on your Account that would 
 Restrictive Endorsements Checks and Other Disputed or  signature; (vii) die; or (viii) fail to comply with any term of this 
 cause you to exceed your Credit Limit. We may establish different 
 Qualified Payments,� �Changes in Terms� and �Arbitration  Agreement or any other agreement that you have with us. Subject to 
 Credit Limits for different features of your Account in addition to a 
 Provision.� any notice of default and right to cure or other limitation of applicable 
 general (total) Credit Limit. If you exceed your Credit Limit, you must 
   law, if you are in default, we may, in addition to any other rights that 
 GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
   we may have under this Agreement: (a) reduce your Credit Limit or 
 use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
   cancel your Account; (b) require you to pay your entire Account 
 Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
   balance (including accrued but unpaid interest and any other fees 
 �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
   and charges provided for in this Agreement) immediately; and/or (c) 
 member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
   bring an action to collect all amounts owed.
 and representatives. �You,� �your� and �Cardholder� refer to the 
 person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
 appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
 refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
 otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
 a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
 Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
 Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
 other written documents (including any electronic record) evidencing 
 record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
 any transactions made under your Account and any notices that we 
 established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
 send to you with your Agreement are part of and incorporated into 
 in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
 this Agreement. Please read and keep these documents for your 
 account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
 records. This Agreement begins on the earlier of (a) the date we 
 finally approve your Application for credit or (b) the first date that we  payment due date following the effective date of the increase.
 extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
 This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
 �Arbitration Provision� below). on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
 Credit Limit increase requests. amount of credit available to you at any time, with or without cause, 
 ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,  subject to applicable limitations of law. We may terminate further 
 your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
 evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
   that time. You may close your Account by writing to us at Account 
 USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
 lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
 orders) from participating establishments (each a �Purchase�) up to  this Agreement will continue to apply to any balance that you owe us 
 certain qualifying transactions. The period of time that special terms 
 any credit limit we may establish for you (your �Credit Limit�). You  until you have paid everything you owe, including any interest and 
 may be available may be limited. Information specific to any special 
 may use your Account only for personal, family, or household  fees due. Account cancellation may adversely affect your credit 
 terms will be provided at the time of offer. If you use your Account to 
 purposes. You may not use your Card or your Account for any illegal  history.
 enter into a qualifying transaction, you will be deemed to have 
 transaction or any gambling transaction. We may decline 
 acknowledged and agreed to the terms disclosed at the time of the 
 transactions for any reason, including: operational matters, default,  STATEMENTS We will send you a Statement for each monthly billing 
 offer, which terms may modify or differ from the regular terms of this 
 or suspected fraudulent or unlawful activity. Transactions above a  cycle in which (i) the balance of your Account (including unpaid 
 Agreement. No formal amendment of this Agreement will be 
 certain dollar amount may require authorization by us before the  Purchases and Cash Advances, interest and other fees and charges) 
 transaction can be approved. We will not be liable for the failure to  necessary and all terms of this Agreement will remain applicable 
 except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
 authorize credit because of operational difficulties or mistakes. We 
   $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
 may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement 
   other activity on your Account or (iv) as otherwise required by 
 day for security reasons, without any liability to you. We are not  as modified by the special terms of an offer or are otherwise in default 
 responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
 immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
 HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
 refusal of a participating establishment to honor your Account. law. (the �Payment Due Date�).
 PAYMENT REQUIREMENTS AND CREDITING Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
 any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
 Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
 shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
 Statement. You may at any time pay off your entire balance in full  any check or other payment instrument that indicates that the  or other information provided in your Application or otherwise 
 or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
 additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
 Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
 each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
 your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
 opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
 greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
 without losing any of our rights under the credit agreement governing  this Agreement and subject to the requirements of applicable 
 New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
 your Account. (A postdated check is a check dated later than the day  law: (i) terminate this Agreement; (ii) terminate your right to 
 than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
 it was actually presented for payment.) We are under no obligation to  make future Purchases; (iii) change your Credit Limit; or (iv) add 
 may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
 hold a postdated check and we reserve the right to process every  new terms or delete or change any terms and conditions of this 
 to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
 Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
 processor unless you give us adequate notice and a reasonable  non-variable to a variable periodic rate, increasing any rate of 
 in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
 opportunity to act on it. Except where such notice and opportunity is  interest, increasing or adding fees or charges, changing the 
 following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
 given, you may not hold us liable for depositing any postdated check. method of computing the balance upon which interest is 
 (EFTs) by debit entries drawn on the bank account, debit or credit  damages. Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
 card you have identified to us in your application for this Account or  avoidable or refundable and you will be responsible for paying any 
 INTEREST accrue). Changes that are favorable to you may be made at any 
 any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
 Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to  factors including, but not limited to, anti-fraud policies and 
 Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
 have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified  procedures, your record of making timely payments and staying 
 assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
 Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front  within your established Credit Limit on your Account with us, 
 monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
 payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of  your credit score and information contained in your credit 
 percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
 Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make  report and your proper maintenance of any checking account 
 (corresponding APR of 29.99%). website that we designate or otherwise), then, to the extent not 
 electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment  used to make your automatic payments, if applicable.
 prohibited by law, we may send notices concerning the availability of 
 and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
 Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
 your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment  When required by applicable law, we will provide you with written 
 Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
 the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment  notice of a new or deleted term or change in terms and offer you the 
 �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
 monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic  right to reject terms in the manner specified at the time of notice. No 
 we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
 receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional  new term or change in the terms of this Agreement will affect your 
 transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
 month on or after the Payment Due Date shown on your monthly  payment received. obligation to pay all amounts owing under this Agreement.
 other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
 statement. (3) You agree that in the event any debit is rejected or 
 us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
 dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law. ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
 those daily balances for the billing cycle and divide the total by the 
 have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be  any portion of your Account and all or any portion of our rights under 
 mailed or delivered to us at the address for payments shown on your  number of days in the billing cycle. This gives us the �average daily 
 that you wish us to debit and the Bank Account on which the  MONITORING AND RECORDING To ensure that you receive quality  this Agreement to any other person without prior notice to you. You 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  balance� for that type of balance.
 service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
 open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
 information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
 It is our goal to provide prompt, consistent assistance and deliver 
 comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
 accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
 Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
 until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
 Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
 ELECTRONIC AND OTHER MEANS  We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
 may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
 telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
 any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
 advance to allow us and your financial institution a reasonable  to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
 opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
 keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
 Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
 in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
 Payment Plan. Also, if there are insufficient funds in your Bank  balances. promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
 Account to process any payment, your enrollment in the Automatic  by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
 Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
 responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
 institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
 get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
 that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
 notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
 handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
 close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
 individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
 CREDIT REPORTS AND INFORMATION equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
 claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
 Credit Reports You authorize us to make or have made any credit,  enforce our rights or remedies at any one time, we may enforce them 
 party may elect arbitration. costs and expenses, including reasonable attorneys� fees, incurred by 
 employment or other investigative inquiries we deem appropriate to  the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
 renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
 also may obtain follow-up credit reports on you for any lawful purpose  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the  Agreement. Reasonable attorney's fees will be awarded to you if you 
 as long as you have an outstanding balance. Arbitration Provision, if any provision of this Agreement is finally 
 filing fee. You may seek a waiver of the initial filing fee or any other fees  prevail in any action, suit or proceeding brought by us; or an action 
 ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT  determined to be void or unenforceable under applicable law, rule or 
 TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  incurred in arbitration. If you seek, but do not qualify for, a waiver, we  brought by you. If you successfully assert a partial defense or set-off, 
 regulation, all other provisions of this Agreement shall still be valid 
 Information Sharing You acknowledge and agree that we may  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
 ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY  and enforceable.
 share information about you with others in accordance with our  withhold from us the entire amount or such portion of the attorney 
 (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE  for all or part of such fees. Each party will pay for its respective 
 Privacy Notice (a copy of which we will provide to you and may be  OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
 Certain provisions of this Agreement are stated as being subject to 
 obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
 applicable law. Such provisions may be void, unenforceable or 
 time to time). another party if the arbitrator, applying applicable law, so determines.  NJ RESIDENTS: Because certain provisions of this agreement are 
 OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS  inapplicable in some jurisdictions.
 ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY  Allocation of fees and costs relating to appeals in arbitration will be  subject to applicable law, they may be void, unenforceable or 
 Notice of Inaccurate Information If you believe that we have  inapplicable in some jurisdictions. None of these provisions, 
 CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  ENTIRE AGREEMENT This Agreement, including any other written, 
 information about you that is inaccurate or that we have reported or  fees that apply to an arbitration proceeding with JAMS, please visit  however, is void, unenforceable or inapplicable in New Jersey.
 CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR  oral or electronic document incorporated into and made a part of this 
 may report to a credit reporting agency information about you that is  http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
 OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE  Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
 inaccurate, please notify us of the specific information that you  http://www.adr.org/consumer_arbitration. The appropriate fee 
 AVAILABLE IN ARBITRATION. Except as set forth below, the  your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
 believe is inaccurate by writing to us at Account Services, P.O. Box  schedule in effect from time to time is hereby incorporated by 
 arbitrator�s decision will be final and binding. Only a court may  agreement between you and us relating to your Account. If there is  regarding the status of your account.
 105555, Atlanta, GA 30348-5555. reference into this Arbitration Provision. The cost of arbitration may be 
 decide the validity of items (iii) and (iv) above. If a court holds that  any conflict between any one of these documents and this 
 higher or lower than the cost of bringing your Claim in court, depending 
 items (iii) or (iv) are limited, invalid or unenforceable, then this entire  Agreement, the terms of this Agreement control. This Agreement 
   NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
 ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
 Arbitration Provision will be null and void. You or we can appeal any 
 CLAIMS) Except as otherwise stated below, if you or we so choose,  Having more than one Claim and holding face to face hearings can  of this Agreement.
 such holding. If a court holds that any other part(s) of this Arbitration  BUYER/CARDHOLDER Your name and address, our name and 
 any Claim (as defined below) will be resolved by binding arbitration  increase the cost of arbitration. Again, neither you nor we will be 
 Provision (other than items (iii) and (iv)) are invalid, then the  address and the date on any Application or any other document or 
 pursuant to (a) this Arbitration Provision and (b) the Code of  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
 remaining parts of this Arbitration Provision will remain in force. An  record you sign in connection with your Account are incorporated 
 Procedure of the national arbitration organization to which the Claim  individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
 arbitrator will decide all other issues pertaining to arbitrability, validity,  here and made a part of this Agreement and represent your name 
 is referred (as in effect when the Claim is filed). Claims will be  Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
 interpretation and enforceability of this Arbitration Provision. The  and address, our name and address, and the date on this 
 referred to either Judicial Arbitration and Mediation Services  with respect to persons who use your Account. governed by and construed in accordance with applicable 
 decision of an arbitrator is as enforceable as any court order and may  Agreement. The electronic record of your transmission of an Unique 
 (�JAMS�) or the American Arbitration Association (�AAA�), as  federal law and, to the extent not preempted by federal law, the 
 be subject to very limited review by a court. An arbitrator may decide  Approval Code and the consummation of a sales transaction under 
 selected by the party electing to use arbitration. Streamlined  Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
   this Agreement represents your signature on this Agreement.
 arbitration procedures will be used if available. If a selection by us of  a Claim upon the submission of documents alone, or a party may  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
 one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
   CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
 within 30 days after you receive notice of our election, to select the  exchange of non-privileged information relevant to the Claim,  seq., as amended, notwithstanding any other governing law provision  enforceability and interpretation of this Agreement and the 
 other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  Rolla, MO
 in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
 purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
 loan is made, executed and delivered in Missouri and that we  REV. DATE: July 2016
 dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. honor claims of privilege recognized at law. Judgment upon any 
 make all credit decisions, open all accounts and issue all 
 present or future, (collectively, "Claims") as further described below.  arbitration award may be entered and enforced, including without 
 proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
 (If for any reason a selected organization cannot, will not or ceases to  Broad Meaning of �Claims.� The term "Claims" in this Arbitration  limitation by garnishment, attachment, foreclosure or other post 
 Provision is to be given the broadest possible meaning and includes  payments in our offices in Missouri.
 serve as an arbitration administrator, you or we may substitute  judgment remedies, in any court having jurisdiction. The arbitrator�s  Your Billing Rights: Keep This Document For Future Use
 another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
 YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
 code of procedure and is mutually acceptable to the parties.) relating to (i) the application for or issuance of your Account, (ii) use,  provided by the FAA, in which case any party can appeal the award 
 (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
 terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
 Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
 Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
 engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
 no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
 this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
 within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
 change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
 Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
 must give us the following information: Name, Address and Account  Agreement. invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
   You must contact us:   Account Services Dispute Resolution
   �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
  wrong.   as discussed above. After we finish our investigation, we will tell  
   You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
   us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
   errors and you may have to pay the amount in question.
 What Will Happen After We Receive Your Letter
 When we receive your letter, we must do two things:
   1. Within 30 days of receiving your letter, we must tell you that we  
   received your letter. We will also tell you if we have already  
   corrected the error.
   2. Within 90 days of receiving your letter, we must either correct  
   the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error:
   �  We cannot try to collect the amount in question, or report you  
   as delinquent on that amount.
   �  The charge in question may remain on your statement, and we  
   may continue to charge you interest on that amount.
   �  While you do not have to pay the amount in question, you are  
   responsible for the remainder of your balance.
   �  We can apply any unpaid amount against your credit limit.
 After we finish our investigation, one of two things will happen:
   �  If we made a mistake: You will not have to pay the amount in  
   question or any interest or other fees related to that amount.
   �  If we do not believe there was a mistake: You will have to pay  
   the amount in question, along with applicable interest and fees.  
   We will send you a statement of the amount you owe and the date  
   payment is due. We may then report you as delinquent if you do  
   not pay the amount we think you owe.
   If you receive our explanation but still believe your bill is wrong,  
   you must write to us within 10 days telling us that you still refuse  
   to pay. If you do so, we cannot report you as delinquent without  
   also reporting that you are questioning your bill. We must tell you  
   the name of anyone to whom we reported you as delinquent, and  
   we must let those organizations know when the matter has been  
   settled between us.
   If we do not follow all of the rules above, you do not have to pay  
   the first $50 of the amount you question even if your bill is correct.
 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   If you are dissatisfied with the goods or services that you have  
   purchased with your credit card, and you have tried in good faith  
   to correct the problem with the merchant, you may have the right  
   not to pay the remaining amount due on the purchase.
   To use this right, all of the following must be true:
   1. The purchase must have been made in your home state or  
   within 100 miles of your current mailing address, and the   
   purchase price must have been more than $50. (Note: Neither of  
   these are necessary if your purchase was 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:                                                                                   How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
                                                                                   �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
                                                                                   additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
                                                                                                                           You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
                                                                                   Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
                                                                                   how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
                                                                                   conditions below.
                                                                                                                                                                   bankruptcy or insolvency proceedings; (v) become subject to 
                                                                                                                           YOUR CREDIT LIMIT You agree not to use your Account in any way 
                                                                                   U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The                             attachment or garnishment proceedings; (vi) give us any misleading, 
                                                                                                                           that would cause you to go over your Credit Limit. We may refuse to 
                                                                                   provisions titled �Honor Your Account,� �Postdated Checks,                      false, incomplete or incorrect information or false or fraudulent 
                                                                                                                           authorize or accept any transaction on your Account that would 
                                                                                   Restrictive Endorsements Checks and Other Disputed or                           signature; (vii) die; or (viii) fail to comply with any term of this 
                                                                                                                           cause you to exceed your Credit Limit. We may establish different 
                                                                                   Qualified Payments,� �Changes in Terms� and �Arbitration                        Agreement or any other agreement that you have with us. Subject to 
                                                                                                                           Credit Limits for different features of your Account in addition to a 
                                                                                   Provision.�                                                                     any notice of default and right to cure or other limitation of applicable 
                                                                                                                           general (total) Credit Limit. If you exceed your Credit Limit, you must 
                                                                                                                                                                   law, if you are in default, we may, in addition to any other rights that 
                                                                                   GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
                                                                                                                                                                   we may have under this Agreement: (a) reduce your Credit Limit or 
                                                                                   use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
                                                                                                                                                                   cancel your Account; (b) require you to pay your entire Account 
                                                                                   Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
                                                                                                                                                                   balance (including accrued but unpaid interest and any other fees 
                                                                                   �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
                                                                                                                                                                   and charges provided for in this Agreement) immediately; and/or (c) 
                                                                                   member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
                                                                                                                                                                   bring an action to collect all amounts owed.
                                                                                   and representatives. �You,� �your� and �Cardholder� refer to the 
                                                                                   person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
                                                                                   appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
                                                                                   refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
                                                                                   otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
                                                                                   a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
                                                                                   Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
                                                                                   Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
                                                                                   other written documents (including any electronic record) evidencing 
                                                                                                                           record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
                                                                                   any transactions made under your Account and any notices that we 
                                                                                                                           established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
                                                                                   send to you with your Agreement are part of and incorporated into 
                                                                                                                           in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
                                                                                   this Agreement. Please read and keep these documents for your 
                                                                                                                           account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
                                                                                   records. This Agreement begins on the earlier of (a) the date we 
                                                                                   finally approve your Application for credit or (b) the first date that we       payment due date following the effective date of the increase.
                                                                                   extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
                                                                                   This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
                                                                                   �Arbitration Provision� below).         on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
                                                                                                                           Credit Limit increase requests.         amount of credit available to you at any time, with or without cause, 
                                                                                   ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,                      subject to applicable limitations of law. We may terminate further 
                                                                                   your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
                                                                                   evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
                                                                                                                                                                   that time. You may close your Account by writing to us at Account 
                                                                                   USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
                                                                                   lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
                                                                                   orders) from participating establishments (each a �Purchase�) up to             this Agreement will continue to apply to any balance that you owe us 
                                                                                                                           certain qualifying transactions. The period of time that special terms 
                                                                                   any credit limit we may establish for you (your �Credit Limit�). You            until you have paid everything you owe, including any interest and 
                                                                                                                           may be available may be limited. Information specific to any special 
                                                                                   may use your Account only for personal, family, or household                    fees due. Account cancellation may adversely affect your credit 
                                                                                                                           terms will be provided at the time of offer. If you use your Account to 
                                                                                   purposes. You may not use your Card or your Account for any illegal             history.
                                                                                                                           enter into a qualifying transaction, you will be deemed to have 
                                                                                   transaction or any gambling transaction. We may decline 
                                                                                                                           acknowledged and agreed to the terms disclosed at the time of the 
                                                                                   transactions for any reason, including: operational matters, default,           STATEMENTS We will send you a Statement for each monthly billing 
                                                                                                                           offer, which terms may modify or differ from the regular terms of this 
                                                                                   or suspected fraudulent or unlawful activity. Transactions above a              cycle in which (i) the balance of your Account (including unpaid 
                                                                                                                           Agreement. No formal amendment of this Agreement will be 
                                                                                   certain dollar amount may require authorization by us before the                Purchases and Cash Advances, interest and other fees and charges) 
                                                                                   transaction can be approved. We will not be liable for the failure to  necessary and all terms of this Agreement will remain applicable 
                                                                                                                           except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
                                                                                   authorize credit because of operational difficulties or mistakes. We 
                                                                                                                                                                   $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
                                                                                   may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement 
                                                                                                                                                                   other activity on your Account or (iv) as otherwise required by 
                                                                                   day for security reasons, without any liability to you. We are not  as modified by the special terms of an offer or are otherwise in default 
                                                                                   responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
                                                                                                                           immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
                                                                                   HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
                                                                                   refusal of a participating establishment to honor your Account. law.            (the �Payment Due Date�).
   PAYMENT REQUIREMENTS AND CREDITING      Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
                                           any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
   Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
   shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
   Statement. You may at any time pay off your entire balance in full              any check or other payment instrument that indicates that the                   or other information provided in your Application or otherwise 
   or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
   additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
   Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
   each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
   your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
   opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
   greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
                                                                                   without losing any of our rights under the credit agreement governing           this Agreement and subject to the requirements of applicable 
   New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
                                                                                   your Account. (A postdated check is a check dated later than the day            law: (i) terminate this Agreement; (ii) terminate your right to 
   than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
                                                                                   it was actually presented for payment.) We are under no obligation to           make future Purchases; (iii) change your Credit Limit; or (iv) add 
   may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
                                                                                   hold a postdated check and we reserve the right to process every                new terms or delete or change any terms and conditions of this 
                                           to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
   Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
                                                                                   processor unless you give us adequate notice and a reasonable                   non-variable to a variable periodic rate, increasing any rate of 
   in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
                                                                                   opportunity to act on it. Except where such notice and opportunity is           interest, increasing or adding fees or charges, changing the 
   following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
                                                                                   given, you may not hold us liable for depositing any postdated check.           method of computing the balance upon which interest is 
   (EFTs) by debit entries drawn on the bank account, debit or credit  damages.                                            Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
   card you have identified to us in your application for this Account or                                                  avoidable or refundable and you will be responsible for paying any 
                                                                                   INTEREST                                                                        accrue). Changes that are favorable to you may be made at any 
   any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
   Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to                                factors including, but not limited to, anti-fraud policies and 
                                                                                   Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
   have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified                                  procedures, your record of making timely payments and staying 
                                                                                   assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
   Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front                                    within your established Credit Limit on your Account with us, 
                                                                                   monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
   payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of                              your credit score and information contained in your credit 
                                                                                   percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
   Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make                               report and your proper maintenance of any checking account 
                                                                                   (corresponding APR of 29.99%).          website that we designate or otherwise), then, to the extent not 
   electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment                   used to make your automatic payments, if applicable.
                                                                                                                           prohibited by law, we may send notices concerning the availability of 
   and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
                                                                                   Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
   your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment                             When required by applicable law, we will provide you with written 
                                                                                   Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
   the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment                                  notice of a new or deleted term or change in terms and offer you the 
                                                                                   �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
   monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic                                    right to reject terms in the manner specified at the time of notice. No 
                                                                                   we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
   receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional                               new term or change in the terms of this Agreement will affect your 
                                                                                   transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
   month on or after the Payment Due Date shown on your monthly  payment received.                                                                                 obligation to pay all amounts owing under this Agreement.
                                                                                   other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
   statement. (3) You agree that in the event any debit is rejected or 
                                                                                   us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
   dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law.                          ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
                                                                                   those daily balances for the billing cycle and divide the total by the 
   have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be                        any portion of your Account and all or any portion of our rights under 
                                           mailed or delivered to us at the address for payments shown on your  number of days in the billing cycle. This gives us the �average daily 
   that you wish us to debit and the Bank Account on which the                                                             MONITORING AND RECORDING To ensure that you receive quality  this Agreement to any other person without prior notice to you. You 
   Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  balance� for that type of balance.
                                                                                                                           service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
   open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
   information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
                                                                                                                           It is our goal to provide prompt, consistent assistance and deliver 
   comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
                                                                                                                           accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
   Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
   until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
   Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
                                                                                                                           ELECTRONIC AND OTHER MEANS  We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
   may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
   telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
   any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
   advance to allow us and your financial institution a reasonable                 to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
   opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
   keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
   Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
   in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
   Payment Plan. Also, if there are insufficient funds in your Bank  balances.     promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
   Account to process any payment, your enrollment in the Automatic                by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
   Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
   responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
   institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
   get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
   that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
   notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
   handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
   close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
                                           individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
   CREDIT REPORTS AND INFORMATION          equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
                                           claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
   Credit Reports You authorize us to make or have made any credit,                                                        enforce our rights or remedies at any one time, we may enforce them 
                                           party may elect arbitration.            costs and expenses, including reasonable attorneys� fees, incurred by 
   employment or other investigative inquiries we deem appropriate to              the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
   renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
   also may obtain follow-up credit reports on you for any lawful purpose  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the  Agreement. Reasonable attorney's fees will be awarded to you if you 
                                                                                                                           Arbitration Provision, if any provision of this Agreement is finally 
   as long as you have an outstanding balance.                                     filing fee. You may seek a waiver of the initial filing fee or any other fees   prevail in any action, suit or proceeding brought by us; or an action 
                                           ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT                             determined to be void or unenforceable under applicable law, rule or 
                                           TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  incurred in arbitration. If you seek, but do not qualify for, a waiver, we  brought by you. If you successfully assert a partial defense or set-off, 
                                                                                                                           regulation, all other provisions of this Agreement shall still be valid 
   Information Sharing You acknowledge and agree that we may                       will consider any written request by you for us to pay or reimburse you         recoupment or counterclaim to an action brought by us the court may 
                                           ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY                             and enforceable.
   share information about you with others in accordance with our                                                                                                  withhold from us the entire amount or such portion of the attorney 
                                           (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE  for all or part of such fees. Each party will pay for its respective 
   Privacy Notice (a copy of which we will provide to you and may be  OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
                                                                                                                           Certain provisions of this Agreement are stated as being subject to 
   obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
                                                                                                                           applicable law. Such provisions may be void, unenforceable or 
   time to time).                                                                  another party if the arbitrator, applying applicable law, so determines.        NJ RESIDENTS: Because certain provisions of this agreement are 
                                           OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS                                  inapplicable in some jurisdictions.
                                           ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY  Allocation of fees and costs relating to appeals in arbitration will be  subject to applicable law, they may be void, unenforceable or 
   Notice of Inaccurate Information If you believe that we have                                                                                                    inapplicable in some jurisdictions. None of these provisions, 
                                           CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  ENTIRE AGREEMENT This Agreement, including any other written, 
   information about you that is inaccurate or that we have reported or            fees that apply to an arbitration proceeding with JAMS, please visit            however, is void, unenforceable or inapplicable in New Jersey.
                                           CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR                                   oral or electronic document incorporated into and made a part of this 
   may report to a credit reporting agency information about you that is           http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
                                           OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE                                 Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
   inaccurate, please notify us of the specific information that you               http://www.adr.org/consumer_arbitration. The appropriate fee 
                                           AVAILABLE IN ARBITRATION. Except as set forth below, the                        your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
   believe is inaccurate by writing to us at Account Services, P.O. Box            schedule in effect from time to time is hereby incorporated by 
                                           arbitrator�s decision will be final and binding. Only a court may               agreement between you and us relating to your Account. If there is  regarding the status of your account.
   105555, Atlanta, GA 30348-5555.                                                 reference into this Arbitration Provision. The cost of arbitration may be 
                                           decide the validity of items (iii) and (iv) above. If a court holds that        any conflict between any one of these documents and this 
                                                                                   higher or lower than the cost of bringing your Claim in court, depending 
                                           items (iii) or (iv) are limited, invalid or unenforceable, then this entire     Agreement, the terms of this Agreement control. This Agreement 
                                                                                                                                                                   NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
   ARBITRATION PROVISION (AGREEMENT TO ARBITRATE                                   upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
                                           Arbitration Provision will be null and void. You or we can appeal any 
   CLAIMS) Except as otherwise stated below, if you or we so choose,               Having more than one Claim and holding face to face hearings can  of this Agreement.
                                           such holding. If a court holds that any other part(s) of this Arbitration                                               BUYER/CARDHOLDER Your name and address, our name and 
   any Claim (as defined below) will be resolved by binding arbitration            increase the cost of arbitration. Again, neither you nor we will be 
                                           Provision (other than items (iii) and (iv)) are invalid, then the                                                       address and the date on any Application or any other document or 
   pursuant to (a) this Arbitration Provision and (b) the Code of                  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
                                           remaining parts of this Arbitration Provision will remain in force. An                                                  record you sign in connection with your Account are incorporated 
   Procedure of the national arbitration organization to which the Claim           individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
                                           arbitrator will decide all other issues pertaining to arbitrability, validity,                                          here and made a part of this Agreement and represent your name 
   is referred (as in effect when the Claim is filed). Claims will be              Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
                                           interpretation and enforceability of this Arbitration Provision. The                                                    and address, our name and address, and the date on this 
   referred to either Judicial Arbitration and Mediation Services                  with respect to persons who use your Account. governed by and construed in accordance with applicable 
                                           decision of an arbitrator is as enforceable as any court order and may                                                  Agreement. The electronic record of your transmission of an Unique 
   (�JAMS�) or the American Arbitration Association (�AAA�), as                                                            federal law and, to the extent not preempted by federal law, the 
                                           be subject to very limited review by a court. An arbitrator may decide                                                  Approval Code and the consummation of a sales transaction under 
   selected by the party electing to use arbitration. Streamlined                  Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
                                                                                                                                                                   this Agreement represents your signature on this Agreement.
   arbitration procedures will be used if available. If a selection by us of  a Claim upon the submission of documents alone, or a party may  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
   one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
                                                                                                                                                                   CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
   within 30 days after you receive notice of our election, to select the  exchange of non-privileged information relevant to the Claim,  seq., as amended, notwithstanding any other governing law provision  enforceability and interpretation of this Agreement and the 
   other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may                        Rolla, MO
                                                                                   in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
   purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
                                                                                                                           loan is made, executed and delivered in Missouri and that we  REV. DATE: July 2016
   dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. honor claims of privilege recognized at law. Judgment upon any 
                                                                                                                           make all credit decisions, open all accounts and issue all 
   present or future, (collectively, "Claims") as further described below.         arbitration award may be entered and enforced, including without 
                                                                                                                           proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
   (If for any reason a selected organization cannot, will not or ceases to  Broad Meaning of �Claims.� The term "Claims" in this Arbitration  limitation by garnishment, attachment, foreclosure or other post 
                                           Provision is to be given the broadest possible meaning and includes             payments in our offices in Missouri.
   serve as an arbitration administrator, you or we may substitute                 judgment remedies, in any court having jurisdiction. The arbitrator�s           Your Billing Rights: Keep This Document For Future Use
   another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
                                                                                                                           YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
   code of procedure and is mutually acceptable to the parties.) relating to (i) the application for or issuance of your Account, (ii) use,  provided by the FAA, in which case any party can appeal the award 
                                                                                                                           (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
                                           terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
   Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
   Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
   engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
   no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
   this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
   within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
   change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
   Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
   30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
   must give us the following information: Name, Address and Account  Agreement.   invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
     You must contact us:                    Account Services Dispute Resolution
     �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
     �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
     scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
    wrong.                                   as discussed above. After we finish our investigation, we will tell  
     You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
     us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
     errors and you may have to pay the amount in question.
   What Will Happen After We Receive Your Letter
   When we receive your letter, we must do two things:
     1. Within 30 days of receiving your letter, we must tell you that we  
     received your letter. We will also tell you if we have already  
     corrected the error.
     2. Within 90 days of receiving your letter, we must either correct  
     the error or explain to you why we believe the bill is correct.
   While we investigate whether or not there has been an error:
     �  We cannot try to collect the amount in question, or report you  
     as delinquent on that amount.
     �  The charge in question may remain on your statement, and we  
     may continue to charge you interest on that amount.
     �  While you do not have to pay the amount in question, you are  
     responsible for the remainder of your balance.
     �  We can apply any unpaid amount against your credit limit.
   After we finish our investigation, one of two things will happen:
     �  If we made a mistake: You will not have to pay the amount in  
     question or any interest or other fees related to that amount.
     �  If we do not believe there was a mistake: You will have to pay  
     the amount in question, along with applicable interest and fees.  
     We will send you a statement of the amount you owe and the date  
     payment is due. We may then report you as delinquent if you do  
     not pay the amount we think you owe.
     If you receive our explanation but still believe your bill is wrong,  
     you must write to us within 10 days telling us that you still refuse  
     to pay. If you do so, we cannot report you as delinquent without  
     also reporting that you are questioning your bill. We must tell you  
     the name of anyone to whom we reported you as delinquent, and  
     we must let those organizations know when the matter has been  
     settled between us.
     If we do not follow all of the rules above, you do not have to pay  
     the first $50 of the amount you question even if your bill is correct.
   Your Rights If You Are Dissatisfied With Your Credit Card Purchases
     If you are dissatisfied with the goods or services that you have  
     purchased with your credit card, and you have tried in good faith  
     to correct the problem with the merchant, you may have the right  
     not to pay the remaining amount due on the purchase.
     To use this right, all of the following must be true:
     1. The purchase must have been made in your home state or  
     within 100 miles of your current mailing address, and the   
     purchase price must have been more than $50. (Note: Neither of  
     these are necessary if your purchase was 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:                                           How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
                                           �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
                                           additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
                                                                                   You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
                                           Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
                                           how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
                                           conditions below.
                                                                                                                           bankruptcy or insolvency proceedings; (v) become subject to 
                                                                                   YOUR CREDIT LIMIT You agree not to use your Account in any way 
                                           U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The                             attachment or garnishment proceedings; (vi) give us any misleading, 
                                                                                   that would cause you to go over your Credit Limit. We may refuse to 
                                           provisions titled �Honor Your Account,� �Postdated Checks,                      false, incomplete or incorrect information or false or fraudulent 
                                                                                   authorize or accept any transaction on your Account that would 
                                           Restrictive Endorsements Checks and Other Disputed or                           signature; (vii) die; or (viii) fail to comply with any term of this 
                                                                                   cause you to exceed your Credit Limit. We may establish different 
                                           Qualified Payments,� �Changes in Terms� and �Arbitration                        Agreement or any other agreement that you have with us. Subject to 
                                                                                   Credit Limits for different features of your Account in addition to a 
                                           Provision.�                                                                     any notice of default and right to cure or other limitation of applicable 
                                                                                   general (total) Credit Limit. If you exceed your Credit Limit, you must 
                                                                                                                           law, if you are in default, we may, in addition to any other rights that 
                                           GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
                                                                                                                           we may have under this Agreement: (a) reduce your Credit Limit or 
                                           use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
                                                                                                                           cancel your Account; (b) require you to pay your entire Account 
                                           Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
                                                                                                                           balance (including accrued but unpaid interest and any other fees 
                                           �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
                                                                                                                           and charges provided for in this Agreement) immediately; and/or (c) 
                                           member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
                                                                                                                           bring an action to collect all amounts owed.
                                           and representatives. �You,� �your� and �Cardholder� refer to the 
                                           person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
                                           appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
                                           refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
                                           otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
                                           a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
                                           Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
                                           Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
                                           other written documents (including any electronic record) evidencing 
                                                                                   record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
                                           any transactions made under your Account and any notices that we 
                                                                                   established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
                                           send to you with your Agreement are part of and incorporated into 
                                                                                   in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
                                           this Agreement. Please read and keep these documents for your 
                                                                                   account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
                                           records. This Agreement begins on the earlier of (a) the date we 
                                           finally approve your Application for credit or (b) the first date that we       payment due date following the effective date of the increase.
                                           extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
                                           This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
                                           �Arbitration Provision� below).         on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
                                                                                   Credit Limit increase requests.         amount of credit available to you at any time, with or without cause, 
                                           ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,                      subject to applicable limitations of law. We may terminate further 
                                           your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
                                           evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
                                                                                                                           that time. You may close your Account by writing to us at Account 
                                           USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
                                           lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
                                           orders) from participating establishments (each a �Purchase�) up to             this Agreement will continue to apply to any balance that you owe us 
                                                                                   certain qualifying transactions. The period of time that special terms 
                                           any credit limit we may establish for you (your �Credit Limit�). You            until you have paid everything you owe, including any interest and 
                                                                                   may be available may be limited. Information specific to any special 
                                           may use your Account only for personal, family, or household                    fees due. Account cancellation may adversely affect your credit 
                                                                                   terms will be provided at the time of offer. If you use your Account to 
                                           purposes. You may not use your Card or your Account for any illegal             history.
                                                                                   enter into a qualifying transaction, you will be deemed to have 
                                           transaction or any gambling transaction. We may decline 
                                                                                   acknowledged and agreed to the terms disclosed at the time of the 
                                           transactions for any reason, including: operational matters, default,           STATEMENTS We will send you a Statement for each monthly billing 
                                                                                   offer, which terms may modify or differ from the regular terms of this 
                                           or suspected fraudulent or unlawful activity. Transactions above a              cycle in which (i) the balance of your Account (including unpaid 
                                                                                   Agreement. No formal amendment of this Agreement will be 
                                           certain dollar amount may require authorization by us before the                Purchases and Cash Advances, interest and other fees and charges) 
                                           transaction can be approved. We will not be liable for the failure to  necessary and all terms of this Agreement will remain applicable 
                                                                                   except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
                                           authorize credit because of operational difficulties or mistakes. We 
                                                                                                                           $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
                                           may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement 
                                                                                                                           other activity on your Account or (iv) as otherwise required by 
                                           day for security reasons, without any liability to you. We are not  as modified by the special terms of an offer or are otherwise in default 
                                           responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
                                                                                   immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
                                           HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
                                           refusal of a participating establishment to honor your Account. law.            (the �Payment Due Date�).
 PAYMENT REQUIREMENTS AND CREDITING Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
   any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
 Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
 shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
 Statement. You may at any time pay off your entire balance in full  any check or other payment instrument that indicates that the  or other information provided in your Application or otherwise 
 or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
 additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
 Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
 each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
 your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
 opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
 greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
                                           without losing any of our rights under the credit agreement governing           this Agreement and subject to the requirements of applicable 
 New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
                                           your Account. (A postdated check is a check dated later than the day            law: (i) terminate this Agreement; (ii) terminate your right to 
 than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
                                           it was actually presented for payment.) We are under no obligation to           make future Purchases; (iii) change your Credit Limit; or (iv) add 
 may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
                                           hold a postdated check and we reserve the right to process every                new terms or delete or change any terms and conditions of this 
   to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
 Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
                                           processor unless you give us adequate notice and a reasonable                   non-variable to a variable periodic rate, increasing any rate of 
 in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
                                           opportunity to act on it. Except where such notice and opportunity is           interest, increasing or adding fees or charges, changing the 
 following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
                                           given, you may not hold us liable for depositing any postdated check.           method of computing the balance upon which interest is 
 (EFTs) by debit entries drawn on the bank account, debit or credit  damages.      Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
 card you have identified to us in your application for this Account or            avoidable or refundable and you will be responsible for paying any 
                                           INTEREST                                                                        accrue). Changes that are favorable to you may be made at any 
 any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
 Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to  factors including, but not limited to, anti-fraud policies and 
                                           Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
 have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified  procedures, your record of making timely payments and staying 
                                           assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
 Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front  within your established Credit Limit on your Account with us, 
                                           monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
 payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of  your credit score and information contained in your credit 
                                           percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
 Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make  report and your proper maintenance of any checking account 
                                           (corresponding APR of 29.99%).          website that we designate or otherwise), then, to the extent not 
 electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment  used to make your automatic payments, if applicable.
                                                                                   prohibited by law, we may send notices concerning the availability of 
 and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
                                           Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
 your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment  When required by applicable law, we will provide you with written 
                                           Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
 the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment  notice of a new or deleted term or change in terms and offer you the 
                                           �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
 monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic  right to reject terms in the manner specified at the time of notice. No 
                                           we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
 receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional  new term or change in the terms of this Agreement will affect your 
                                           transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
 month on or after the Payment Due Date shown on your monthly  payment received.                                           obligation to pay all amounts owing under this Agreement.
                                           other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
 statement. (3) You agree that in the event any debit is rejected or 
                                           us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
 dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law. ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
                                           those daily balances for the billing cycle and divide the total by the 
 have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be  any portion of your Account and all or any portion of our rights under 
   mailed or delivered to us at the address for payments shown on your  number of days in the billing cycle. This gives us the �average daily 
 that you wish us to debit and the Bank Account on which the                       MONITORING AND RECORDING To ensure that you receive quality  this Agreement to any other person without prior notice to you. You 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  balance� for that type of balance.
                                                                                   service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
 open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
 information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
                                                                                   It is our goal to provide prompt, consistent assistance and deliver 
 comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
                                                                                   accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
 Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
 until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
 Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
                                                                                   ELECTRONIC AND OTHER MEANS  We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
 may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
 telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
 any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
 advance to allow us and your financial institution a reasonable  to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
 opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
 keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
 Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
 in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
 Payment Plan. Also, if there are insufficient funds in your Bank  balances. promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
 Account to process any payment, your enrollment in the Automatic  by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
 Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
 responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
 institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
 get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
 that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
 notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
 handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
 close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
   individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
 CREDIT REPORTS AND INFORMATION equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
   claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
 Credit Reports You authorize us to make or have made any credit,                  enforce our rights or remedies at any one time, we may enforce them 
   party may elect arbitration.            costs and expenses, including reasonable attorneys� fees, incurred by 
 employment or other investigative inquiries we deem appropriate to  the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
 renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
 also may obtain follow-up credit reports on you for any lawful purpose  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the  Agreement. Reasonable attorney's fees will be awarded to you if you 
                                                                                   Arbitration Provision, if any provision of this Agreement is finally 
 as long as you have an outstanding balance. filing fee. You may seek a waiver of the initial filing fee or any other fees  prevail in any action, suit or proceeding brought by us; or an action 
   ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT                             determined to be void or unenforceable under applicable law, rule or 
   TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  incurred in arbitration. If you seek, but do not qualify for, a waiver, we  brought by you. If you successfully assert a partial defense or set-off, 
                                                                                   regulation, all other provisions of this Agreement shall still be valid 
 Information Sharing You acknowledge and agree that we may  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
   ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY                             and enforceable.
 share information about you with others in accordance with our                                                            withhold from us the entire amount or such portion of the attorney 
   (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE  for all or part of such fees. Each party will pay for its respective 
 Privacy Notice (a copy of which we will provide to you and may be  OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
                                                                                   Certain provisions of this Agreement are stated as being subject to 
 obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
                                                                                   applicable law. Such provisions may be void, unenforceable or 
 time to time).                            another party if the arbitrator, applying applicable law, so determines.        NJ RESIDENTS: Because certain provisions of this agreement are 
   OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS                                  inapplicable in some jurisdictions.
   ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY  Allocation of fees and costs relating to appeals in arbitration will be  subject to applicable law, they may be void, unenforceable or 
 Notice of Inaccurate Information If you believe that we have                                                              inapplicable in some jurisdictions. None of these provisions, 
   CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  ENTIRE AGREEMENT This Agreement, including any other written, 
 information about you that is inaccurate or that we have reported or  fees that apply to an arbitration proceeding with JAMS, please visit  however, is void, unenforceable or inapplicable in New Jersey.
   CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR                                   oral or electronic document incorporated into and made a part of this 
 may report to a credit reporting agency information about you that is  http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
   OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE                                 Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
 inaccurate, please notify us of the specific information that you  http://www.adr.org/consumer_arbitration. The appropriate fee 
   AVAILABLE IN ARBITRATION. Except as set forth below, the                        your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
 believe is inaccurate by writing to us at Account Services, P.O. Box  schedule in effect from time to time is hereby incorporated by 
   arbitrator�s decision will be final and binding. Only a court may               agreement between you and us relating to your Account. If there is  regarding the status of your account.
 105555, Atlanta, GA 30348-5555.           reference into this Arbitration Provision. The cost of arbitration may be 
   decide the validity of items (iii) and (iv) above. If a court holds that        any conflict between any one of these documents and this 
                                           higher or lower than the cost of bringing your Claim in court, depending 
   items (iii) or (iv) are limited, invalid or unenforceable, then this entire     Agreement, the terms of this Agreement control. This Agreement 
                                                                                                                           NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
 ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
   Arbitration Provision will be null and void. You or we can appeal any 
 CLAIMS) Except as otherwise stated below, if you or we so choose,  Having more than one Claim and holding face to face hearings can  of this Agreement.
   such holding. If a court holds that any other part(s) of this Arbitration                                               BUYER/CARDHOLDER Your name and address, our name and 
 any Claim (as defined below) will be resolved by binding arbitration  increase the cost of arbitration. Again, neither you nor we will be 
   Provision (other than items (iii) and (iv)) are invalid, then the                                                       address and the date on any Application or any other document or 
 pursuant to (a) this Arbitration Provision and (b) the Code of  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
   remaining parts of this Arbitration Provision will remain in force. An                                                  record you sign in connection with your Account are incorporated 
 Procedure of the national arbitration organization to which the Claim  individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
   arbitrator will decide all other issues pertaining to arbitrability, validity,                                          here and made a part of this Agreement and represent your name 
 is referred (as in effect when the Claim is filed). Claims will be  Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
   interpretation and enforceability of this Arbitration Provision. The                                                    and address, our name and address, and the date on this 
 referred to either Judicial Arbitration and Mediation Services  with respect to persons who use your Account. governed by and construed in accordance with applicable 
   decision of an arbitrator is as enforceable as any court order and may                                                  Agreement. The electronic record of your transmission of an Unique 
 (�JAMS�) or the American Arbitration Association (�AAA�), as                      federal law and, to the extent not preempted by federal law, the 
   be subject to very limited review by a court. An arbitrator may decide                                                  Approval Code and the consummation of a sales transaction under 
 selected by the party electing to use arbitration. Streamlined  Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
   a Claim upon the submission of documents alone, or a party may                                                          this Agreement represents your signature on this Agreement.
 arbitration procedures will be used if available. If a selection by us of  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
 one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
                                                                                                                           CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
 within 30 days after you receive notice of our election, to select the  exchange of non-privileged information relevant to the Claim,  seq., as amended, notwithstanding any other governing law provision  enforceability and interpretation of this Agreement and the 
 other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  Rolla, MO
                                           in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
 purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
                                                                                   loan is made, executed and delivered in Missouri and that we  REV. DATE: July 2016
 dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. honor claims of privilege recognized at law. Judgment upon any 
                                                                                   make all credit decisions, open all accounts and issue all 
 present or future, (collectively, "Claims") as further described below.  arbitration award may be entered and enforced, including without 
                                                                                   proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
 (If for any reason a selected organization cannot, will not or ceases to  Broad Meaning of �Claims.� The term "Claims" in this Arbitration  limitation by garnishment, attachment, foreclosure or other post 
   Provision is to be given the broadest possible meaning and includes             payments in our offices in Missouri.
 serve as an arbitration administrator, you or we may substitute  judgment remedies, in any court having jurisdiction. The arbitrator�s  Your Billing Rights: Keep This Document For Future Use
 another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
                                                                                   YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
 code of procedure and is mutually acceptable to the parties.) relating to (i) the application for or issuance of your Account, (ii) use,  provided by the FAA, in which case any party can appeal the award 
                                                                                   (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
   terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
 Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
 Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
 engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
 no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
 this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
 within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
 change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
 Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
 must give us the following information: Name, Address and Account  Agreement. invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
   You must contact us:   Account Services Dispute Resolution
   �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
  wrong.   as discussed above. After we finish our investigation, we will tell  
   You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
   us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
   errors and you may have to pay the amount in question.
 What Will Happen After We Receive Your Letter
 When we receive your letter, we must do two things:
   1. Within 30 days of receiving your letter, we must tell you that we  
   received your letter. We will also tell you if we have already  
   corrected the error.
   2. Within 90 days of receiving your letter, we must either correct  
   the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error:
   �  We cannot try to collect the amount in question, or report you  
   as delinquent on that amount.
   �  The charge in question may remain on your statement, and we  
   may continue to charge you interest on that amount.
   �  While you do not have to pay the amount in question, you are  
   responsible for the remainder of your balance.
   �  We can apply any unpaid amount against your credit limit.
 After we finish our investigation, one of two things will happen:
   �  If we made a mistake: You will not have to pay the amount in  
   question or any interest or other fees related to that amount.
   �  If we do not believe there was a mistake: You will have to pay  
   the amount in question, along with applicable interest and fees.  
   We will send you a statement of the amount you owe and the date  
   payment is due. We may then report you as delinquent if you do  
   not pay the amount we think you owe.
   If you receive our explanation but still believe your bill is wrong,  
   you must write to us within 10 days telling us that you still refuse  
   to pay. If you do so, we cannot report you as delinquent without  
   also reporting that you are questioning your bill. We must tell you  
   the name of anyone to whom we reported you as delinquent, and  
   we must let those organizations know when the matter has been  
   settled between us.
   If we do not follow all of the rules above, you do not have to pay  
   the first $50 of the amount you question even if your bill is correct.
 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   If you are dissatisfied with the goods or services that you have  
   purchased with your credit card, and you have tried in good faith  
   to correct the problem with the merchant, you may have the right  
   not to pay the remaining amount due on the purchase.
   To use this right, all of the following must be true:
   1. The purchase must have been made in your home state or  
   within 100 miles of your current mailing address, and the   
   purchase price must have been more than $50. (Note: Neither of  
   these are necessary if your purchase was 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:   How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
   �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
   additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
                                           You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
   Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
   how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
   conditions below.
                                                                                   bankruptcy or insolvency proceedings; (v) become subject to 
                                           YOUR CREDIT LIMIT You agree not to use your Account in any way 
   U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The                             attachment or garnishment proceedings; (vi) give us any misleading, 
                                           that would cause you to go over your Credit Limit. We may refuse to 
   provisions titled �Honor Your Account,� �Postdated Checks,                      false, incomplete or incorrect information or false or fraudulent 
                                           authorize or accept any transaction on your Account that would 
   Restrictive Endorsements Checks and Other Disputed or                           signature; (vii) die; or (viii) fail to comply with any term of this 
                                           cause you to exceed your Credit Limit. We may establish different 
   Qualified Payments,� �Changes in Terms� and �Arbitration                        Agreement or any other agreement that you have with us. Subject to 
                                           Credit Limits for different features of your Account in addition to a 
   Provision.�                                                                     any notice of default and right to cure or other limitation of applicable 
                                           general (total) Credit Limit. If you exceed your Credit Limit, you must 
                                                                                   law, if you are in default, we may, in addition to any other rights that 
   GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
                                                                                   we may have under this Agreement: (a) reduce your Credit Limit or 
   use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
                                                                                   cancel your Account; (b) require you to pay your entire Account 
   Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
                                                                                   balance (including accrued but unpaid interest and any other fees 
   �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
                                                                                   and charges provided for in this Agreement) immediately; and/or (c) 
   member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
                                                                                   bring an action to collect all amounts owed.
   and representatives. �You,� �your� and �Cardholder� refer to the 
   person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
   appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
   refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
   otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
   a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
   Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
   Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
   other written documents (including any electronic record) evidencing 
                                           record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
   any transactions made under your Account and any notices that we 
                                           established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
   send to you with your Agreement are part of and incorporated into 
                                           in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
   this Agreement. Please read and keep these documents for your 
                                           account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
   records. This Agreement begins on the earlier of (a) the date we 
   finally approve your Application for credit or (b) the first date that we       payment due date following the effective date of the increase.
   extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
   This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
   �Arbitration Provision� below).         on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
                                           Credit Limit increase requests.         amount of credit available to you at any time, with or without cause, 
   ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,                      subject to applicable limitations of law. We may terminate further 
   your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
   evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
                                                                                   that time. You may close your Account by writing to us at Account 
   USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
   lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
   orders) from participating establishments (each a �Purchase�) up to             this Agreement will continue to apply to any balance that you owe us 
                                           certain qualifying transactions. The period of time that special terms 
   any credit limit we may establish for you (your �Credit Limit�). You            until you have paid everything you owe, including any interest and 
                                           may be available may be limited. Information specific to any special 
   may use your Account only for personal, family, or household                    fees due. Account cancellation may adversely affect your credit 
                                           terms will be provided at the time of offer. If you use your Account to 
   purposes. You may not use your Card or your Account for any illegal             history.
                                           enter into a qualifying transaction, you will be deemed to have 
   transaction or any gambling transaction. We may decline 
                                           acknowledged and agreed to the terms disclosed at the time of the 
   transactions for any reason, including: operational matters, default,           STATEMENTS We will send you a Statement for each monthly billing 
                                           offer, which terms may modify or differ from the regular terms of this 
   or suspected fraudulent or unlawful activity. Transactions above a              cycle in which (i) the balance of your Account (including unpaid 
                                           Agreement. No formal amendment of this Agreement will be 
   certain dollar amount may require authorization by us before the                Purchases and Cash Advances, interest and other fees and charges) 
   transaction can be approved. We will not be liable for the failure to  necessary and all terms of this Agreement will remain applicable 
                                           except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
   authorize credit because of operational difficulties or mistakes. We 
                                                                                   $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
   may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement 
                                                                                   other activity on your Account or (iv) as otherwise required by 
   day for security reasons, without any liability to you. We are not  as modified by the special terms of an offer or are otherwise in default 
   responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
                                           immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
   HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
   refusal of a participating establishment to honor your Account. law.            (the �Payment Due Date�).
 PAYMENT REQUIREMENTS AND CREDITING Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
 any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
 Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
 shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
 Statement. You may at any time pay off your entire balance in full  any check or other payment instrument that indicates that the  or other information provided in your Application or otherwise 
 or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
 additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
 Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
 each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
 your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
 opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
 greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
   without losing any of our rights under the credit agreement governing           this Agreement and subject to the requirements of applicable 
 New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
   your Account. (A postdated check is a check dated later than the day            law: (i) terminate this Agreement; (ii) terminate your right to 
 than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
   it was actually presented for payment.) We are under no obligation to           make future Purchases; (iii) change your Credit Limit; or (iv) add 
 may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
   hold a postdated check and we reserve the right to process every                new terms or delete or change any terms and conditions of this 
 to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
 Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
   processor unless you give us adequate notice and a reasonable                   non-variable to a variable periodic rate, increasing any rate of 
 in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
   opportunity to act on it. Except where such notice and opportunity is           interest, increasing or adding fees or charges, changing the 
 following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
   given, you may not hold us liable for depositing any postdated check.           method of computing the balance upon which interest is 
 (EFTs) by debit entries drawn on the bank account, debit or credit  damages. Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
 card you have identified to us in your application for this Account or  avoidable or refundable and you will be responsible for paying any 
   INTEREST                                                                        accrue). Changes that are favorable to you may be made at any 
 any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
 Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to  factors including, but not limited to, anti-fraud policies and 
   Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
 have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified  procedures, your record of making timely payments and staying 
   assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
 Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front  within your established Credit Limit on your Account with us, 
   monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
 payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of  your credit score and information contained in your credit 
   percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
 Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make  report and your proper maintenance of any checking account 
   (corresponding APR of 29.99%).          website that we designate or otherwise), then, to the extent not 
 electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment  used to make your automatic payments, if applicable.
                                           prohibited by law, we may send notices concerning the availability of 
 and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
   Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
 your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment  When required by applicable law, we will provide you with written 
   Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
 the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment  notice of a new or deleted term or change in terms and offer you the 
   �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
 monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic  right to reject terms in the manner specified at the time of notice. No 
   we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
 receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional  new term or change in the terms of this Agreement will affect your 
   transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
 month on or after the Payment Due Date shown on your monthly  payment received.   obligation to pay all amounts owing under this Agreement.
   other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
 statement. (3) You agree that in the event any debit is rejected or 
   us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
 dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law. ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
   those daily balances for the billing cycle and divide the total by the 
 have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be  any portion of your Account and all or any portion of our rights under 
 mailed or delivered to us at the address for payments shown on your  number of days in the billing cycle. This gives us the �average daily 
 that you wish us to debit and the Bank Account on which the  MONITORING AND RECORDING To ensure that you receive quality  this Agreement to any other person without prior notice to you. You 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  balance� for that type of balance.
                                           service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
 open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
 information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
                                           It is our goal to provide prompt, consistent assistance and deliver 
 comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
                                           accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
 Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
 until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
 Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
                                           ELECTRONIC AND OTHER MEANS  We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
 may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
 telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
 any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
 advance to allow us and your financial institution a reasonable  to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
 opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
 keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
 Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
 in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
 Payment Plan. Also, if there are insufficient funds in your Bank  balances. promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
 Account to process any payment, your enrollment in the Automatic  by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
 Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
 responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
 institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
 get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
 that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
 notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
 handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
 close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
 individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
 CREDIT REPORTS AND INFORMATION equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
 claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
 Credit Reports You authorize us to make or have made any credit,  enforce our rights or remedies at any one time, we may enforce them 
 party may elect arbitration. costs and expenses, including reasonable attorneys� fees, incurred by 
 employment or other investigative inquiries we deem appropriate to  the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
 renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
 also may obtain follow-up credit reports on you for any lawful purpose  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the  Agreement. Reasonable attorney's fees will be awarded to you if you 
                                           Arbitration Provision, if any provision of this Agreement is finally 
 as long as you have an outstanding balance. filing fee. You may seek a waiver of the initial filing fee or any other fees  prevail in any action, suit or proceeding brought by us; or an action 
 ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT  determined to be void or unenforceable under applicable law, rule or 
 TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  incurred in arbitration. If you seek, but do not qualify for, a waiver, we  brought by you. If you successfully assert a partial defense or set-off, 
                                           regulation, all other provisions of this Agreement shall still be valid 
 Information Sharing You acknowledge and agree that we may  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
 ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY  and enforceable.
 share information about you with others in accordance with our                    withhold from us the entire amount or such portion of the attorney 
 (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE  for all or part of such fees. Each party will pay for its respective 
 Privacy Notice (a copy of which we will provide to you and may be  OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
                                           Certain provisions of this Agreement are stated as being subject to 
 obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
                                           applicable law. Such provisions may be void, unenforceable or 
 time to time). another party if the arbitrator, applying applicable law, so determines.  NJ RESIDENTS: Because certain provisions of this agreement are 
 OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS  inapplicable in some jurisdictions.
 ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY  Allocation of fees and costs relating to appeals in arbitration will be  subject to applicable law, they may be void, unenforceable or 
 Notice of Inaccurate Information If you believe that we have                      inapplicable in some jurisdictions. None of these provisions, 
 CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  ENTIRE AGREEMENT This Agreement, including any other written, 
 information about you that is inaccurate or that we have reported or  fees that apply to an arbitration proceeding with JAMS, please visit  however, is void, unenforceable or inapplicable in New Jersey.
 CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR  oral or electronic document incorporated into and made a part of this 
 may report to a credit reporting agency information about you that is  http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
 OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE  Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
 inaccurate, please notify us of the specific information that you  http://www.adr.org/consumer_arbitration. The appropriate fee 
 AVAILABLE IN ARBITRATION. Except as set forth below, the  your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
 believe is inaccurate by writing to us at Account Services, P.O. Box  schedule in effect from time to time is hereby incorporated by 
 arbitrator�s decision will be final and binding. Only a court may  agreement between you and us relating to your Account. If there is  regarding the status of your account.
 105555, Atlanta, GA 30348-5555. reference into this Arbitration Provision. The cost of arbitration may be 
 decide the validity of items (iii) and (iv) above. If a court holds that  any conflict between any one of these documents and this 
   higher or lower than the cost of bringing your Claim in court, depending  Agreement, the terms of this Agreement control. This Agreement 
 items (iii) or (iv) are limited, invalid or unenforceable, then this entire       NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
 ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
 Arbitration Provision will be null and void. You or we can appeal any 
 CLAIMS) Except as otherwise stated below, if you or we so choose,  Having more than one Claim and holding face to face hearings can  of this Agreement.
 such holding. If a court holds that any other part(s) of this Arbitration         BUYER/CARDHOLDER Your name and address, our name and 
 any Claim (as defined below) will be resolved by binding arbitration  increase the cost of arbitration. Again, neither you nor we will be 
 Provision (other than items (iii) and (iv)) are invalid, then the                 address and the date on any Application or any other document or 
 pursuant to (a) this Arbitration Provision and (b) the Code of  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
 remaining parts of this Arbitration Provision will remain in force. An            record you sign in connection with your Account are incorporated 
 Procedure of the national arbitration organization to which the Claim  individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
 arbitrator will decide all other issues pertaining to arbitrability, validity,    here and made a part of this Agreement and represent your name 
 is referred (as in effect when the Claim is filed). Claims will be  Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
 interpretation and enforceability of this Arbitration Provision. The              and address, our name and address, and the date on this 
 referred to either Judicial Arbitration and Mediation Services  with respect to persons who use your Account. governed by and construed in accordance with applicable 
 decision of an arbitrator is as enforceable as any court order and may            Agreement. The electronic record of your transmission of an Unique 
 (�JAMS�) or the American Arbitration Association (�AAA�), as  federal law and, to the extent not preempted by federal law, the 
 be subject to very limited review by a court. An arbitrator may decide            Approval Code and the consummation of a sales transaction under 
 selected by the party electing to use arbitration. Streamlined  Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
                                                                                   this Agreement represents your signature on this Agreement.
 arbitration procedures will be used if available. If a selection by us of  a Claim upon the submission of documents alone, or a party may  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
 one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
                                                                                   CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
 within 30 days after you receive notice of our election, to select the  exchange of non-privileged information relevant to the Claim,  seq., as amended, notwithstanding any other governing law provision  enforceability and interpretation of this Agreement and the 
                                                                                   Rolla, MO
 other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
 purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
                                           loan is made, executed and delivered in Missouri and that we  REV. DATE: July 2016
 dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. honor claims of privilege recognized at law. Judgment upon any 
                                           make all credit decisions, open all accounts and issue all 
 present or future, (collectively, "Claims") as further described below.  arbitration award may be entered and enforced, including without 
                                           proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
 (If for any reason a selected organization cannot, will not or ceases to  Broad Meaning of �Claims.� The term "Claims" in this Arbitration  limitation by garnishment, attachment, foreclosure or other post 
 Provision is to be given the broadest possible meaning and includes  payments in our offices in Missouri.
 serve as an arbitration administrator, you or we may substitute  judgment remedies, in any court having jurisdiction. The arbitrator�s  Your Billing Rights: Keep This Document For Future Use
 another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
                                           YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
 code of procedure and is mutually acceptable to the parties.) relating to (i) the application for or issuance of your Account, (ii) use,  provided by the FAA, in which case any party can appeal the award 
                                           (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
 terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
 Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
 Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
 engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
 no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
 this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
 within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
 change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
 Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
 must give us the following information: Name, Address and Account  Agreement. invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
   You must contact us:   Account Services Dispute Resolution
   �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
  wrong.   as discussed above. After we finish our investigation, we will tell  
   You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
   us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
   errors and you may have to pay the amount in question.
 What Will Happen After We Receive Your Letter
 When we receive your letter, we must do two things:
   1. Within 30 days of receiving your letter, we must tell you that we  
   received your letter. We will also tell you if we have already  
   corrected the error.
   2. Within 90 days of receiving your letter, we must either correct  
   the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error:
   �  We cannot try to collect the amount in question, or report you  
   as delinquent on that amount.
   �  The charge in question may remain on your statement, and we  
   may continue to charge you interest on that amount.
   �  While you do not have to pay the amount in question, you are  
   responsible for the remainder of your balance.
   �  We can apply any unpaid amount against your credit limit.
 After we finish our investigation, one of two things will happen:
   �  If we made a mistake: You will not have to pay the amount in  
   question or any interest or other fees related to that amount.
   �  If we do not believe there was a mistake: You will have to pay  
   the amount in question, along with applicable interest and fees.  
   We will send you a statement of the amount you owe and the date  
   payment is due. We may then report you as delinquent if you do  
   not pay the amount we think you owe.
   If you receive our explanation but still believe your bill is wrong,  
   you must write to us within 10 days telling us that you still refuse  
   to pay. If you do so, we cannot report you as delinquent without  
   also reporting that you are questioning your bill. We must tell you  
   the name of anyone to whom we reported you as delinquent, and  
   we must let those organizations know when the matter has been  
   settled between us.
   If we do not follow all of the rules above, you do not have to pay  
   the first $50 of the amount you question even if your bill is correct.
 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   If you are dissatisfied with the goods or services that you have  
   purchased with your credit card, and you have tried in good faith  
   to correct the problem with the merchant, you may have the right  
   not to pay the remaining amount due on the purchase.
   To use this right, all of the following must be true:
   1. The purchase must have been made in your home state or  
   within 100 miles of your current mailing address, and the   
   purchase price must have been more than $50. (Note: Neither of  
   these are necessary if your purchase was 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: How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
 �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
 additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
   You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
 Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
 how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
 conditions below.
                                           bankruptcy or insolvency proceedings; (v) become subject to 
   YOUR CREDIT LIMIT You agree not to use your Account in any way 
 U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The  attachment or garnishment proceedings; (vi) give us any misleading, 
   that would cause you to go over your Credit Limit. We may refuse to 
 provisions titled �Honor Your Account,� �Postdated Checks,  false, incomplete or incorrect information or false or fraudulent 
   authorize or accept any transaction on your Account that would 
 Restrictive Endorsements Checks and Other Disputed or  signature; (vii) die; or (viii) fail to comply with any term of this 
   cause you to exceed your Credit Limit. We may establish different 
 Qualified Payments,� �Changes in Terms� and �Arbitration  Agreement or any other agreement that you have with us. Subject to 
   Credit Limits for different features of your Account in addition to a 
 Provision.�                               any notice of default and right to cure or other limitation of applicable 
   general (total) Credit Limit. If you exceed your Credit Limit, you must 
                                           law, if you are in default, we may, in addition to any other rights that 
 GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
                                           we may have under this Agreement: (a) reduce your Credit Limit or 
 use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
                                           cancel your Account; (b) require you to pay your entire Account 
 Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
                                           balance (including accrued but unpaid interest and any other fees 
 �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
                                           and charges provided for in this Agreement) immediately; and/or (c) 
 member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
                                           bring an action to collect all amounts owed.
 and representatives. �You,� �your� and �Cardholder� refer to the 
 person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
 appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
 refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
 otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
 a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
 Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
 Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
 other written documents (including any electronic record) evidencing 
   record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
 any transactions made under your Account and any notices that we 
   established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
 send to you with your Agreement are part of and incorporated into 
   in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
 this Agreement. Please read and keep these documents for your 
   account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
 records. This Agreement begins on the earlier of (a) the date we 
 finally approve your Application for credit or (b) the first date that we  payment due date following the effective date of the increase.
 extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
 This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
 �Arbitration Provision� below). on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
   Credit Limit increase requests.         amount of credit available to you at any time, with or without cause, 
 ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,  subject to applicable limitations of law. We may terminate further 
 your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
 evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
                                           that time. You may close your Account by writing to us at Account 
 USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
 lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
 orders) from participating establishments (each a �Purchase�) up to  this Agreement will continue to apply to any balance that you owe us 
   certain qualifying transactions. The period of time that special terms 
 any credit limit we may establish for you (your �Credit Limit�). You  until you have paid everything you owe, including any interest and 
   may be available may be limited. Information specific to any special 
 may use your Account only for personal, family, or household  fees due. Account cancellation may adversely affect your credit 
   terms will be provided at the time of offer. If you use your Account to 
 purposes. You may not use your Card or your Account for any illegal  history.
   enter into a qualifying transaction, you will be deemed to have 
 transaction or any gambling transaction. We may decline 
   acknowledged and agreed to the terms disclosed at the time of the 
 transactions for any reason, including: operational matters, default,  STATEMENTS We will send you a Statement for each monthly billing 
   offer, which terms may modify or differ from the regular terms of this 
 or suspected fraudulent or unlawful activity. Transactions above a  cycle in which (i) the balance of your Account (including unpaid 
   Agreement. No formal amendment of this Agreement will be 
 certain dollar amount may require authorization by us before the  Purchases and Cash Advances, interest and other fees and charges) 
 transaction can be approved. We will not be liable for the failure to  necessary and all terms of this Agreement will remain applicable 
   except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
 authorize credit because of operational difficulties or mistakes. We 
                                           $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
 may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement 
                                           other activity on your Account or (iv) as otherwise required by 
 day for security reasons, without any liability to you. We are not  as modified by the special terms of an offer or are otherwise in default 
 responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
   immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
 HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
 refusal of a participating establishment to honor your Account. law. (the �Payment Due Date�).
 PAYMENT REQUIREMENTS AND CREDITING Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
 any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
 Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
 shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
 Statement. You may at any time pay off your entire balance in full  any check or other payment instrument that indicates that the  or other information provided in your Application or otherwise 
 or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
 additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
 Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
 each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
 your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
 opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
 greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
 without losing any of our rights under the credit agreement governing  this Agreement and subject to the requirements of applicable 
 New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
 your Account. (A postdated check is a check dated later than the day  law: (i) terminate this Agreement; (ii) terminate your right to 
 than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
 it was actually presented for payment.) We are under no obligation to  make future Purchases; (iii) change your Credit Limit; or (iv) add 
 may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
 hold a postdated check and we reserve the right to process every  new terms or delete or change any terms and conditions of this 
 to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
 Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
 processor unless you give us adequate notice and a reasonable  non-variable to a variable periodic rate, increasing any rate of 
 in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
 opportunity to act on it. Except where such notice and opportunity is  interest, increasing or adding fees or charges, changing the 
 following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
 given, you may not hold us liable for depositing any postdated check. method of computing the balance upon which interest is 
 (EFTs) by debit entries drawn on the bank account, debit or credit  damages. Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
 card you have identified to us in your application for this Account or  avoidable or refundable and you will be responsible for paying any 
 INTEREST                                  accrue). Changes that are favorable to you may be made at any 
 any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
 Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to  factors including, but not limited to, anti-fraud policies and 
 Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
 have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified  procedures, your record of making timely payments and staying 
 assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
 Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front  within your established Credit Limit on your Account with us, 
 monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
 payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of  your credit score and information contained in your credit 
 percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
 Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make  report and your proper maintenance of any checking account 
 (corresponding APR of 29.99%). website that we designate or otherwise), then, to the extent not 
 electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment  used to make your automatic payments, if applicable.
   prohibited by law, we may send notices concerning the availability of 
 and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
 Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
 your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment  When required by applicable law, we will provide you with written 
 Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
 the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment  notice of a new or deleted term or change in terms and offer you the 
 �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
 monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic  right to reject terms in the manner specified at the time of notice. No 
 we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
 receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional  new term or change in the terms of this Agreement will affect your 
 transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
 month on or after the Payment Due Date shown on your monthly  payment received. obligation to pay all amounts owing under this Agreement.
 other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
 statement. (3) You agree that in the event any debit is rejected or 
 us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
 dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law. ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
 those daily balances for the billing cycle and divide the total by the 
 have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be  any portion of your Account and all or any portion of our rights under 
 mailed or delivered to us at the address for payments shown on your  number of days in the billing cycle. This gives us the �average daily 
 that you wish us to debit and the Bank Account on which the  MONITORING AND RECORDING To ensure that you receive quality  this Agreement to any other person without prior notice to you. You 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  balance� for that type of balance.
   service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
 open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
 information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
   It is our goal to provide prompt, consistent assistance and deliver 
 comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
   accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
 Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
 until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
 Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
   ELECTRONIC AND OTHER MEANS  We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
 may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
 telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
 any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
 advance to allow us and your financial institution a reasonable  to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
 opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
 keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
 Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
 in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
 Payment Plan. Also, if there are insufficient funds in your Bank  balances. promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
 Account to process any payment, your enrollment in the Automatic  by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
 Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
 responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
 institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
 get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
 that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
 notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
 handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
 close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
 individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
 CREDIT REPORTS AND INFORMATION equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
 claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
 Credit Reports You authorize us to make or have made any credit,  enforce our rights or remedies at any one time, we may enforce them 
 party may elect arbitration. costs and expenses, including reasonable attorneys� fees, incurred by 
 employment or other investigative inquiries we deem appropriate to  the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
 renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
 also may obtain follow-up credit reports on you for any lawful purpose  SEVERABILITY Except as otherwise expressly provided in the 
 OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING  the time the Claim is filed. The party initiating the arbitration will pay the  Agreement. Reasonable attorney's fees will be awarded to you if you 
   Arbitration Provision, if any provision of this Agreement is finally 
 as long as you have an outstanding balance. prevail in any action, suit or proceeding brought by us; or an action 
 ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT  filing fee. You may seek a waiver of the initial filing fee or any other fees 
   determined to be void or unenforceable under applicable law, rule or 
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  brought by you. If you successfully assert a partial defense or set-off, 
 TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  regulation, all other provisions of this Agreement shall still be valid 
 Information Sharing You acknowledge and agree that we may  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
 ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY  and enforceable.
 share information about you with others in accordance with our  withhold from us the entire amount or such portion of the attorney 
 (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE  for all or part of such fees. Each party will pay for its respective 
 Privacy Notice (a copy of which we will provide to you and may be  OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
   Certain provisions of this Agreement are stated as being subject to 
 obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from  applicable law. Such provisions may be void, unenforceable or 
 time to time). another party if the arbitrator, applying applicable law, so determines.  NJ RESIDENTS: Because certain provisions of this agreement are 
 OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS  inapplicable in some jurisdictions.
 ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY  Allocation of fees and costs relating to appeals in arbitration will be  subject to applicable law, they may be void, unenforceable or 
 Notice of Inaccurate Information If you believe that we have  inapplicable in some jurisdictions. None of these provisions, 
 CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  ENTIRE AGREEMENT This Agreement, including any other written,  however, is void, unenforceable or inapplicable in New Jersey.
 information about you that is inaccurate or that we have reported or  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR  fees that apply to an arbitration proceeding with JAMS, please visit  oral or electronic document incorporated into and made a part of this 
 may report to a credit reporting agency information about you that is  http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
 OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE  Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
 inaccurate, please notify us of the specific information that you  http://www.adr.org/consumer_arbitration. The appropriate fee 
 AVAILABLE IN ARBITRATION. Except as set forth below, the  your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
 believe is inaccurate by writing to us at Account Services, P.O. Box  schedule in effect from time to time is hereby incorporated by 
 arbitrator�s decision will be final and binding. Only a court may  agreement between you and us relating to your Account. If there is  regarding the status of your account.
 105555, Atlanta, GA 30348-5555. reference into this Arbitration Provision. The cost of arbitration may be 
 decide the validity of items (iii) and (iv) above. If a court holds that  any conflict between any one of these documents and this 
 higher or lower than the cost of bringing your Claim in court, depending  Agreement, the terms of this Agreement control. This Agreement 
 items (iii) or (iv) are limited, invalid or unenforceable, then this entire  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
 ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
 Arbitration Provision will be null and void. You or we can appeal any 
 CLAIMS) Except as otherwise stated below, if you or we so choose,  Having more than one Claim and holding face to face hearings can  of this Agreement.
 such holding. If a court holds that any other part(s) of this Arbitration  BUYER/CARDHOLDER Your name and address, our name and 
 any Claim (as defined below) will be resolved by binding arbitration  increase the cost of arbitration. Again, neither you nor we will be 
 Provision (other than items (iii) and (iv)) are invalid, then the  address and the date on any Application or any other document or 
 pursuant to (a) this Arbitration Provision and (b) the Code of  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
 remaining parts of this Arbitration Provision will remain in force. An  record you sign in connection with your Account are incorporated 
 Procedure of the national arbitration organization to which the Claim  individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
 arbitrator will decide all other issues pertaining to arbitrability, validity,  here and made a part of this Agreement and represent your name 
 is referred (as in effect when the Claim is filed). Claims will be  Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
 interpretation and enforceability of this Arbitration Provision. The  and address, our name and address, and the date on this 
 referred to either Judicial Arbitration and Mediation Services  with respect to persons who use your Account. governed by and construed in accordance with applicable 
 decision of an arbitrator is as enforceable as any court order and may  Agreement. The electronic record of your transmission of an Unique 
 (�JAMS�) or the American Arbitration Association (�AAA�), as  federal law and, to the extent not preempted by federal law, the 
                                           Approval Code and the consummation of a sales transaction under 
 selected by the party electing to use arbitration. Streamlined  be subject to very limited review by a court. An arbitrator may decide 
 Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
 arbitration procedures will be used if available. If a selection by us of  a Claim upon the submission of documents alone, or a party may  this Agreement represents your signature on this Agreement.
 pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
 one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
 within 30 days after you receive notice of our election, to select the  exchange of non-privileged information relevant to the Claim,  CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
 seq., as amended, notwithstanding any other governing law provision  enforceability and interpretation of this Agreement and the 
                                           Rolla, MO
 other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
 purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  Agreement will be governed by such laws. You agree that this 
 consistent with the FAA and applicable statutes of limitations and will 
   loan is made, executed and delivered in Missouri and that we  REV. DATE: July 2016
 dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. honor claims of privilege recognized at law. Judgment upon any 
   make all credit decisions, open all accounts and issue all 
 present or future, (collectively, "Claims") as further described below.  arbitration award may be entered and enforced, including without 
   proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
 (If for any reason a selected organization cannot, will not or ceases to  Broad Meaning of �Claims.� The term "Claims" in this Arbitration  limitation by garnishment, attachment, foreclosure or other post 
 Provision is to be given the broadest possible meaning and includes  payments in our offices in Missouri.
 serve as an arbitration administrator, you or we may substitute  judgment remedies, in any court having jurisdiction. The arbitrator�s  Your Billing Rights: Keep This Document For Future Use
 another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
   YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
 code of procedure and is mutually acceptable to the parties.) relating to (i) the application for or issuance of your Account, (ii) use,  provided by the FAA, in which case any party can appeal the award  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
 terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
 Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
 Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
 engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
 no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
 this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
 within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
 change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
 Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
 must give us the following information: Name, Address and Account  Agreement. invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
   You must contact us:   Account Services Dispute Resolution
   �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
  wrong.   as discussed above. After we finish our investigation, we will tell  
   You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
   us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
   errors and you may have to pay the amount in question.
 What Will Happen After We Receive Your Letter
 When we receive your letter, we must do two things:
   1. Within 30 days of receiving your letter, we must tell you that we  
   received your letter. We will also tell you if we have already  
   corrected the error.
   2. Within 90 days of receiving your letter, we must either correct  
   the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error:
   �  We cannot try to collect the amount in question, or report you  
   as delinquent on that amount.
   �  The charge in question may remain on your statement, and we  
   may continue to charge you interest on that amount.
   �  While you do not have to pay the amount in question, you are  
   responsible for the remainder of your balance.
   �  We can apply any unpaid amount against your credit limit.
 After we finish our investigation, one of two things will happen:
   �  If we made a mistake: You will not have to pay the amount in  
   question or any interest or other fees related to that amount.
   �  If we do not believe there was a mistake: You will have to pay  
   the amount in question, along with applicable interest and fees.  
   We will send you a statement of the amount you owe and the date  
   payment is due. We may then report you as delinquent if you do  
   not pay the amount we think you owe.
   If you receive our explanation but still believe your bill is wrong,  
   you must write to us within 10 days telling us that you still refuse  
   to pay. If you do so, we cannot report you as delinquent without  
   also reporting that you are questioning your bill. We must tell you  
   the name of anyone to whom we reported you as delinquent, and  
   we must let those organizations know when the matter has been  
   settled between us.
   If we do not follow all of the rules above, you do not have to pay  
   the first $50 of the amount you question even if your bill is correct.
 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   If you are dissatisfied with the goods or services that you have  
   purchased with your credit card, and you have tried in good faith  
   to correct the problem with the merchant, you may have the right  
   not to pay the remaining amount due on the purchase.
   To use this right, all of the following must be true:
   1. The purchase must have been made in your home state or  
   within 100 miles of your current mailing address, and the   
   purchase price must have been more than $50. (Note: Neither of  
   these are necessary if your purchase was 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: How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
 �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
 additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
 You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
 Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
 how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
 conditions below.
   bankruptcy or insolvency proceedings; (v) become subject to 
 YOUR CREDIT LIMIT You agree not to use your Account in any way 
 U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The  attachment or garnishment proceedings; (vi) give us any misleading, 
 that would cause you to go over your Credit Limit. We may refuse to 
 provisions titled �Honor Your Account,� �Postdated Checks,  false, incomplete or incorrect information or false or fraudulent 
 authorize or accept any transaction on your Account that would 
 Restrictive Endorsements Checks and Other Disputed or  signature; (vii) die; or (viii) fail to comply with any term of this 
 cause you to exceed your Credit Limit. We may establish different 
 Qualified Payments,� �Changes in Terms� and �Arbitration  Agreement or any other agreement that you have with us. Subject to 
 Credit Limits for different features of your Account in addition to a 
 Provision.� any notice of default and right to cure or other limitation of applicable 
 general (total) Credit Limit. If you exceed your Credit Limit, you must 
   law, if you are in default, we may, in addition to any other rights that 
 GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
   we may have under this Agreement: (a) reduce your Credit Limit or 
 use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
   cancel your Account; (b) require you to pay your entire Account 
 Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
   balance (including accrued but unpaid interest and any other fees 
 �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
   and charges provided for in this Agreement) immediately; and/or (c) 
 member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
   bring an action to collect all amounts owed.
 and representatives. �You,� �your� and �Cardholder� refer to the 
 person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
 appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
 refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
 otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
 a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
 Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
 Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
 other written documents (including any electronic record) evidencing 
 record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
 any transactions made under your Account and any notices that we 
 established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
 send to you with your Agreement are part of and incorporated into 
 in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
 this Agreement. Please read and keep these documents for your 
 account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
 records. This Agreement begins on the earlier of (a) the date we 
 finally approve your Application for credit or (b) the first date that we  payment due date following the effective date of the increase.
 extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
 This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
 �Arbitration Provision� below). on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
 Credit Limit increase requests. amount of credit available to you at any time, with or without cause, 
 ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,  subject to applicable limitations of law. We may terminate further 
 your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
 evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
   that time. You may close your Account by writing to us at Account 
 USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
 lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
 orders) from participating establishments (each a �Purchase�) up to  this Agreement will continue to apply to any balance that you owe us 
 certain qualifying transactions. The period of time that special terms 
 any credit limit we may establish for you (your �Credit Limit�). You  until you have paid everything you owe, including any interest and 
 may be available may be limited. Information specific to any special 
 may use your Account only for personal, family, or household  fees due. Account cancellation may adversely affect your credit 
 terms will be provided at the time of offer. If you use your Account to 
 purposes. You may not use your Card or your Account for any illegal  history.
 enter into a qualifying transaction, you will be deemed to have 
 transaction or any gambling transaction. We may decline 
 acknowledged and agreed to the terms disclosed at the time of the 
 transactions for any reason, including: operational matters, default,  STATEMENTS We will send you a Statement for each monthly billing 
 offer, which terms may modify or differ from the regular terms of this 
 or suspected fraudulent or unlawful activity. Transactions above a  cycle in which (i) the balance of your Account (including unpaid 
 Agreement. No formal amendment of this Agreement will be 
 certain dollar amount may require authorization by us before the  Purchases and Cash Advances, interest and other fees and charges) 
 transaction can be approved. We will not be liable for the failure to  necessary and all terms of this Agreement will remain applicable 
 except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
 authorize credit because of operational difficulties or mistakes. We 
   $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
 may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement 
   other activity on your Account or (iv) as otherwise required by 
 day for security reasons, without any liability to you. We are not  as modified by the special terms of an offer or are otherwise in default 
 responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
 immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
 HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
 refusal of a participating establishment to honor your Account. law. (the �Payment Due Date�).
 PAYMENT REQUIREMENTS AND CREDITING Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
 any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
 Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
 shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
 Statement. You may at any time pay off your entire balance in full  any check or other payment instrument that indicates that the  or other information provided in your Application or otherwise 
 or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
 additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
 Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
 each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
 your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
 opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
 greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
 without losing any of our rights under the credit agreement governing  this Agreement and subject to the requirements of applicable 
 New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
 your Account. (A postdated check is a check dated later than the day  law: (i) terminate this Agreement; (ii) terminate your right to 
 than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
 it was actually presented for payment.) We are under no obligation to  make future Purchases; (iii) change your Credit Limit; or (iv) add 
 may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
 hold a postdated check and we reserve the right to process every  new terms or delete or change any terms and conditions of this 
 to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
 Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
 processor unless you give us adequate notice and a reasonable  non-variable to a variable periodic rate, increasing any rate of 
 in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
 opportunity to act on it. Except where such notice and opportunity is  interest, increasing or adding fees or charges, changing the 
 following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
 given, you may not hold us liable for depositing any postdated check. method of computing the balance upon which interest is 
 (EFTs) by debit entries drawn on the bank account, debit or credit  damages. Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
 card you have identified to us in your application for this Account or  avoidable or refundable and you will be responsible for paying any 
 INTEREST accrue). Changes that are favorable to you may be made at any 
 any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
 Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to  factors including, but not limited to, anti-fraud policies and 
 Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
 have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified  procedures, your record of making timely payments and staying 
 assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
 Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front  within your established Credit Limit on your Account with us, 
 monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
 payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of  your credit score and information contained in your credit 
 percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
 Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make  report and your proper maintenance of any checking account 
 (corresponding APR of 29.99%). website that we designate or otherwise), then, to the extent not 
 electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment  used to make your automatic payments, if applicable.
 prohibited by law, we may send notices concerning the availability of 
 and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
 Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
 your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment  When required by applicable law, we will provide you with written 
 Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
 the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment  notice of a new or deleted term or change in terms and offer you the 
 �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
 monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic  right to reject terms in the manner specified at the time of notice. No 
 we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
 receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional  new term or change in the terms of this Agreement will affect your 
 transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
 month on or after the Payment Due Date shown on your monthly  payment received. obligation to pay all amounts owing under this Agreement.
 other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
 statement. (3) You agree that in the event any debit is rejected or 
 us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
 dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law. ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
 those daily balances for the billing cycle and divide the total by the 
 have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be  any portion of your Account and all or any portion of our rights under 
 mailed or delivered to us at the address for payments shown on your  number of days in the billing cycle. This gives us the �average daily 
 that you wish us to debit and the Bank Account on which the  MONITORING AND RECORDING To ensure that you receive quality  this Agreement to any other person without prior notice to you. You 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  balance� for that type of balance.
 service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
 open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
 information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
 It is our goal to provide prompt, consistent assistance and deliver 
 comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
 accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
 Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
 until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
 Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
 ELECTRONIC AND OTHER MEANS  We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
 may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
 telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
 any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
 advance to allow us and your financial institution a reasonable  to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
 opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
 keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
 Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
 in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
 Payment Plan. Also, if there are insufficient funds in your Bank  balances. promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
 Account to process any payment, your enrollment in the Automatic  by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
 Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
 responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
 institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
 get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
 that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
 notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
 handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
 close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
 individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
 CREDIT REPORTS AND INFORMATION equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
 claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
 Credit Reports You authorize us to make or have made any credit,  enforce our rights or remedies at any one time, we may enforce them 
 party may elect arbitration. costs and expenses, including reasonable attorneys� fees, incurred by 
 employment or other investigative inquiries we deem appropriate to  the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
 renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
 also may obtain follow-up credit reports on you for any lawful purpose  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the  Agreement. Reasonable attorney's fees will be awarded to you if you 
 as long as you have an outstanding balance. Arbitration Provision, if any provision of this Agreement is finally 
 filing fee. You may seek a waiver of the initial filing fee or any other fees  prevail in any action, suit or proceeding brought by us; or an action 
 ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT  determined to be void or unenforceable under applicable law, rule or 
 TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  incurred in arbitration. If you seek, but do not qualify for, a waiver, we  brought by you. If you successfully assert a partial defense or set-off, 
 regulation, all other provisions of this Agreement shall still be valid 
 Information Sharing You acknowledge and agree that we may  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
 ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY  and enforceable.
 share information about you with others in accordance with our  withhold from us the entire amount or such portion of the attorney 
 (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE  for all or part of such fees. Each party will pay for its respective 
 Privacy Notice (a copy of which we will provide to you and may be  OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
 Certain provisions of this Agreement are stated as being subject to 
 obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
 applicable law. Such provisions may be void, unenforceable or 
 time to time). another party if the arbitrator, applying applicable law, so determines.  NJ RESIDENTS: Because certain provisions of this agreement are 
 OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS  inapplicable in some jurisdictions.
 ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY  Allocation of fees and costs relating to appeals in arbitration will be  subject to applicable law, they may be void, unenforceable or 
 Notice of Inaccurate Information If you believe that we have  inapplicable in some jurisdictions. None of these provisions, 
 CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  ENTIRE AGREEMENT This Agreement, including any other written,  however, is void, unenforceable or inapplicable in New Jersey.
 information about you that is inaccurate or that we have reported or  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR  fees that apply to an arbitration proceeding with JAMS, please visit  oral or electronic document incorporated into and made a part of this 
 may report to a credit reporting agency information about you that is  http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
 OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE  Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
 inaccurate, please notify us of the specific information that you  http://www.adr.org/consumer_arbitration. The appropriate fee 
 AVAILABLE IN ARBITRATION. Except as set forth below, the  your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
 believe is inaccurate by writing to us at Account Services, P.O. Box  schedule in effect from time to time is hereby incorporated by 
 arbitrator�s decision will be final and binding. Only a court may  agreement between you and us relating to your Account. If there is  regarding the status of your account.
 105555, Atlanta, GA 30348-5555. reference into this Arbitration Provision. The cost of arbitration may be 
 decide the validity of items (iii) and (iv) above. If a court holds that  any conflict between any one of these documents and this 
 higher or lower than the cost of bringing your Claim in court, depending 
 items (iii) or (iv) are limited, invalid or unenforceable, then this entire  Agreement, the terms of this Agreement control. This Agreement  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
 ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
 Arbitration Provision will be null and void. You or we can appeal any 
 CLAIMS) Except as otherwise stated below, if you or we so choose,  Having more than one Claim and holding face to face hearings can  of this Agreement.
 such holding. If a court holds that any other part(s) of this Arbitration  BUYER/CARDHOLDER Your name and address, our name and 
 any Claim (as defined below) will be resolved by binding arbitration  increase the cost of arbitration. Again, neither you nor we will be 
 Provision (other than items (iii) and (iv)) are invalid, then the  address and the date on any Application or any other document or 
 pursuant to (a) this Arbitration Provision and (b) the Code of  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
 remaining parts of this Arbitration Provision will remain in force. An  record you sign in connection with your Account are incorporated 
 Procedure of the national arbitration organization to which the Claim  individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
 arbitrator will decide all other issues pertaining to arbitrability, validity,  here and made a part of this Agreement and represent your name 
 is referred (as in effect when the Claim is filed). Claims will be  Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
 interpretation and enforceability of this Arbitration Provision. The  and address, our name and address, and the date on this 
 referred to either Judicial Arbitration and Mediation Services  with respect to persons who use your Account. governed by and construed in accordance with applicable 
 decision of an arbitrator is as enforceable as any court order and may  Agreement. The electronic record of your transmission of an Unique 
 (�JAMS�) or the American Arbitration Association (�AAA�), as  federal law and, to the extent not preempted by federal law, the 
 be subject to very limited review by a court. An arbitrator may decide  Approval Code and the consummation of a sales transaction under 
 selected by the party electing to use arbitration. Streamlined  Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
   this Agreement represents your signature on this Agreement.
 arbitration procedures will be used if available. If a selection by us of  a Claim upon the submission of documents alone, or a party may  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
 one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
   CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
 within 30 days after you receive notice of our election, to select the  exchange of non-privileged information relevant to the Claim,  seq., as amended, notwithstanding any other governing law provision  enforceability and interpretation of this Agreement and the 
   Rolla, MO
 other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
 purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
 loan is made, executed and delivered in Missouri and that we  REV. DATE: July 2016
 dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. honor claims of privilege recognized at law. Judgment upon any 
 make all credit decisions, open all accounts and issue all 
 present or future, (collectively, "Claims") as further described below.  arbitration award may be entered and enforced, including without 
 proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
 (If for any reason a selected organization cannot, will not or ceases to  Broad Meaning of �Claims.� The term "Claims" in this Arbitration  limitation by garnishment, attachment, foreclosure or other post 
 Provision is to be given the broadest possible meaning and includes  payments in our offices in Missouri.
 serve as an arbitration administrator, you or we may substitute  judgment remedies, in any court having jurisdiction. The arbitrator�s  Your Billing Rights: Keep This Document For Future Use
 another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
 YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
 code of procedure and is mutually acceptable to the parties.) relating to (i) the application for or issuance of your Account, (ii) use,  provided by the FAA, in which case any party can appeal the award 
 (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
 terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
 Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
 Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
 engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
 no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
 this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
 within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
 change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
 Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
 must give us the following information: Name, Address and Account  Agreement. invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
   You must contact us:   Account Services Dispute Resolution
   �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
  wrong.   as discussed above. After we finish our investigation, we will tell  
   You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
   us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
   errors and you may have to pay the amount in question.
 What Will Happen After We Receive Your Letter
 When we receive your letter, we must do two things:
   1. Within 30 days of receiving your letter, we must tell you that we  
   received your letter. We will also tell you if we have already  
   corrected the error.
   2. Within 90 days of receiving your letter, we must either correct  
   the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error:
   �  We cannot try to collect the amount in question, or report you  
   as delinquent on that amount.
   �  The charge in question may remain on your statement, and we  
   may continue to charge you interest on that amount.
   �  While you do not have to pay the amount in question, you are  
   responsible for the remainder of your balance.
   �  We can apply any unpaid amount against your credit limit.
 After we finish our investigation, one of two things will happen:
   �  If we made a mistake: You will not have to pay the amount in  
   question or any interest or other fees related to that amount.
   �  If we do not believe there was a mistake: You will have to pay  
   the amount in question, along with applicable interest and fees.  
   We will send you a statement of the amount you owe and the date  
   payment is due. We may then report you as delinquent if you do  
   not pay the amount we think you owe.
   If you receive our explanation but still believe your bill is wrong,  
   you must write to us within 10 days telling us that you still refuse  
   to pay. If you do so, we cannot report you as delinquent without  
   also reporting that you are questioning your bill. We must tell you  
   the name of anyone to whom we reported you as delinquent, and  
   we must let those organizations know when the matter has been  
   settled between us.
   If we do not follow all of the rules above, you do not have to pay  
   the first $50 of the amount you question even if your bill is correct.
 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   If you are dissatisfied with the goods or services that you have  
   purchased with your credit card, and you have tried in good faith  
   to correct the problem with the merchant, you may have the right  
   not to pay the remaining amount due on the purchase.
   To use this right, all of the following must be true:
   1. The purchase must have been made in your home state or  
   within 100 miles of your current mailing address, and the   
   purchase price must have been more than $50. (Note: Neither of  
   these are necessary if your purchase was 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:                                                                                   How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
                                                                                   �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
                                                                                   additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
                                                                                                                           You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
                                                                                   Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
                                                                                   how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
                                                                                   conditions below.
                                                                                                                                                                   bankruptcy or insolvency proceedings; (v) become subject to 
                                                                                                                           YOUR CREDIT LIMIT You agree not to use your Account in any way 
                                                                                   U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The                             attachment or garnishment proceedings; (vi) give us any misleading, 
                                                                                                                           that would cause you to go over your Credit Limit. We may refuse to 
                                                                                   provisions titled �Honor Your Account,� �Postdated Checks,                      false, incomplete or incorrect information or false or fraudulent 
                                                                                                                           authorize or accept any transaction on your Account that would 
                                                                                   Restrictive Endorsements Checks and Other Disputed or                           signature; (vii) die; or (viii) fail to comply with any term of this 
                                                                                                                           cause you to exceed your Credit Limit. We may establish different 
                                                                                   Qualified Payments,� �Changes in Terms� and �Arbitration                        Agreement or any other agreement that you have with us. Subject to 
                                                                                                                           Credit Limits for different features of your Account in addition to a 
                                                                                   Provision.�                                                                     any notice of default and right to cure or other limitation of applicable 
                                                                                                                           general (total) Credit Limit. If you exceed your Credit Limit, you must 
                                                                                                                                                                   law, if you are in default, we may, in addition to any other rights that 
                                                                                   GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
                                                                                                                                                                   we may have under this Agreement: (a) reduce your Credit Limit or 
                                                                                   use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
                                                                                                                                                                   cancel your Account; (b) require you to pay your entire Account 
                                                                                   Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
                                                                                                                                                                   balance (including accrued but unpaid interest and any other fees 
                                                                                   �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
                                                                                                                                                                   and charges provided for in this Agreement) immediately; and/or (c) 
                                                                                   member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
                                                                                                                                                                   bring an action to collect all amounts owed.
                                                                                   and representatives. �You,� �your� and �Cardholder� refer to the 
                                                                                   person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
                                                                                   appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
                                                                                   refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
                                                                                   otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
                                                                                   a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
                                                                                   Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
                                                                                   Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
                                                                                   other written documents (including any electronic record) evidencing 
                                                                                                                           record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
                                                                                   any transactions made under your Account and any notices that we 
                                                                                                                           established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
                                                                                   send to you with your Agreement are part of and incorporated into 
                                                                                                                           in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
                                                                                   this Agreement. Please read and keep these documents for your 
                                                                                                                           account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
                                                                                   records. This Agreement begins on the earlier of (a) the date we 
                                                                                   finally approve your Application for credit or (b) the first date that we       payment due date following the effective date of the increase.
                                                                                   extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
                                                                                   This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
                                                                                   �Arbitration Provision� below).         on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
                                                                                                                           Credit Limit increase requests.         amount of credit available to you at any time, with or without cause, 
                                                                                   ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,                      subject to applicable limitations of law. We may terminate further 
                                                                                   your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
                                                                                   evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
                                                                                                                                                                   that time. You may close your Account by writing to us at Account 
                                                                                   USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
                                                                                   lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
                                                                                   orders) from participating establishments (each a �Purchase�) up to             this Agreement will continue to apply to any balance that you owe us 
                                                                                                                           certain qualifying transactions. The period of time that special terms 
                                                                                   any credit limit we may establish for you (your �Credit Limit�). You            until you have paid everything you owe, including any interest and 
                                                                                                                           may be available may be limited. Information specific to any special 
                                                                                   may use your Account only for personal, family, or household                    fees due. Account cancellation may adversely affect your credit 
                                                                                                                           terms will be provided at the time of offer. If you use your Account to 
                                                                                   purposes. You may not use your Card or your Account for any illegal             history.
                                                                                                                           enter into a qualifying transaction, you will be deemed to have 
                                                                                   transaction or any gambling transaction. We may decline 
                                                                                                                           acknowledged and agreed to the terms disclosed at the time of the 
                                                                                   transactions for any reason, including: operational matters, default,           STATEMENTS We will send you a Statement for each monthly billing 
                                                                                                                           offer, which terms may modify or differ from the regular terms of this 
                                                                                   or suspected fraudulent or unlawful activity. Transactions above a              cycle in which (i) the balance of your Account (including unpaid 
                                                                                                                           Agreement. No formal amendment of this Agreement will be 
                                                                                   certain dollar amount may require authorization by us before the                Purchases and Cash Advances, interest and other fees and charges) 
                                                                                   transaction can be approved. We will not be liable for the failure to  necessary and all terms of this Agreement will remain applicable 
                                                                                                                           except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
                                                                                   authorize credit because of operational difficulties or mistakes. We 
                                                                                                                                                                   $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
                                                                                   may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement 
                                                                                                                                                                   other activity on your Account or (iv) as otherwise required by 
                                                                                   day for security reasons, without any liability to you. We are not  as modified by the special terms of an offer or are otherwise in default 
                                                                                   responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
                                                                                                                           immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
                                                                                   HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
                                                                                   refusal of a participating establishment to honor your Account. law.            (the �Payment Due Date�).
   PAYMENT REQUIREMENTS AND CREDITING      Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
                                           any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
   Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
   shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
   Statement. You may at any time pay off your entire balance in full              any check or other payment instrument that indicates that the                   or other information provided in your Application or otherwise 
   or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
   additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
   Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
   each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
   your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
   opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
   greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
                                                                                   without losing any of our rights under the credit agreement governing           this Agreement and subject to the requirements of applicable 
   New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
                                                                                   your Account. (A postdated check is a check dated later than the day            law: (i) terminate this Agreement; (ii) terminate your right to 
   than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
                                                                                   it was actually presented for payment.) We are under no obligation to           make future Purchases; (iii) change your Credit Limit; or (iv) add 
   may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
                                                                                   hold a postdated check and we reserve the right to process every                new terms or delete or change any terms and conditions of this 
                                           to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
   Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
                                                                                   processor unless you give us adequate notice and a reasonable                   non-variable to a variable periodic rate, increasing any rate of 
   in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
                                                                                   opportunity to act on it. Except where such notice and opportunity is           interest, increasing or adding fees or charges, changing the 
   following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
                                                                                   given, you may not hold us liable for depositing any postdated check.           method of computing the balance upon which interest is 
   (EFTs) by debit entries drawn on the bank account, debit or credit  damages.                                            Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
   card you have identified to us in your application for this Account or                                                  avoidable or refundable and you will be responsible for paying any 
                                                                                   INTEREST                                                                        accrue). Changes that are favorable to you may be made at any 
   any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
   Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to                                factors including, but not limited to, anti-fraud policies and 
                                                                                   Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
   have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified                                  procedures, your record of making timely payments and staying 
                                                                                   assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
   Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front                                    within your established Credit Limit on your Account with us, 
                                                                                   monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
   payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of                              your credit score and information contained in your credit 
                                                                                   percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
   Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make                               report and your proper maintenance of any checking account 
                                                                                   (corresponding APR of 29.99%).          website that we designate or otherwise), then, to the extent not 
   electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment                   used to make your automatic payments, if applicable.
                                                                                                                           prohibited by law, we may send notices concerning the availability of 
   and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
                                                                                   Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
   your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment                             When required by applicable law, we will provide you with written 
                                                                                   Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
   the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment                                  notice of a new or deleted term or change in terms and offer you the 
                                                                                   �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
   monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic                                    right to reject terms in the manner specified at the time of notice. No 
                                                                                   we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
   receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional                               new term or change in the terms of this Agreement will affect your 
                                                                                   transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
   month on or after the Payment Due Date shown on your monthly  payment received.                                                                                 obligation to pay all amounts owing under this Agreement.
                                                                                   other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
   statement. (3) You agree that in the event any debit is rejected or 
                                                                                   us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
   dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law.                          ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
                                                                                   those daily balances for the billing cycle and divide the total by the 
   have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be                        any portion of your Account and all or any portion of our rights under 
                                           mailed or delivered to us at the address for payments shown on your  number of days in the billing cycle. This gives us the �average daily 
   that you wish us to debit and the Bank Account on which the                                                             MONITORING AND RECORDING To ensure that you receive quality  this Agreement to any other person without prior notice to you. You 
   Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  balance� for that type of balance.
                                                                                                                           service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
   open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
   information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
                                                                                                                           It is our goal to provide prompt, consistent assistance and deliver 
   comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
                                                                                                                           accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
   Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
   until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
   Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
                                                                                                                           ELECTRONIC AND OTHER MEANS  We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
   may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
   telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
   any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
   advance to allow us and your financial institution a reasonable                 to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
   opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
   keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
   Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
   in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
   Payment Plan. Also, if there are insufficient funds in your Bank  balances.     promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
   Account to process any payment, your enrollment in the Automatic                by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
   Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
   responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
   institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
   get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
   that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
   notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
   handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
   close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
                                           individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
   CREDIT REPORTS AND INFORMATION          equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
                                           claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
   Credit Reports You authorize us to make or have made any credit,                                                        enforce our rights or remedies at any one time, we may enforce them 
                                           party may elect arbitration.            costs and expenses, including reasonable attorneys� fees, incurred by 
   employment or other investigative inquiries we deem appropriate to              the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
   renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
   also may obtain follow-up credit reports on you for any lawful purpose  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the  Agreement. Reasonable attorney's fees will be awarded to you if you 
   as long as you have an outstanding balance.                                                                             Arbitration Provision, if any provision of this Agreement is finally 
                                                                                   filing fee. You may seek a waiver of the initial filing fee or any other fees   prevail in any action, suit or proceeding brought by us; or an action 
                                           ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT                             determined to be void or unenforceable under applicable law, rule or 
                                           TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  incurred in arbitration. If you seek, but do not qualify for, a waiver, we  brought by you. If you successfully assert a partial defense or set-off, 
                                                                                                                           regulation, all other provisions of this Agreement shall still be valid 
   Information Sharing You acknowledge and agree that we may                       will consider any written request by you for us to pay or reimburse you         recoupment or counterclaim to an action brought by us the court may 
                                           ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY                             and enforceable.
   share information about you with others in accordance with our                                                                                                  withhold from us the entire amount or such portion of the attorney 
                                           (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE  for all or part of such fees. Each party will pay for its respective 
   Privacy Notice (a copy of which we will provide to you and may be  OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
                                                                                                                           Certain provisions of this Agreement are stated as being subject to 
   obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
                                                                                                                           applicable law. Such provisions may be void, unenforceable or 
   time to time).                                                                  another party if the arbitrator, applying applicable law, so determines.        NJ RESIDENTS: Because certain provisions of this agreement are 
                                           OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS                                  inapplicable in some jurisdictions.
                                           ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY  Allocation of fees and costs relating to appeals in arbitration will be  subject to applicable law, they may be void, unenforceable or 
   Notice of Inaccurate Information If you believe that we have                                                                                                    inapplicable in some jurisdictions. None of these provisions, 
                                           CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  ENTIRE AGREEMENT This Agreement, including any other written, 
   information about you that is inaccurate or that we have reported or            fees that apply to an arbitration proceeding with JAMS, please visit            however, is void, unenforceable or inapplicable in New Jersey.
                                           CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR                                   oral or electronic document incorporated into and made a part of this 
   may report to a credit reporting agency information about you that is           http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
                                           OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE                                 Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
   inaccurate, please notify us of the specific information that you               http://www.adr.org/consumer_arbitration. The appropriate fee 
                                           AVAILABLE IN ARBITRATION. Except as set forth below, the                        your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
   believe is inaccurate by writing to us at Account Services, P.O. Box            schedule in effect from time to time is hereby incorporated by 
                                           arbitrator�s decision will be final and binding. Only a court may               agreement between you and us relating to your Account. If there is  regarding the status of your account.
   105555, Atlanta, GA 30348-5555.                                                 reference into this Arbitration Provision. The cost of arbitration may be 
                                           decide the validity of items (iii) and (iv) above. If a court holds that        any conflict between any one of these documents and this 
                                                                                   higher or lower than the cost of bringing your Claim in court, depending 
                                           items (iii) or (iv) are limited, invalid or unenforceable, then this entire     Agreement, the terms of this Agreement control. This Agreement 
                                                                                                                                                                   NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
   ARBITRATION PROVISION (AGREEMENT TO ARBITRATE                                   upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
                                           Arbitration Provision will be null and void. You or we can appeal any 
   CLAIMS) Except as otherwise stated below, if you or we so choose,               Having more than one Claim and holding face to face hearings can  of this Agreement.
                                           such holding. If a court holds that any other part(s) of this Arbitration                                               BUYER/CARDHOLDER Your name and address, our name and 
   any Claim (as defined below) will be resolved by binding arbitration            increase the cost of arbitration. Again, neither you nor we will be 
                                           Provision (other than items (iii) and (iv)) are invalid, then the                                                       address and the date on any Application or any other document or 
   pursuant to (a) this Arbitration Provision and (b) the Code of                  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
                                           remaining parts of this Arbitration Provision will remain in force. An                                                  record you sign in connection with your Account are incorporated 
   Procedure of the national arbitration organization to which the Claim           individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
                                           arbitrator will decide all other issues pertaining to arbitrability, validity,                                          here and made a part of this Agreement and represent your name 
   is referred (as in effect when the Claim is filed). Claims will be              Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
                                           interpretation and enforceability of this Arbitration Provision. The                                                    and address, our name and address, and the date on this 
   referred to either Judicial Arbitration and Mediation Services                  with respect to persons who use your Account. governed by and construed in accordance with applicable 
                                           decision of an arbitrator is as enforceable as any court order and may                                                  Agreement. The electronic record of your transmission of an Unique 
   (�JAMS�) or the American Arbitration Association (�AAA�), as                                                            federal law and, to the extent not preempted by federal law, the 
                                           be subject to very limited review by a court. An arbitrator may decide                                                  Approval Code and the consummation of a sales transaction under 
   selected by the party electing to use arbitration. Streamlined                  Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
                                                                                                                                                                   this Agreement represents your signature on this Agreement.
   arbitration procedures will be used if available. If a selection by us of  a Claim upon the submission of documents alone, or a party may  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
   one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
                                                                                                                                                                   CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
   within 30 days after you receive notice of our election, to select the  exchange of non-privileged information relevant to the Claim,  seq., as amended, notwithstanding any other governing law provision  enforceability and interpretation of this Agreement and the 
   other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may                        Rolla, MO
                                                                                   in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
   purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
                                                                                                                           loan is made, executed and delivered in Missouri and that we  REV. DATE: July 2016
   dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. honor claims of privilege recognized at law. Judgment upon any 
                                                                                                                           make all credit decisions, open all accounts and issue all 
   present or future, (collectively, "Claims") as further described below.         arbitration award may be entered and enforced, including without 
                                                                                                                           proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
   (If for any reason a selected organization cannot, will not or ceases to  Broad Meaning of �Claims.� The term "Claims" in this Arbitration  limitation by garnishment, attachment, foreclosure or other post 
                                           Provision is to be given the broadest possible meaning and includes             payments in our offices in Missouri.
   serve as an arbitration administrator, you or we may substitute                 judgment remedies, in any court having jurisdiction. The arbitrator�s           Your Billing Rights: Keep This Document For Future Use
   another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
                                                                                                                           YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
   code of procedure and is mutually acceptable to the parties.) relating to (i) the application for or issuance of your Account, (ii) use,  provided by the FAA, in which case any party can appeal the award 
                                                                                                                           (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
                                           terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
   Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
   Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
   engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
   no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
   this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
   within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
   change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
   Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
   30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
   must give us the following information: Name, Address and Account  Agreement.   invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
     You must contact us:                    Account Services Dispute Resolution
     �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
     �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
     scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
    wrong.                                   as discussed above. After we finish our investigation, we will tell  
     You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
     us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
     errors and you may have to pay the amount in question.
   What Will Happen After We Receive Your Letter
   When we receive your letter, we must do two things:
     1. Within 30 days of receiving your letter, we must tell you that we  
     received your letter. We will also tell you if we have already  
     corrected the error.
     2. Within 90 days of receiving your letter, we must either correct  
     the error or explain to you why we believe the bill is correct.
   While we investigate whether or not there has been an error:
     �  We cannot try to collect the amount in question, or report you  
     as delinquent on that amount.
     �  The charge in question may remain on your statement, and we  
     may continue to charge you interest on that amount.
     �  While you do not have to pay the amount in question, you are  
     responsible for the remainder of your balance.
     �  We can apply any unpaid amount against your credit limit.
   After we finish our investigation, one of two things will happen:
     �  If we made a mistake: You will not have to pay the amount in  
     question or any interest or other fees related to that amount.
     �  If we do not believe there was a mistake: You will have to pay  
     the amount in question, along with applicable interest and fees.  
     We will send you a statement of the amount you owe and the date  
     payment is due. We may then report you as delinquent if you do  
     not pay the amount we think you owe.
     If you receive our explanation but still believe your bill is wrong,  
     you must write to us within 10 days telling us that you still refuse  
     to pay. If you do so, we cannot report you as delinquent without  
     also reporting that you are questioning your bill. We must tell you  
     the name of anyone to whom we reported you as delinquent, and  
     we must let those organizations know when the matter has been  
     settled between us.
     If we do not follow all of the rules above, you do not have to pay  
     the first $50 of the amount you question even if your bill is correct.
   Your Rights If You Are Dissatisfied With Your Credit Card Purchases
     If you are dissatisfied with the goods or services that you have  
     purchased with your credit card, and you have tried in good faith  
     to correct the problem with the merchant, you may have the right  
     not to pay the remaining amount due on the purchase.
     To use this right, all of the following must be true:
     1. The purchase must have been made in your home state or  
     within 100 miles of your current mailing address, and the   
     purchase price must have been more than $50. (Note: Neither of  
     these are necessary if your purchase was 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:                                           How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
                                           �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
                                           additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
                                                                                   You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
                                           Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
                                           how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
                                           conditions below.
                                                                                                                           bankruptcy or insolvency proceedings; (v) become subject to 
                                                                                   YOUR CREDIT LIMIT You agree not to use your Account in any way 
                                           U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The                             attachment or garnishment proceedings; (vi) give us any misleading, 
                                                                                   that would cause you to go over your Credit Limit. We may refuse to 
                                           provisions titled �Honor Your Account,� �Postdated Checks,                      false, incomplete or incorrect information or false or fraudulent 
                                                                                   authorize or accept any transaction on your Account that would 
                                           Restrictive Endorsements Checks and Other Disputed or                           signature; (vii) die; or (viii) fail to comply with any term of this 
                                                                                   cause you to exceed your Credit Limit. We may establish different 
                                           Qualified Payments,� �Changes in Terms� and �Arbitration                        Agreement or any other agreement that you have with us. Subject to 
                                                                                   Credit Limits for different features of your Account in addition to a 
                                           Provision.�                                                                     any notice of default and right to cure or other limitation of applicable 
                                                                                   general (total) Credit Limit. If you exceed your Credit Limit, you must 
                                                                                                                           law, if you are in default, we may, in addition to any other rights that 
                                           GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
                                                                                                                           we may have under this Agreement: (a) reduce your Credit Limit or 
                                           use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
                                                                                                                           cancel your Account; (b) require you to pay your entire Account 
                                           Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
                                                                                                                           balance (including accrued but unpaid interest and any other fees 
                                           �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
                                                                                                                           and charges provided for in this Agreement) immediately; and/or (c) 
                                           member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
                                                                                                                           bring an action to collect all amounts owed.
                                           and representatives. �You,� �your� and �Cardholder� refer to the 
                                           person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
                                           appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
                                           refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
                                           otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
                                           a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
                                           Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
                                           Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
                                           other written documents (including any electronic record) evidencing 
                                                                                   record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
                                           any transactions made under your Account and any notices that we 
                                                                                   established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
                                           send to you with your Agreement are part of and incorporated into 
                                                                                   in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
                                           this Agreement. Please read and keep these documents for your 
                                                                                   account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
                                           records. This Agreement begins on the earlier of (a) the date we 
                                           finally approve your Application for credit or (b) the first date that we       payment due date following the effective date of the increase.
                                           extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
                                           This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
                                           �Arbitration Provision� below).         on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
                                                                                   Credit Limit increase requests.         amount of credit available to you at any time, with or without cause, 
                                           ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,                      subject to applicable limitations of law. We may terminate further 
                                           your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
                                           evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
                                                                                                                           that time. You may close your Account by writing to us at Account 
                                           USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
                                           lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
                                           orders) from participating establishments (each a �Purchase�) up to             this Agreement will continue to apply to any balance that you owe us 
                                                                                   certain qualifying transactions. The period of time that special terms 
                                           any credit limit we may establish for you (your �Credit Limit�). You            until you have paid everything you owe, including any interest and 
                                                                                   may be available may be limited. Information specific to any special 
                                           may use your Account only for personal, family, or household                    fees due. Account cancellation may adversely affect your credit 
                                                                                   terms will be provided at the time of offer. If you use your Account to 
                                           purposes. You may not use your Card or your Account for any illegal             history.
                                                                                   enter into a qualifying transaction, you will be deemed to have 
                                           transaction or any gambling transaction. We may decline 
                                                                                   acknowledged and agreed to the terms disclosed at the time of the 
                                           transactions for any reason, including: operational matters, default,           STATEMENTS We will send you a Statement for each monthly billing 
                                                                                   offer, which terms may modify or differ from the regular terms of this 
                                           or suspected fraudulent or unlawful activity. Transactions above a              cycle in which (i) the balance of your Account (including unpaid 
                                                                                   Agreement. No formal amendment of this Agreement will be 
                                           certain dollar amount may require authorization by us before the                Purchases and Cash Advances, interest and other fees and charges) 
                                           transaction can be approved. We will not be liable for the failure to  necessary and all terms of this Agreement will remain applicable 
                                                                                   except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
                                           authorize credit because of operational difficulties or mistakes. We 
                                                                                                                           $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
                                           may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement 
                                                                                                                           other activity on your Account or (iv) as otherwise required by 
                                           day for security reasons, without any liability to you. We are not  as modified by the special terms of an offer or are otherwise in default 
                                           responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
                                                                                   immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
                                           HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
                                           refusal of a participating establishment to honor your Account. law.            (the �Payment Due Date�).
 PAYMENT REQUIREMENTS AND CREDITING Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
   any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
 Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
 shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
 Statement. You may at any time pay off your entire balance in full  any check or other payment instrument that indicates that the  or other information provided in your Application or otherwise 
 or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
 additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
 Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
 each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
 your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
 opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
 greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
                                           without losing any of our rights under the credit agreement governing           this Agreement and subject to the requirements of applicable 
 New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
                                           your Account. (A postdated check is a check dated later than the day            law: (i) terminate this Agreement; (ii) terminate your right to 
 than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
                                           it was actually presented for payment.) We are under no obligation to           make future Purchases; (iii) change your Credit Limit; or (iv) add 
 may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
                                           hold a postdated check and we reserve the right to process every                new terms or delete or change any terms and conditions of this 
   to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
 Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
                                           processor unless you give us adequate notice and a reasonable                   non-variable to a variable periodic rate, increasing any rate of 
 in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
                                           opportunity to act on it. Except where such notice and opportunity is           interest, increasing or adding fees or charges, changing the 
 following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
                                           given, you may not hold us liable for depositing any postdated check.           method of computing the balance upon which interest is 
 (EFTs) by debit entries drawn on the bank account, debit or credit  damages.      Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
 card you have identified to us in your application for this Account or            avoidable or refundable and you will be responsible for paying any 
                                           INTEREST                                                                        accrue). Changes that are favorable to you may be made at any 
 any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
 Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to  factors including, but not limited to, anti-fraud policies and 
                                           Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
 have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified  procedures, your record of making timely payments and staying 
                                           assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
 Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front  within your established Credit Limit on your Account with us, 
                                           monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
 payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of  your credit score and information contained in your credit 
                                           percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
 Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make  report and your proper maintenance of any checking account 
                                           (corresponding APR of 29.99%).          website that we designate or otherwise), then, to the extent not 
 electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment  used to make your automatic payments, if applicable.
                                                                                   prohibited by law, we may send notices concerning the availability of 
 and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
                                           Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
 your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment  When required by applicable law, we will provide you with written 
                                           Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
 the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment  notice of a new or deleted term or change in terms and offer you the 
                                           �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
 monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic  right to reject terms in the manner specified at the time of notice. No 
                                           we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
 receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional  new term or change in the terms of this Agreement will affect your 
                                           transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
 month on or after the Payment Due Date shown on your monthly  payment received.                                           obligation to pay all amounts owing under this Agreement.
                                           other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
 statement. (3) You agree that in the event any debit is rejected or 
                                           us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
 dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law. ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
                                           those daily balances for the billing cycle and divide the total by the 
 have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be  any portion of your Account and all or any portion of our rights under 
   mailed or delivered to us at the address for payments shown on your  number of days in the billing cycle. This gives us the �average daily 
 that you wish us to debit and the Bank Account on which the                       MONITORING AND RECORDING To ensure that you receive quality  this Agreement to any other person without prior notice to you. You 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  balance� for that type of balance.
                                                                                   service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
 open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
 information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
                                                                                   It is our goal to provide prompt, consistent assistance and deliver 
 comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
                                                                                   accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
 Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
 until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
 Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
                                                                                   ELECTRONIC AND OTHER MEANS  We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
 may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
 telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
 any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
 advance to allow us and your financial institution a reasonable  to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
 opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
 keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
 Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
 in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
 Payment Plan. Also, if there are insufficient funds in your Bank  balances. promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
 Account to process any payment, your enrollment in the Automatic  by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
 Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
 responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
 institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
 get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
 that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
 notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
 handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
 close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
   individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
 CREDIT REPORTS AND INFORMATION equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
   claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
 Credit Reports You authorize us to make or have made any credit,                  enforce our rights or remedies at any one time, we may enforce them 
   party may elect arbitration.            costs and expenses, including reasonable attorneys� fees, incurred by 
 employment or other investigative inquiries we deem appropriate to  the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
 renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
 also may obtain follow-up credit reports on you for any lawful purpose  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the  Agreement. Reasonable attorney's fees will be awarded to you if you 
 as long as you have an outstanding balance.                                       Arbitration Provision, if any provision of this Agreement is finally 
                                           filing fee. You may seek a waiver of the initial filing fee or any other fees   prevail in any action, suit or proceeding brought by us; or an action 
   ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT                             determined to be void or unenforceable under applicable law, rule or 
   TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  incurred in arbitration. If you seek, but do not qualify for, a waiver, we  brought by you. If you successfully assert a partial defense or set-off, 
                                                                                   regulation, all other provisions of this Agreement shall still be valid 
 Information Sharing You acknowledge and agree that we may  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
   ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY                             and enforceable.
 share information about you with others in accordance with our                                                            withhold from us the entire amount or such portion of the attorney 
   (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE  for all or part of such fees. Each party will pay for its respective 
 Privacy Notice (a copy of which we will provide to you and may be  OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
                                                                                   Certain provisions of this Agreement are stated as being subject to 
 obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
                                                                                   applicable law. Such provisions may be void, unenforceable or 
 time to time).                            another party if the arbitrator, applying applicable law, so determines.        NJ RESIDENTS: Because certain provisions of this agreement are 
   OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS                                  inapplicable in some jurisdictions.
   ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY  Allocation of fees and costs relating to appeals in arbitration will be  subject to applicable law, they may be void, unenforceable or 
 Notice of Inaccurate Information If you believe that we have                                                              inapplicable in some jurisdictions. None of these provisions, 
   CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  ENTIRE AGREEMENT This Agreement, including any other written, 
 information about you that is inaccurate or that we have reported or  fees that apply to an arbitration proceeding with JAMS, please visit  however, is void, unenforceable or inapplicable in New Jersey.
   CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR                                   oral or electronic document incorporated into and made a part of this 
 may report to a credit reporting agency information about you that is  http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
   OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE                                 Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
 inaccurate, please notify us of the specific information that you  http://www.adr.org/consumer_arbitration. The appropriate fee 
   AVAILABLE IN ARBITRATION. Except as set forth below, the                        your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
 believe is inaccurate by writing to us at Account Services, P.O. Box  schedule in effect from time to time is hereby incorporated by 
   arbitrator�s decision will be final and binding. Only a court may               agreement between you and us relating to your Account. If there is  regarding the status of your account.
 105555, Atlanta, GA 30348-5555.           reference into this Arbitration Provision. The cost of arbitration may be 
   decide the validity of items (iii) and (iv) above. If a court holds that        any conflict between any one of these documents and this 
                                           higher or lower than the cost of bringing your Claim in court, depending 
   items (iii) or (iv) are limited, invalid or unenforceable, then this entire     Agreement, the terms of this Agreement control. This Agreement 
                                                                                                                           NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
 ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
   Arbitration Provision will be null and void. You or we can appeal any 
 CLAIMS) Except as otherwise stated below, if you or we so choose,  Having more than one Claim and holding face to face hearings can  of this Agreement.
   such holding. If a court holds that any other part(s) of this Arbitration                                               BUYER/CARDHOLDER Your name and address, our name and 
 any Claim (as defined below) will be resolved by binding arbitration  increase the cost of arbitration. Again, neither you nor we will be 
   Provision (other than items (iii) and (iv)) are invalid, then the                                                       address and the date on any Application or any other document or 
 pursuant to (a) this Arbitration Provision and (b) the Code of  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
   remaining parts of this Arbitration Provision will remain in force. An                                                  record you sign in connection with your Account are incorporated 
 Procedure of the national arbitration organization to which the Claim  individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
   arbitrator will decide all other issues pertaining to arbitrability, validity,                                          here and made a part of this Agreement and represent your name 
 is referred (as in effect when the Claim is filed). Claims will be  Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
   interpretation and enforceability of this Arbitration Provision. The                                                    and address, our name and address, and the date on this 
 referred to either Judicial Arbitration and Mediation Services  with respect to persons who use your Account. governed by and construed in accordance with applicable 
   decision of an arbitrator is as enforceable as any court order and may                                                  Agreement. The electronic record of your transmission of an Unique 
 (�JAMS�) or the American Arbitration Association (�AAA�), as                      federal law and, to the extent not preempted by federal law, the 
   be subject to very limited review by a court. An arbitrator may decide                                                  Approval Code and the consummation of a sales transaction under 
 selected by the party electing to use arbitration. Streamlined  Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
                                                                                                                           this Agreement represents your signature on this Agreement.
 arbitration procedures will be used if available. If a selection by us of  a Claim upon the submission of documents alone, or a party may  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
 one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
                                                                                                                           CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
 within 30 days after you receive notice of our election, to select the  exchange of non-privileged information relevant to the Claim,  seq., as amended, notwithstanding any other governing law provision  enforceability and interpretation of this Agreement and the 
 other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  Rolla, MO
                                           in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
 purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
                                                                                   loan is made, executed and delivered in Missouri and that we  REV. DATE: July 2016
 dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. honor claims of privilege recognized at law. Judgment upon any 
                                                                                   make all credit decisions, open all accounts and issue all 
 present or future, (collectively, "Claims") as further described below.  arbitration award may be entered and enforced, including without 
                                                                                   proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
 (If for any reason a selected organization cannot, will not or ceases to  Broad Meaning of �Claims.� The term "Claims" in this Arbitration  limitation by garnishment, attachment, foreclosure or other post 
   Provision is to be given the broadest possible meaning and includes             payments in our offices in Missouri.
 serve as an arbitration administrator, you or we may substitute  judgment remedies, in any court having jurisdiction. The arbitrator�s  Your Billing Rights: Keep This Document For Future Use
 another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
                                                                                   YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
 code of procedure and is mutually acceptable to the parties.) relating to (i) the application for or issuance of your Account, (ii) use,  provided by the FAA, in which case any party can appeal the award 
                                                                                   (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
   terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
 Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
 Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
 engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
 no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
 this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
 within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
 change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
 Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
 must give us the following information: Name, Address and Account  Agreement. invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
   You must contact us:   Account Services Dispute Resolution
   �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
  wrong.   as discussed above. After we finish our investigation, we will tell  
   You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
   us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
   errors and you may have to pay the amount in question.
 What Will Happen After We Receive Your Letter
 When we receive your letter, we must do two things:
   1. Within 30 days of receiving your letter, we must tell you that we  
   received your letter. We will also tell you if we have already  
   corrected the error.
   2. Within 90 days of receiving your letter, we must either correct  
   the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error:
   �  We cannot try to collect the amount in question, or report you  
   as delinquent on that amount.
   �  The charge in question may remain on your statement, and we  
   may continue to charge you interest on that amount.
   �  While you do not have to pay the amount in question, you are  
   responsible for the remainder of your balance.
   �  We can apply any unpaid amount against your credit limit.
 After we finish our investigation, one of two things will happen:
   �  If we made a mistake: You will not have to pay the amount in  
   question or any interest or other fees related to that amount.
   �  If we do not believe there was a mistake: You will have to pay  
   the amount in question, along with applicable interest and fees.  
   We will send you a statement of the amount you owe and the date  
   payment is due. We may then report you as delinquent if you do  
   not pay the amount we think you owe.
   If you receive our explanation but still believe your bill is wrong,  
   you must write to us within 10 days telling us that you still refuse  
   to pay. If you do so, we cannot report you as delinquent without  
   also reporting that you are questioning your bill. We must tell you  
   the name of anyone to whom we reported you as delinquent, and  
   we must let those organizations know when the matter has been  
   settled between us.
   If we do not follow all of the rules above, you do not have to pay  
   the first $50 of the amount you question even if your bill is correct.
 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   If you are dissatisfied with the goods or services that you have  
   purchased with your credit card, and you have tried in good faith  
   to correct the problem with the merchant, you may have the right  
   not to pay the remaining amount due on the purchase.
   To use this right, all of the following must be true:
   1. The purchase must have been made in your home state or  
   within 100 miles of your current mailing address, and the   
   purchase price must have been more than $50. (Note: Neither of  
   these are necessary if your purchase was 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:   How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
   �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
   additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
                                           You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
   Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
   how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
   conditions below.
                                                                                   bankruptcy or insolvency proceedings; (v) become subject to 
                                           YOUR CREDIT LIMIT You agree not to use your Account in any way 
   U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The                             attachment or garnishment proceedings; (vi) give us any misleading, 
                                           that would cause you to go over your Credit Limit. We may refuse to 
   provisions titled �Honor Your Account,� �Postdated Checks,                      false, incomplete or incorrect information or false or fraudulent 
                                           authorize or accept any transaction on your Account that would 
   Restrictive Endorsements Checks and Other Disputed or                           signature; (vii) die; or (viii) fail to comply with any term of this 
                                           cause you to exceed your Credit Limit. We may establish different 
   Qualified Payments,� �Changes in Terms� and �Arbitration                        Agreement or any other agreement that you have with us. Subject to 
                                           Credit Limits for different features of your Account in addition to a 
   Provision.�                                                                     any notice of default and right to cure or other limitation of applicable 
                                           general (total) Credit Limit. If you exceed your Credit Limit, you must 
                                                                                   law, if you are in default, we may, in addition to any other rights that 
   GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
                                                                                   we may have under this Agreement: (a) reduce your Credit Limit or 
   use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
                                                                                   cancel your Account; (b) require you to pay your entire Account 
   Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
                                                                                   balance (including accrued but unpaid interest and any other fees 
   �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
                                                                                   and charges provided for in this Agreement) immediately; and/or (c) 
   member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
                                                                                   bring an action to collect all amounts owed.
   and representatives. �You,� �your� and �Cardholder� refer to the 
   person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
   appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
   refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
   otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
   a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
   Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
   Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
   other written documents (including any electronic record) evidencing 
                                           record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
   any transactions made under your Account and any notices that we 
                                           established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
   send to you with your Agreement are part of and incorporated into 
                                           in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
   this Agreement. Please read and keep these documents for your 
                                           account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
   records. This Agreement begins on the earlier of (a) the date we 
   finally approve your Application for credit or (b) the first date that we       payment due date following the effective date of the increase.
   extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
   This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
   �Arbitration Provision� below).         on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
                                           Credit Limit increase requests.         amount of credit available to you at any time, with or without cause, 
   ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,                      subject to applicable limitations of law. We may terminate further 
   your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
   evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
                                                                                   that time. You may close your Account by writing to us at Account 
   USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
   lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
   orders) from participating establishments (each a �Purchase�) up to             this Agreement will continue to apply to any balance that you owe us 
                                           certain qualifying transactions. The period of time that special terms 
   any credit limit we may establish for you (your �Credit Limit�). You            until you have paid everything you owe, including any interest and 
                                           may be available may be limited. Information specific to any special 
   may use your Account only for personal, family, or household                    fees due. Account cancellation may adversely affect your credit 
                                           terms will be provided at the time of offer. If you use your Account to 
   purposes. You may not use your Card or your Account for any illegal             history.
                                           enter into a qualifying transaction, you will be deemed to have 
   transaction or any gambling transaction. We may decline 
                                           acknowledged and agreed to the terms disclosed at the time of the 
   transactions for any reason, including: operational matters, default,           STATEMENTS We will send you a Statement for each monthly billing 
                                           offer, which terms may modify or differ from the regular terms of this 
   or suspected fraudulent or unlawful activity. Transactions above a              cycle in which (i) the balance of your Account (including unpaid 
                                           Agreement. No formal amendment of this Agreement will be 
   certain dollar amount may require authorization by us before the                Purchases and Cash Advances, interest and other fees and charges) 
   transaction can be approved. We will not be liable for the failure to  necessary and all terms of this Agreement will remain applicable 
                                           except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
   authorize credit because of operational difficulties or mistakes. We 
                                                                                   $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
   may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement 
                                                                                   other activity on your Account or (iv) as otherwise required by 
   day for security reasons, without any liability to you. We are not  as modified by the special terms of an offer or are otherwise in default 
   responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
                                           immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
   HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
   refusal of a participating establishment to honor your Account. law.            (the �Payment Due Date�).
 PAYMENT REQUIREMENTS AND CREDITING Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
 any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
 Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
 shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
 Statement. You may at any time pay off your entire balance in full  any check or other payment instrument that indicates that the  or other information provided in your Application or otherwise 
 or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
 additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
 Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
 each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
 your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
 opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
 greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
   without losing any of our rights under the credit agreement governing           this Agreement and subject to the requirements of applicable 
 New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
   your Account. (A postdated check is a check dated later than the day            law: (i) terminate this Agreement; (ii) terminate your right to 
 than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
   it was actually presented for payment.) We are under no obligation to           make future Purchases; (iii) change your Credit Limit; or (iv) add 
 may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
   hold a postdated check and we reserve the right to process every                new terms or delete or change any terms and conditions of this 
 to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
 Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
   processor unless you give us adequate notice and a reasonable                   non-variable to a variable periodic rate, increasing any rate of 
 in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
   opportunity to act on it. Except where such notice and opportunity is           interest, increasing or adding fees or charges, changing the 
 following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
   given, you may not hold us liable for depositing any postdated check.           method of computing the balance upon which interest is 
 (EFTs) by debit entries drawn on the bank account, debit or credit  damages. Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
 card you have identified to us in your application for this Account or  avoidable or refundable and you will be responsible for paying any 
   INTEREST                                                                        accrue). Changes that are favorable to you may be made at any 
 any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
 Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to  factors including, but not limited to, anti-fraud policies and 
   Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
 have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified  procedures, your record of making timely payments and staying 
   assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
 Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front  within your established Credit Limit on your Account with us, 
   monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
 payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of  your credit score and information contained in your credit 
   percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
 Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make  report and your proper maintenance of any checking account 
   (corresponding APR of 29.99%).          website that we designate or otherwise), then, to the extent not 
 electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment  used to make your automatic payments, if applicable.
                                           prohibited by law, we may send notices concerning the availability of 
 and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
   Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
 your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment  When required by applicable law, we will provide you with written 
   Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
 the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment  notice of a new or deleted term or change in terms and offer you the 
   �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
 monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic  right to reject terms in the manner specified at the time of notice. No 
   we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
 receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional  new term or change in the terms of this Agreement will affect your 
   transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
 month on or after the Payment Due Date shown on your monthly  payment received.   obligation to pay all amounts owing under this Agreement.
   other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
 statement. (3) You agree that in the event any debit is rejected or 
   us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
 dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law. ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
   those daily balances for the billing cycle and divide the total by the 
 have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be  any portion of your Account and all or any portion of our rights under 
 mailed or delivered to us at the address for payments shown on your  number of days in the billing cycle. This gives us the �average daily 
 that you wish us to debit and the Bank Account on which the  MONITORING AND RECORDING To ensure that you receive quality  this Agreement to any other person without prior notice to you. You 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  balance� for that type of balance.
                                           service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
 open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
 information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
                                           It is our goal to provide prompt, consistent assistance and deliver 
 comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
                                           accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
 Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
 until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
 Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
                                           ELECTRONIC AND OTHER MEANS  We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
 may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
 telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
 any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
 advance to allow us and your financial institution a reasonable  to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
 opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
 keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
 Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
 in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
 Payment Plan. Also, if there are insufficient funds in your Bank  balances. promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
 Account to process any payment, your enrollment in the Automatic  by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
 Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
 responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
 institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
 get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
 that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
 notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
 handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
 close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
 individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
 CREDIT REPORTS AND INFORMATION equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
 claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
 Credit Reports You authorize us to make or have made any credit,  enforce our rights or remedies at any one time, we may enforce them 
 party may elect arbitration. costs and expenses, including reasonable attorneys� fees, incurred by 
 employment or other investigative inquiries we deem appropriate to  the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
 renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
 also may obtain follow-up credit reports on you for any lawful purpose  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the  Agreement. Reasonable attorney's fees will be awarded to you if you 
 as long as you have an outstanding balance. Arbitration Provision, if any provision of this Agreement is finally 
   filing fee. You may seek a waiver of the initial filing fee or any other fees   prevail in any action, suit or proceeding brought by us; or an action 
 ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT  determined to be void or unenforceable under applicable law, rule or 
 TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  incurred in arbitration. If you seek, but do not qualify for, a waiver, we  brought by you. If you successfully assert a partial defense or set-off, 
                                           regulation, all other provisions of this Agreement shall still be valid 
 Information Sharing You acknowledge and agree that we may  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
 ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY  and enforceable.
 share information about you with others in accordance with our                    withhold from us the entire amount or such portion of the attorney 
 (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE  for all or part of such fees. Each party will pay for its respective 
 Privacy Notice (a copy of which we will provide to you and may be  OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
                                           Certain provisions of this Agreement are stated as being subject to 
 obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
                                           applicable law. Such provisions may be void, unenforceable or 
 time to time). another party if the arbitrator, applying applicable law, so determines.  NJ RESIDENTS: Because certain provisions of this agreement are 
 OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS  inapplicable in some jurisdictions.
 ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY  Allocation of fees and costs relating to appeals in arbitration will be  subject to applicable law, they may be void, unenforceable or 
 Notice of Inaccurate Information If you believe that we have                      inapplicable in some jurisdictions. None of these provisions, 
 CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  ENTIRE AGREEMENT This Agreement, including any other written, 
 information about you that is inaccurate or that we have reported or  fees that apply to an arbitration proceeding with JAMS, please visit  however, is void, unenforceable or inapplicable in New Jersey.
 CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR  oral or electronic document incorporated into and made a part of this 
 may report to a credit reporting agency information about you that is  http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
 OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE  Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
 inaccurate, please notify us of the specific information that you  http://www.adr.org/consumer_arbitration. The appropriate fee 
 AVAILABLE IN ARBITRATION. Except as set forth below, the  your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
 believe is inaccurate by writing to us at Account Services, P.O. Box  schedule in effect from time to time is hereby incorporated by 
 arbitrator�s decision will be final and binding. Only a court may  agreement between you and us relating to your Account. If there is  regarding the status of your account.
 105555, Atlanta, GA 30348-5555. reference into this Arbitration Provision. The cost of arbitration may be 
 decide the validity of items (iii) and (iv) above. If a court holds that  any conflict between any one of these documents and this 
   higher or lower than the cost of bringing your Claim in court, depending 
 items (iii) or (iv) are limited, invalid or unenforceable, then this entire  Agreement, the terms of this Agreement control. This Agreement 
                                                                                   NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
 ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
 Arbitration Provision will be null and void. You or we can appeal any 
 CLAIMS) Except as otherwise stated below, if you or we so choose,  Having more than one Claim and holding face to face hearings can  of this Agreement.
 such holding. If a court holds that any other part(s) of this Arbitration         BUYER/CARDHOLDER Your name and address, our name and 
 any Claim (as defined below) will be resolved by binding arbitration  increase the cost of arbitration. Again, neither you nor we will be 
 Provision (other than items (iii) and (iv)) are invalid, then the                 address and the date on any Application or any other document or 
 pursuant to (a) this Arbitration Provision and (b) the Code of  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
 remaining parts of this Arbitration Provision will remain in force. An            record you sign in connection with your Account are incorporated 
 Procedure of the national arbitration organization to which the Claim  individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
 arbitrator will decide all other issues pertaining to arbitrability, validity,    here and made a part of this Agreement and represent your name 
 is referred (as in effect when the Claim is filed). Claims will be  Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
 interpretation and enforceability of this Arbitration Provision. The              and address, our name and address, and the date on this 
 referred to either Judicial Arbitration and Mediation Services  with respect to persons who use your Account. governed by and construed in accordance with applicable 
 decision of an arbitrator is as enforceable as any court order and may            Agreement. The electronic record of your transmission of an Unique 
 (�JAMS�) or the American Arbitration Association (�AAA�), as  federal law and, to the extent not preempted by federal law, the 
 be subject to very limited review by a court. An arbitrator may decide            Approval Code and the consummation of a sales transaction under 
 selected by the party electing to use arbitration. Streamlined  Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
                                                                                   this Agreement represents your signature on this Agreement.
 arbitration procedures will be used if available. If a selection by us of  a Claim upon the submission of documents alone, or a party may  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
 one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
                                                                                   CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
 within 30 days after you receive notice of our election, to select the  exchange of non-privileged information relevant to the Claim,  seq., as amended, notwithstanding any other governing law provision  enforceability and interpretation of this Agreement and the 
 other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  Rolla, MO
   in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
 purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
                                           loan is made, executed and delivered in Missouri and that we  REV. DATE: July 2016
 dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. honor claims of privilege recognized at law. Judgment upon any 
                                           make all credit decisions, open all accounts and issue all 
 present or future, (collectively, "Claims") as further described below.  arbitration award may be entered and enforced, including without 
                                           proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
 (If for any reason a selected organization cannot, will not or ceases to  Broad Meaning of �Claims.� The term "Claims" in this Arbitration  limitation by garnishment, attachment, foreclosure or other post 
 Provision is to be given the broadest possible meaning and includes  payments in our offices in Missouri.
 serve as an arbitration administrator, you or we may substitute  judgment remedies, in any court having jurisdiction. The arbitrator�s  Your Billing Rights: Keep This Document For Future Use
 another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
                                           YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
 code of procedure and is mutually acceptable to the parties.) relating to (i) the application for or issuance of your Account, (ii) use,  provided by the FAA, in which case any party can appeal the award 
                                           (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
 terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
 Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
 Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
 engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
 no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
 this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
 within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
 change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
 Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
 must give us the following information: Name, Address and Account  Agreement. invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
   You must contact us:   Account Services Dispute Resolution
   �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
  wrong.   as discussed above. After we finish our investigation, we will tell  
   You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
   us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
   errors and you may have to pay the amount in question.
 What Will Happen After We Receive Your Letter
 When we receive your letter, we must do two things:
   1. Within 30 days of receiving your letter, we must tell you that we  
   received your letter. We will also tell you if we have already  
   corrected the error.
   2. Within 90 days of receiving your letter, we must either correct  
   the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error:
   �  We cannot try to collect the amount in question, or report you  
   as delinquent on that amount.
   �  The charge in question may remain on your statement, and we  
   may continue to charge you interest on that amount.
   �  While you do not have to pay the amount in question, you are  
   responsible for the remainder of your balance.
   �  We can apply any unpaid amount against your credit limit.
 After we finish our investigation, one of two things will happen:
   �  If we made a mistake: You will not have to pay the amount in  
   question or any interest or other fees related to that amount.
   �  If we do not believe there was a mistake: You will have to pay  
   the amount in question, along with applicable interest and fees.  
   We will send you a statement of the amount you owe and the date  
   payment is due. We may then report you as delinquent if you do  
   not pay the amount we think you owe.
   If you receive our explanation but still believe your bill is wrong,  
   you must write to us within 10 days telling us that you still refuse  
   to pay. If you do so, we cannot report you as delinquent without  
   also reporting that you are questioning your bill. We must tell you  
   the name of anyone to whom we reported you as delinquent, and  
   we must let those organizations know when the matter has been  
   settled between us.
   If we do not follow all of the rules above, you do not have to pay  
   the first $50 of the amount you question even if your bill is correct.
 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   If you are dissatisfied with the goods or services that you have  
   purchased with your credit card, and you have tried in good faith  
   to correct the problem with the merchant, you may have the right  
   not to pay the remaining amount due on the purchase.
   To use this right, all of the following must be true:
   1. The purchase must have been made in your home state or  
   within 100 miles of your current mailing address, and the   
   purchase price must have been more than $50. (Note: Neither of  
   these are necessary if your purchase was 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: How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
 �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
 additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
   You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
 Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
 how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
 conditions below.
                                           bankruptcy or insolvency proceedings; (v) become subject to 
   YOUR CREDIT LIMIT You agree not to use your Account in any way 
 U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The  attachment or garnishment proceedings; (vi) give us any misleading, 
   that would cause you to go over your Credit Limit. We may refuse to 
 provisions titled �Honor Your Account,� �Postdated Checks,  false, incomplete or incorrect information or false or fraudulent 
   authorize or accept any transaction on your Account that would 
 Restrictive Endorsements Checks and Other Disputed or  signature; (vii) die; or (viii) fail to comply with any term of this 
   cause you to exceed your Credit Limit. We may establish different 
 Qualified Payments,� �Changes in Terms� and �Arbitration  Agreement or any other agreement that you have with us. Subject to 
   Credit Limits for different features of your Account in addition to a 
 Provision.�                               any notice of default and right to cure or other limitation of applicable 
   general (total) Credit Limit. If you exceed your Credit Limit, you must 
                                           law, if you are in default, we may, in addition to any other rights that 
 GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
                                           we may have under this Agreement: (a) reduce your Credit Limit or 
 use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
                                           cancel your Account; (b) require you to pay your entire Account 
 Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
                                           balance (including accrued but unpaid interest and any other fees 
 �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
                                           and charges provided for in this Agreement) immediately; and/or (c) 
 member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
                                           bring an action to collect all amounts owed.
 and representatives. �You,� �your� and �Cardholder� refer to the 
 person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
 appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
 refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
 otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
 a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
 Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
 Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
 other written documents (including any electronic record) evidencing 
   record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
 any transactions made under your Account and any notices that we 
   established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
 send to you with your Agreement are part of and incorporated into 
   in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
 this Agreement. Please read and keep these documents for your 
   account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
 records. This Agreement begins on the earlier of (a) the date we 
 finally approve your Application for credit or (b) the first date that we  payment due date following the effective date of the increase.
 extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
 This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
 �Arbitration Provision� below). on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
   Credit Limit increase requests.         amount of credit available to you at any time, with or without cause, 
 ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,  subject to applicable limitations of law. We may terminate further 
 your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
 evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
                                           that time. You may close your Account by writing to us at Account 
 USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
 lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
 orders) from participating establishments (each a �Purchase�) up to  this Agreement will continue to apply to any balance that you owe us 
   certain qualifying transactions. The period of time that special terms 
 any credit limit we may establish for you (your �Credit Limit�). You  until you have paid everything you owe, including any interest and 
   may be available may be limited. Information specific to any special 
 may use your Account only for personal, family, or household  fees due. Account cancellation may adversely affect your credit 
   terms will be provided at the time of offer. If you use your Account to 
 purposes. You may not use your Card or your Account for any illegal  history.
   enter into a qualifying transaction, you will be deemed to have 
 transaction or any gambling transaction. We may decline 
   acknowledged and agreed to the terms disclosed at the time of the 
 transactions for any reason, including: operational matters, default,  STATEMENTS We will send you a Statement for each monthly billing 
   offer, which terms may modify or differ from the regular terms of this 
 or suspected fraudulent or unlawful activity. Transactions above a  cycle in which (i) the balance of your Account (including unpaid 
   Agreement. No formal amendment of this Agreement will be 
 certain dollar amount may require authorization by us before the  Purchases and Cash Advances, interest and other fees and charges) 
 transaction can be approved. We will not be liable for the failure to  necessary and all terms of this Agreement will remain applicable 
   except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
 authorize credit because of operational difficulties or mistakes. We 
                                           $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
 may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement 
                                           other activity on your Account or (iv) as otherwise required by 
 day for security reasons, without any liability to you. We are not  as modified by the special terms of an offer or are otherwise in default 
 responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
   immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
 HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
 refusal of a participating establishment to honor your Account. law. (the �Payment Due Date�).
 PAYMENT REQUIREMENTS AND CREDITING Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
 any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
 Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
 shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
 Statement. You may at any time pay off your entire balance in full  any check or other payment instrument that indicates that the  or other information provided in your Application or otherwise 
 or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
 additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
 Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
 each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
 your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
 opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
 greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
 without losing any of our rights under the credit agreement governing  this Agreement and subject to the requirements of applicable 
 New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
 your Account. (A postdated check is a check dated later than the day  law: (i) terminate this Agreement; (ii) terminate your right to 
 than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
 it was actually presented for payment.) We are under no obligation to  make future Purchases; (iii) change your Credit Limit; or (iv) add 
 may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
 hold a postdated check and we reserve the right to process every  new terms or delete or change any terms and conditions of this 
 to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
 Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
 processor unless you give us adequate notice and a reasonable  non-variable to a variable periodic rate, increasing any rate of 
 in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
 opportunity to act on it. Except where such notice and opportunity is  interest, increasing or adding fees or charges, changing the 
 following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
 given, you may not hold us liable for depositing any postdated check. method of computing the balance upon which interest is 
 (EFTs) by debit entries drawn on the bank account, debit or credit  damages. Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
 card you have identified to us in your application for this Account or  avoidable or refundable and you will be responsible for paying any 
 INTEREST                                  accrue). Changes that are favorable to you may be made at any 
 any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
 Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to  factors including, but not limited to, anti-fraud policies and 
 Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
 have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified  procedures, your record of making timely payments and staying 
 assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
 Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front  within your established Credit Limit on your Account with us, 
 monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
 payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of  your credit score and information contained in your credit 
 percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
 Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make  report and your proper maintenance of any checking account 
 (corresponding APR of 29.99%). website that we designate or otherwise), then, to the extent not 
 electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment  used to make your automatic payments, if applicable.
   prohibited by law, we may send notices concerning the availability of 
 and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
 Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
 your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment  When required by applicable law, we will provide you with written 
 Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
 the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment  notice of a new or deleted term or change in terms and offer you the 
 �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
 monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic  right to reject terms in the manner specified at the time of notice. No 
 we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
 receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional  new term or change in the terms of this Agreement will affect your 
 transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
 month on or after the Payment Due Date shown on your monthly  payment received. obligation to pay all amounts owing under this Agreement.
 other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
 statement. (3) You agree that in the event any debit is rejected or 
 us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
 dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law. ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
 those daily balances for the billing cycle and divide the total by the 
 have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be  any portion of your Account and all or any portion of our rights under 
 mailed or delivered to us at the address for payments shown on your  number of days in the billing cycle. This gives us the �average daily 
 that you wish us to debit and the Bank Account on which the  MONITORING AND RECORDING To ensure that you receive quality  this Agreement to any other person without prior notice to you. You 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  balance� for that type of balance.
   service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
 open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
 information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
   It is our goal to provide prompt, consistent assistance and deliver 
 comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
   accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
 Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
 until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
 Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
   ELECTRONIC AND OTHER MEANS  We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
 may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
 telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
 any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
 advance to allow us and your financial institution a reasonable  to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
 opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
 keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
 Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
 in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
 Payment Plan. Also, if there are insufficient funds in your Bank  balances. promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
 Account to process any payment, your enrollment in the Automatic  by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
 Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
 responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
 institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
 get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
 that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
 notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
 handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
 close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
 individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
 CREDIT REPORTS AND INFORMATION equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
 claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
 Credit Reports You authorize us to make or have made any credit,  enforce our rights or remedies at any one time, we may enforce them 
 party may elect arbitration. costs and expenses, including reasonable attorneys� fees, incurred by 
 employment or other investigative inquiries we deem appropriate to  the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
 renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
 also may obtain follow-up credit reports on you for any lawful purpose  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the  Agreement. Reasonable attorney's fees will be awarded to you if you 
 as long as you have an outstanding balance. Arbitration Provision, if any provision of this Agreement is finally 
 filing fee. You may seek a waiver of the initial filing fee or any other fees  prevail in any action, suit or proceeding brought by us; or an action 
 ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT  determined to be void or unenforceable under applicable law, rule or 
 TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  incurred in arbitration. If you seek, but do not qualify for, a waiver, we  brought by you. If you successfully assert a partial defense or set-off, 
   regulation, all other provisions of this Agreement shall still be valid 
 Information Sharing You acknowledge and agree that we may  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
 ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY  and enforceable.
 share information about you with others in accordance with our  withhold from us the entire amount or such portion of the attorney 
 (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE  for all or part of such fees. Each party will pay for its respective 
 Privacy Notice (a copy of which we will provide to you and may be  OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
   Certain provisions of this Agreement are stated as being subject to 
 obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
   applicable law. Such provisions may be void, unenforceable or 
 time to time). another party if the arbitrator, applying applicable law, so determines.  NJ RESIDENTS: Because certain provisions of this agreement are 
 OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS  inapplicable in some jurisdictions.
 ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY  Allocation of fees and costs relating to appeals in arbitration will be  subject to applicable law, they may be void, unenforceable or 
 Notice of Inaccurate Information If you believe that we have  inapplicable in some jurisdictions. None of these provisions, 
 CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  ENTIRE AGREEMENT This Agreement, including any other written, 
 information about you that is inaccurate or that we have reported or  fees that apply to an arbitration proceeding with JAMS, please visit  however, is void, unenforceable or inapplicable in New Jersey.
 CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR  oral or electronic document incorporated into and made a part of this 
 may report to a credit reporting agency information about you that is  http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
 OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE  Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
 inaccurate, please notify us of the specific information that you  http://www.adr.org/consumer_arbitration. The appropriate fee 
 AVAILABLE IN ARBITRATION. Except as set forth below, the  your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
 believe is inaccurate by writing to us at Account Services, P.O. Box  schedule in effect from time to time is hereby incorporated by 
 arbitrator�s decision will be final and binding. Only a court may  agreement between you and us relating to your Account. If there is  regarding the status of your account.
 105555, Atlanta, GA 30348-5555. reference into this Arbitration Provision. The cost of arbitration may be 
 decide the validity of items (iii) and (iv) above. If a court holds that  any conflict between any one of these documents and this 
 higher or lower than the cost of bringing your Claim in court, depending 
 items (iii) or (iv) are limited, invalid or unenforceable, then this entire  Agreement, the terms of this Agreement control. This Agreement 
                                           NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
 ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
 Arbitration Provision will be null and void. You or we can appeal any 
 CLAIMS) Except as otherwise stated below, if you or we so choose,  Having more than one Claim and holding face to face hearings can  of this Agreement.
 such holding. If a court holds that any other part(s) of this Arbitration  BUYER/CARDHOLDER Your name and address, our name and 
 any Claim (as defined below) will be resolved by binding arbitration  increase the cost of arbitration. Again, neither you nor we will be 
 Provision (other than items (iii) and (iv)) are invalid, then the  address and the date on any Application or any other document or 
 pursuant to (a) this Arbitration Provision and (b) the Code of  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
 remaining parts of this Arbitration Provision will remain in force. An  record you sign in connection with your Account are incorporated 
 Procedure of the national arbitration organization to which the Claim  individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
 arbitrator will decide all other issues pertaining to arbitrability, validity,  here and made a part of this Agreement and represent your name 
 is referred (as in effect when the Claim is filed). Claims will be  Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
 interpretation and enforceability of this Arbitration Provision. The  and address, our name and address, and the date on this 
 referred to either Judicial Arbitration and Mediation Services  with respect to persons who use your Account. governed by and construed in accordance with applicable 
 decision of an arbitrator is as enforceable as any court order and may  Agreement. The electronic record of your transmission of an Unique 
 (�JAMS�) or the American Arbitration Association (�AAA�), as  federal law and, to the extent not preempted by federal law, the 
 be subject to very limited review by a court. An arbitrator may decide  Approval Code and the consummation of a sales transaction under 
 selected by the party electing to use arbitration. Streamlined  Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
                                           this Agreement represents your signature on this Agreement.
 arbitration procedures will be used if available. If a selection by us of  a Claim upon the submission of documents alone, or a party may  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
 one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
                                           CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
 within 30 days after you receive notice of our election, to select the  exchange of non-privileged information relevant to the Claim,  seq., as amended, notwithstanding any other governing law provision  enforceability and interpretation of this Agreement and the 
 other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  Rolla, MO
 in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
 purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
   loan is made, executed and delivered in Missouri and that we  REV. DATE: July 2016
 dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. honor claims of privilege recognized at law. Judgment upon any 
   make all credit decisions, open all accounts and issue all 
 present or future, (collectively, "Claims") as further described below.  arbitration award may be entered and enforced, including without 
   proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
 (If for any reason a selected organization cannot, will not or ceases to  Broad Meaning of �Claims.� The term "Claims" in this Arbitration  limitation by garnishment, attachment, foreclosure or other post 
 Provision is to be given the broadest possible meaning and includes  payments in our offices in Missouri.
 serve as an arbitration administrator, you or we may substitute  judgment remedies, in any court having jurisdiction. The arbitrator�s  Your Billing Rights: Keep This Document For Future Use
 another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
   YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
 code of procedure and is mutually acceptable to the parties.) relating to (i) the application for or issuance of your Account, (ii) use,  provided by the FAA, in which case any party can appeal the award 
   (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
 terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
 Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
 Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
 engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
 no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
 this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
 within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
 change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
 Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
 must give us the following information: Name, Address and Account  Agreement. invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
   You must contact us:   Account Services Dispute Resolution
   �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
  wrong.   as discussed above. After we finish our investigation, we will tell  
   You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
   us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
   errors and you may have to pay the amount in question.
 What Will Happen After We Receive Your Letter
 When we receive your letter, we must do two things:
   1. Within 30 days of receiving your letter, we must tell you that we  
   received your letter. We will also tell you if we have already  
   corrected the error.
   2. Within 90 days of receiving your letter, we must either correct  
   the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error:
   �  We cannot try to collect the amount in question, or report you  
   as delinquent on that amount.
   �  The charge in question may remain on your statement, and we  
   may continue to charge you interest on that amount.
   �  While you do not have to pay the amount in question, you are  
   responsible for the remainder of your balance.
   �  We can apply any unpaid amount against your credit limit.
 After we finish our investigation, one of two things will happen:
   �  If we made a mistake: You will not have to pay the amount in  
   question or any interest or other fees related to that amount.
   �  If we do not believe there was a mistake: You will have to pay  
   the amount in question, along with applicable interest and fees.  
   We will send you a statement of the amount you owe and the date  
   payment is due. We may then report you as delinquent if you do  
   not pay the amount we think you owe.
   If you receive our explanation but still believe your bill is wrong,  
   you must write to us within 10 days telling us that you still refuse  
   to pay. If you do so, we cannot report you as delinquent without  
   also reporting that you are questioning your bill. We must tell you  
   the name of anyone to whom we reported you as delinquent, and  
   we must let those organizations know when the matter has been  
   settled between us.
   If we do not follow all of the rules above, you do not have to pay  
   the first $50 of the amount you question even if your bill is correct.
 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   If you are dissatisfied with the goods or services that you have  
   purchased with your credit card, and you have tried in good faith  
   to correct the problem with the merchant, you may have the right  
   not to pay the remaining amount due on the purchase.
   To use this right, all of the following must be true:
   1. The purchase must have been made in your home state or  
   within 100 miles of your current mailing address, and the   
   purchase price must have been more than $50. (Note: Neither of  
   these are necessary if your purchase was 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: How We Will Calculate Your Balance: We use a method called  PROMISE TO PAY You agree to be bound by the terms and  DEFAULT Unless prohibited by applicable law, you will be in default 
 �average daily balance (including new transactions).� See the  conditions of this Agreement. You promise to pay for all Purchases  under this Agreement if you: (i) do not make at least the Minimum 
 additional terms and conditions below for more details. and all other amounts owed to us under the terms of this Agreement.  Payment required from time to time on or before its Payment Due 
 You promise to make all payments in U.S. dollars and to submit for  Date; (ii) exceed your Credit Limit without permission; (iii) tender a 
 Billing Rights: Information on your rights to dispute transactions and  payment of your Account only checks or other items drawn on U.S.  payment on your Account and your payment is returned to us unpaid 
 how to exercise those rights is provided in the additional terms and  financial institutions. or otherwise rejected for any reason; (iv) become subject to 
 conditions below.
   bankruptcy or insolvency proceedings; (v) become subject to 
 YOUR CREDIT LIMIT You agree not to use your Account in any way 
 U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The  attachment or garnishment proceedings; (vi) give us any misleading, 
 that would cause you to go over your Credit Limit. We may refuse to 
 provisions titled �Honor Your Account,� �Postdated Checks,  false, incomplete or incorrect information or false or fraudulent 
 authorize or accept any transaction on your Account that would 
 Restrictive Endorsements Checks and Other Disputed or  signature; (vii) die; or (viii) fail to comply with any term of this 
 cause you to exceed your Credit Limit. We may establish different 
 Qualified Payments,� �Changes in Terms� and �Arbitration  Agreement or any other agreement that you have with us. Subject to 
 Credit Limits for different features of your Account in addition to a 
 Provision.� any notice of default and right to cure or other limitation of applicable 
 general (total) Credit Limit. If you exceed your Credit Limit, you must 
   law, if you are in default, we may, in addition to any other rights that 
 GENERAL This Cardholder Agreement (�Agreement�) governs the  pay us the excess amount promptly. We reserve the right not to 
   we may have under this Agreement: (a) reduce your Credit Limit or 
 use of your revolving credit account (your �Account�). In this  increase your available credit by the amount of any payment 
   cancel your Account; (b) require you to pay your entire Account 
 Agreement and in your monthly billing statement (�Statement�), �we,�  received, for a period of up to four (4) business days from the date of 
   balance (including accrued but unpaid interest and any other fees 
 �us,� �our� and �Bank� refer to Mid America Bank and Trust Company,  receipt to provide for processing and verification. Processing speeds 
   and charges provided for in this Agreement) immediately; and/or (c) 
 member FDIC, including, as applicable, our successors, assignees  can vary depending on how your payment is cleared.
   bring an action to collect all amounts owed.
 and representatives. �You,� �your� and �Cardholder� refer to the 
 person who applied and was approved for the Account and, as  Your Account represents a continuing offer to extend further credit to 
 appropriate, all persons authorized to use the Account. �Application�  you which may be withdrawn at any time. We reserve the right to  You agree to pay, to the greatest extent not prohibited by law, our 
 refers to any (i) written or electronic application that you signed or  change (to set, increase, decrease or remove) the Credit Limit for  reasonable attorneys� fees and any collection costs and 
 otherwise submitted for this Account or (ii) oral request for credit and  your Account from time to time in accordance with this Agreement  disbursements and court fees related to the collection of your 
 a Card resulting in this Account. �Card� refers to any credit card,  and applicable law. Certain changes in your Credit Limit may occur  Account.
 Account number or other credit access device that we issue to you.  without prior written notice to you and may be based upon factors 
 Your Application, any Card carrier that we send with your Card, any  including, but not limited to, anti-fraud policies and procedures, your  PENALTY RATE If we do not receive your required Minimum 
 other written documents (including any electronic record) evidencing 
 record of making timely payments and staying within your  Payment within 60 days of its Payment Due Date, all of your rates 
 any transactions made under your Account and any notices that we 
 established Credit Limit, your credit score and information contained  may increase to the Penalty Rate. The Penalty APR will cease to 
 send to you with your Agreement are part of and incorporated into 
 in your credit report and your proper maintenance of any checking  apply if we receive six consecutive minimum monthly payments on or 
 this Agreement. Please read and keep these documents for your 
 account used to make automatic payments, if applicable. before their respective payment due dates beginning with the first 
 records. This Agreement begins on the earlier of (a) the date we 
 finally approve your Application for credit or (b) the first date that we  payment due date following the effective date of the increase.
 extend credit to you or someone authorized by you on your Account.  If finally approved for an Account, your initial Credit Limit(s) will 
 This Agreement includes an Agreement to Arbitrate Claims (see  appear on your Card carrier. Your current Credit Limit(s) can be found  CANCELLATION We may cancel your Account, refuse to allow 
 �Arbitration Provision� below). on your Statement or provided upon request. We do not accept  further transactions, offer credit on different terms or adjust the 
 Credit Limit increase requests. amount of credit available to you at any time, with or without cause, 
 ACCEPTANCE OF THIS AGREEMENT Your activation of your Card,  subject to applicable limitations of law. We may terminate further 
 your use of the Account, or any payment made on the Account  You have the right to receive an answer to a written inquiry  transactions on your Account without notice if you change your 
 evidences your acceptance of the terms of this Agreement. concerning the status of your Account. address to a jurisdiction in which we do not make credit available at 
   that time. You may close your Account by writing to us at Account 
 USING YOUR ACCOUNT You can use your Card to purchase or  SPECIAL TERMS From time to time we may offer special terms in  Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of 
 lease goods or services (including mail, telephone and electronic  connection with your Account. These special terms may be limited to 
 orders) from participating establishments (each a �Purchase�) up to  this Agreement will continue to apply to any balance that you owe us 
 certain qualifying transactions. The period of time that special terms 
 any credit limit we may establish for you (your �Credit Limit�). You  until you have paid everything you owe, including any interest and 
 may be available may be limited. Information specific to any special 
 may use your Account only for personal, family, or household  fees due. Account cancellation may adversely affect your credit 
 terms will be provided at the time of offer. If you use your Account to 
 purposes. You may not use your Card or your Account for any illegal  history.
 enter into a qualifying transaction, you will be deemed to have 
 transaction or any gambling transaction. We may decline 
 acknowledged and agreed to the terms disclosed at the time of the 
 transactions for any reason, including: operational matters, default,  STATEMENTS We will send you a Statement for each monthly billing 
 offer, which terms may modify or differ from the regular terms of this 
 or suspected fraudulent or unlawful activity. Transactions above a  cycle in which (i) the balance of your Account (including unpaid 
 Agreement. No formal amendment of this Agreement will be 
 certain dollar amount may require authorization by us before the 
 necessary and all terms of this Agreement will remain applicable  Purchases and Cash Advances, interest and other fees and charges) 
 transaction can be approved. We will not be liable for the failure to 
 except those inconsistent with the disclosed special terms of the  on the last day of that billing cycle (the �New Balance�) is greater than 
 authorize credit because of operational difficulties or mistakes. We 
 may limit the number and amount of transactions approved in one  offer. If at any time you fail to comply with the terms of this Agreement  $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any 
 as modified by the special terms of an offer or are otherwise in default  other activity on your Account or (iv) as otherwise required by 
 day for security reasons, without any liability to you. We are not 
 responsible for any losses associated with a declined transaction. of any obligation you owe us, then we may, in our sole discretion,  applicable law. Your Statement will show, among other things, the 
 immediately terminate any special offer terms. We will notify you of  total minimum payment you must make during the billing cycle (the 
 HONORING YOUR ACCOUNT We are not liable for the failure or  the termination of any special terms if (and as) expressly required by  �Minimum Payment�) and the date that the Minimum Payment is due 
 refusal of a participating establishment to honor your Account. law. (the �Payment Due Date�).
 PAYMENT REQUIREMENTS AND CREDITING Plan. (8) You have the right to review your accounts and to withdraw  in full,� �without recourse,� or similar language. If you send such a  FEES NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, 
 any privileges previously granted. (9) Participation in the Automatic  payment, we may accept it without losing any of our rights under this  TELEPHONE NUMBER OR OTHER INFORMATION You agree to 
 Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan is not a requirement of continuing credit under your  Agreement. All notices and written communications concerning  Unless otherwise stated, the following fees may be added to your  notify us promptly of any change in your electronic mail address, your 
 shown on your Statement by the Payment Due Date shown on the  Account. Enrollment in the Automatic Payment Plan is optional. postdated checks, restrictive endorsement checks (including  Purchase balance: postal address, your home telephone number, place of employment 
 Statement. You may at any time pay off your entire balance in full  any check or other payment instrument that indicates that the  or other information provided in your Application or otherwise 
 or more than the Minimum Payment due without incurring any  Right to Stop Payment and Procedure For Doing So: If you have  payment constitutes �payment in full� of the amount owed or  Late Payment Fee If you fail to make a timely payment, you agree to  provided to us from time to time, including porting a landline 
 additional charge. We reserve the right to change your Minimum  scheduled monthly payments through the Automatic Payment Plan,  that is tendered with other conditions or limitations or as full  pay a Late Payment Fee of up to $15 for payments that are over 15  telephone number to a cellular number or VoIP, by writing to us at 
 Payment requirement from time to time. The Minimum Payment due  you can tell us to stop any of these payments by calling Customer  satisfaction of a disputed amount) or any other disputed,  days late. For PR residents, the lesser of $15 or 5% of the payment  Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by 
 each month will be an amount equal to the greater of (a) 5.59% of  Service at the telephone number shown on your monthly statement,  nonconforming or qualified payments, must be mailed or  due for payments that are over 15 days late. calling us at 1-888-247-0237.
 your highest outstanding New Balance, since your Account was  by sending an e-mail to cs@thdhomeimprovercard.com or by writing  delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 
 opened or since your New Balance was zero or (b) $30 plus the  to us at Customer Service--Automatic Payment Plan Department,  30348-5374. We may also accept late, postdated or partial payments  Returned Payment Fee To the greatest extent not prohibited by law,  CHANGES IN TERMS We may, at any time in accordance with 
 greater of (a) any past due amount or (b) any amount by which your  P.O. Box 105555, Atlanta, GA 30348-5555. If you send us an email or  if any payment is dishonored or returned, you agree to pay a 
 without losing any of our rights under the credit agreement governing  this Agreement and subject to the requirements of applicable 
 New Balance exceeds your Credit Limit. If your New Balance is less  write to us, your request must reach us at least 5 business days  Returned Payment Fee of $20 if rejected for stopped payment. In no 
 your Account. (A postdated check is a check dated later than the day  law: (i) terminate this Agreement; (ii) terminate your right to 
 than your Minimum Payment, your New Balance is due in full. You  before the scheduled Payment Due Date. If you call us, we may  event will the Returned Payment Fee exceed the amount of the 
 it was actually presented for payment.) We are under no obligation to  make future Purchases; (iii) change your Credit Limit; or (iv) add 
 may at any time make additional payments without penalty. require you to put your request in writing and to deliver your request  refused or returned payment.
 hold a postdated check and we reserve the right to process every  new terms or delete or change any terms and conditions of this 
 to us within 14 days after you call. We may charge you a fee for each  item presented as if dated the same date received by us or our check  Agreement relating to your Account (including changing from a 
 Authorization Agreement for Automatic Payments If you enrolled  stop payment request that you give us. If you tell us to stop a  REFUND OF INTEREST AND FEES We will credit any interest and 
 processor unless you give us adequate notice and a reasonable  non-variable to a variable periodic rate, increasing any rate of 
 in the Automatic Payment Plan, you acknowledge and agree to the  payment at least 5 business days before the Payment Due Date  fees to your Account ONLY if you close your account within 30 days 
 opportunity to act on it. Except where such notice and opportunity is  interest, increasing or adding fees or charges, changing the 
 following: (1) You authorize us to initiate electronic funds transfers  and we do not stop payment, we will be liable for your losses or  of receiving your initial Agreement and you make no charges to your 
 given, you may not hold us liable for depositing any postdated check. method of computing the balance upon which interest is 
 (EFTs) by debit entries drawn on the bank account, debit or credit  damages. Account. After such 30 day period, interest and fees are no longer  assessed or changing the date upon which interest begin to 
 card you have identified to us in your application for this Account or  avoidable or refundable and you will be responsible for paying any 
 INTEREST accrue). Changes that are favorable to you may be made at any 
 any other account that you identify to us from time to time (�Bank  Alternative Payment Methods If you know that we will be unable to  interest and fees charged to your Account. time without prior notice. Changes in terms may be based upon 
 Account�) in the amount of your required Minimum Payments. If you  process a scheduled automatic payment for any reason, then to  factors including, but not limited to, anti-fraud policies and 
 Interest When your Account has an outstanding balance, we will  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when 
 have a Deferred Interest Plan and you enroll in our Automatic  avoid a late payment charge, you must promptly send a certified  procedures, your record of making timely payments and staying 
 assess periodic interest using a monthly periodic rate of interest. The  you applied for your Account, you agreed to receive electronic 
 Payment Plan, you will need to make one or more additional  check or money order to the �Payment Address� shown on the front  within your established Credit Limit on your Account with us, 
 monthly periodic rate is determined by dividing the annual  notices and disclosures in connection with your Account (whether at 
 payments by mail or by phone to avoid interest. See Deferred  of your monthly statement, or, if offered, you may take advantage of  your credit score and information contained in your credit 
 percentage rate (�APR�) by 12. The monthly periodic rate is 2.499%  an electronic mail address that you provided in your Application, at a 
 Interest Balances below. You have the right to receive notice of all  any pay by phone or online payment service that we may make  report and your proper maintenance of any checking account 
 (corresponding APR of 29.99%). website that we designate or otherwise), then, to the extent not 
 electronic fund transfers from your Bank Account that vary in amount,  available to you from time to time. If you make an alternative payment  used to make your automatic payments, if applicable.
 prohibited by law, we may send notices concerning the availability of 
 and by enrolling, you agree that your monthly statement will serve as  by postal mail or by pay by phone or online service while you are 
 Balance Subject To Interest We figure the interest charge on your  Statements and other notices and disclosures to you at the electronic 
 your notice of the amount of your monthly payment. You may change  enrolled in an Automatic Payment Plan, we may treat such payment  When required by applicable law, we will provide you with written 
 Account by applying the applicable monthly periodic rate to the  mail address that you provided in your Application, any updated 
 the amount to be deducted or withdrawn at any time. Your new  as an additional payment and process your next Automatic Payment  notice of a new or deleted term or change in terms and offer you the 
 �average daily balance� of your Account. For each type of balance,  electronic mail address that you provide to us in writing or otherwise, 
 monthly payment will be effective within 3 business days of our  Plan payment as scheduled or may reduce your next Automatic  right to reject terms in the manner specified at the time of notice. No 
 we take the beginning balance each day, add eligible new  as mutually agreed. If you subsequently choose to receive notices 
 receipt of your instruction. (2) We will initiate authorized EFTs each  Payment Plan payment by the amount of any such additional  new term or change in the terms of this Agreement will affect your 
 transactions and applicable fees, subtract any unpaid interest or  and disclosures by postal mail rather than electronically, then you 
 month on or after the Payment Due Date shown on your monthly  payment received. obligation to pay all amounts owing under this Agreement.
 other finance charges and apply any payments or credits. This gives  agree to provide us with an updated postal address in a timely 
 statement. (3) You agree that in the event any debit is rejected or 
 us the daily balances for that type of balance. Then, we add up all  manner to allow us to comply with any applicable requirements of 
 dishonored we may reinitiate the debit card account once. (4) You  Instructions for Mailed Payments If you pay by check or other  law. ASSIGNMENT; TRANSFER We may sell, assign or transfer all or 
 those daily balances for the billing cycle and divide the total by the 
 have provided us with all necessary information for the Bank Account  written instrument, all payments, except disputed amounts, must be  any portion of your Account and all or any portion of our rights under 
 number of days in the billing cycle. This gives us the �average daily 
 that you wish us to debit and the Bank Account on which the  mailed or delivered to us at the address for payments shown on your  this Agreement to any other person without prior notice to you. You 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  monthly statement. Payments received at the address on the  balance� for that type of balance. MONITORING AND RECORDING To ensure that you receive quality 
 service, you agree that we may record all phone calls. These calls,  may not sell, assign or transfer any of your rights under this 
 open and active account. You agree to notify us promptly if this  payment coupon by 5:00 p.m. Eastern Time, Monday through  between you and our representatives, are evaluated by supervisors.  Agreement.
 information changes. (5) The origination of ACH transactions must  Friday (except legal holidays) will be credited to your Account as of  When Interest Begins To Accrue We will begin charging interest on 
 It is our goal to provide prompt, consistent assistance and deliver 
 comply with the provisions of U.S. law. (6) This Automatic Payment  the date received. Payments must be received with the payment  the transaction date. There is no time period in which to avoid interest 
 accurate information in a professional manner. LOST CARDS AND UNAUTHORIZED USE Contact us at once if 
 Plan is optional. Once enrolled, automatic payments will continue  coupon (bottom portion) of your statement in the enclosed return  on a transaction if a balance is not subject to a special promotion. you believe your Card has been lost or stolen. Telephoning is the best 
 until you notify us that you wish to terminate your enrollment in the  envelope. If payments are received at any other location or without  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  way to minimize your possible losses. If you believe that your Card 
 Automatic Payment Plan, or until we terminate your enrollment. You  your payment coupon, crediting of those payments to your Account  Deferred Interest Balances If you make a purchase under a special 
 ELECTRONIC AND OTHER MEANS  We may contact you for any  has been lost or stolen, or that someone has made a Purchase on 
 may terminate your enrollment by calling Customer Service at the  may be delayed. Payments must be made to Payment  Deferred Interest Plan promotion, we will calculate interest for each  lawful reason, including for the collection of amounts owed to us and  your Account without your permission, call us at 1-888-247-0237. If 
 telephone number shown on your monthly statement. You must give  Processing, P.O. Box 790105, St. Louis, MO 63179-0105, or any  cycle as described above. To avoid such interest you must pay the  for the offering of products or services in compliance with our Privacy  you notify us within two (2) business days of any unauthorized 
 any notice of termination in such a manner and sufficiently in  other address designated by us. total purchase amount and accrued fees and charges that are subject  Notice in effect from time to time. No such contact will be deemed  transactions, you can lose no more than $50 if someone used your 
 advance to allow us and your financial institution a reasonable  to deferred interest (�Promotional Balance�) in full by the last day of  unsolicited. To the greatest extent not prohibited by applicable law,  Card without your permission. If you do not notify us within two
 opportunity to act. We may terminate your enrollment if you fail to  Application of Payments We may apply payments first to unpaid  the promotional period as shown in the Deferred Interest Charge  we may (i) contact you at any address or telephone number  (2) business days after you learn of the loss or theft of your Card and 
 keep your Account or your Bank Account in good standing.  interest and other fees and charges, then to Purchases in the order  Calculation notice on the front of your monthly statement. Making  (including wireless cellular telephone, VoIP or ported landline  we can prove that we could have stopped someone from using your 
 Delinquency or closure of either account, for any reason, may result  in which they are posted to your Account. We may apply payments to  only minimum monthly payments during the promotional period will  telephone number) that you may provide to us from time to time; (ii)  Card without your permission if you had promptly notified us, you 
 in immediate termination of your enrollment in the Automatic  balances under Special Payment Plans prior to non-promotional  not pay off your Promotional Balance by the last day of the  use any means of communication, including, but not limited to, postal  could lose as much as $500. Also, if you become aware of or your 
 Payment Plan. Also, if there are insufficient funds in your Bank  balances. promotional period. If you do not pay your Promotional Balance in full  mail, electronic mail, telephone or other technology, to reach you; (iii)  statement shows transactions that you did not make, notify us at 
 Account to process any payment, your enrollment in the Automatic  by such date, then the interest that has accrued from the date of  use automatic dialing and announcing devices which may play  once following the procedures stated in the Billing Rights Notice 
 Payment Plan may be terminated immediately. (7) We are not  Disputed Payments Postdated Checks, Restrictive  purchase through and including the last day of the promotional period  recorded messages; and (iv) send text messages to your telephone.  found at the end of this Agreement. If you do not notify us in writing 
 responsible for any fees that may be charged by your depository  Endorsement Checks and Other Disputed or Qualified  (Deferred Interest Charge) will be added to your regular Purchase  You may contact us at any time to ask that we not contact you using  within sixty (60) days after you become aware of the transaction 
 institution as the result of your participation in the Automatic Payment  Payments. You agree not to send us partial payments marked �paid  balance. any one or more methods or technologies. and/or after the statement was made available to you, you may not 
 get back any value you lost after the sixty (60) days if we can prove  number. The right to reject granted here applies solely to this  Arbitration Procedure and Costs. For a copy of relevant codes of  remaining portions of this Arbitration Provision. If a conflict or  MO RESIDENTS: Oral agreements or commitments to loan 
 that we could have stopped someone from taking the value if you had  Arbitration Provision, and not to any other provision of this  procedure, to file a Claim or for other information about JAMS and  inconsistency arises between the code of procedures of the selected  money, extend credit or to forbear from enforcing repayment of 
 notified us in time and you are grossly negligent or fraudulent in the  Agreement, or to any other agreement with us. In the event of a  AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  arbitration administrator and this Arbitration Provision, this Arbitration  a debt including promises to extend or renew such debt are not 
 handling of your Card. If your Card has been lost or stolen, we will  dispute over whether you have provided a timely rejection notice, you  Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  Provision will control. enforceable. To protect you (borrower) and us (creditor) from 
 close your Card Account to keep losses down. must provide proof of delivery. Neither party may elect to arbitrate an  http://www.jamsadr.com, 1 800 352 5267; or (ii) for AAA, 1633  misunderstanding or disappointment, any agreements we reach 
 individual Claim brought in small claims court (or your state�s  Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of  covering such matters are contained in this writing, which is the 
 CREDIT REPORTS AND INFORMATION equivalent court, if any). However, if a Claim that is brought in small  http://www.adr.org, 1 800 778 7879. If either party fails to submit to  our rights under this Agreement or under applicable law without  complete and exclusive statement of the agreement between us, 
 claims court is transferred or appealed to a different court, either  arbitration following a proper demand to do so, that party will bear the  losing any of those rights or any other rights. Even if we do not  except as we may later agree in writing to modify it.
 Credit Reports You authorize us to make or have made any credit,  party may elect arbitration. costs and expenses, including reasonable attorneys� fees, incurred by  enforce our rights or remedies at any one time, we may enforce them 
 employment or other investigative inquiries we deem appropriate to  the party compelling arbitration. Any physical arbitration hearing that  at a later time. NH RESIDENTS: This Agreement provides for reasonable attorneys� 
 renew, review or collect amounts owed to us on your Account. We  Significance of Arbitration; Limitations and Restrictions. IF YOU  you attend will be held in the federal judicial district where you live at  fees to be awarded to us in an action against you involving this 
 also may obtain follow-up credit reports on you for any lawful purpose  the time the Claim is filed. The party initiating the arbitration will pay the  SEVERABILITY Except as otherwise expressly provided in the 
 OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING  Agreement. Reasonable attorney's fees will be awarded to you if you 
 as long as you have an outstanding balance. Arbitration Provision, if any provision of this Agreement is finally 
 ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT  filing fee. You may seek a waiver of the initial filing fee or any other fees  prevail in any action, suit or proceeding brought by us; or an action 
 determined to be void or unenforceable under applicable law, rule or 
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  brought by you. If you successfully assert a partial defense or set-off, 
 TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING  regulation, all other provisions of this Agreement shall still be valid 
 Information Sharing You acknowledge and agree that we may  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY  will consider any written request by you for us to pay or reimburse you  recoupment or counterclaim to an action brought by us the court may 
 and enforceable.
 share information about you with others in accordance with our  for all or part of such fees. Each party will pay for its respective  withhold from us the entire amount or such portion of the attorney 
 (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 Privacy Notice (a copy of which we will provide to you and may be  attorneys�, experts� and witness fees, regardless of which party  fees as the court considers equitable.
 OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE  Certain provisions of this Agreement are stated as being subject to 
 obtained from www.thdhomeimprovercard.com as it is in effect from  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE  prevails in the arbitration. A party may recover any or all expenses from 
 applicable law. Such provisions may be void, unenforceable or 
 time to time). NJ RESIDENTS: Because certain provisions of this agreement are 
 OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS  another party if the arbitrator, applying applicable law, so determines.  inapplicable in some jurisdictions.
 Allocation of fees and costs relating to appeals in arbitration will be  subject to applicable law, they may be void, unenforceable or 
 ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 Notice of Inaccurate Information If you believe that we have  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR  handled in the same manner. For an explanation and schedule of the  inapplicable in some jurisdictions. None of these provisions, 
 ENTIRE AGREEMENT This Agreement, including any other written, 
 information about you that is inaccurate or that we have reported or  however, is void, unenforceable or inapplicable in New Jersey.
 CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR  fees that apply to an arbitration proceeding with JAMS, please visit  oral or electronic document incorporated into and made a part of this 
 may report to a credit reporting agency information about you that is  http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit 
 OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE  Agreement, is the entire agreement between you and us relating to  MD RESIDENTS: You have the right under Section 120510 of the 
 inaccurate, please notify us of the specific information that you  http://www.adr.org/consumer_arbitration. The appropriate fee 
 AVAILABLE IN ARBITRATION. Except as set forth below, the  your Account and supersedes any other prior or contemporaneous  Commercial Law Code to receive an answer to your written inquiry 
 believe is inaccurate by writing to us at Account Services, P.O. Box  schedule in effect from time to time is hereby incorporated by 
 arbitrator�s decision will be final and binding. Only a court may  agreement between you and us relating to your Account. If there is  regarding the status of your account.
 105555, Atlanta, GA 30348-5555. reference into this Arbitration Provision. The cost of arbitration may be 
 decide the validity of items (iii) and (iv) above. If a court holds that  any conflict between any one of these documents and this 
 higher or lower than the cost of bringing your Claim in court, depending 
 items (iii) or (iv) are limited, invalid or unenforceable, then this entire  Agreement, the terms of this Agreement control. This Agreement 
   NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
 ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  upon the nature of your Claim and how the arbitration proceeds.  may not be amended except in accordance with the other provisions 
 Arbitration Provision will be null and void. You or we can appeal any 
 CLAIMS) Except as otherwise stated below, if you or we so choose,  Having more than one Claim and holding face to face hearings can  of this Agreement.
 such holding. If a court holds that any other part(s) of this Arbitration  BUYER/CARDHOLDER Your name and address, our name and 
 any Claim (as defined below) will be resolved by binding arbitration  increase the cost of arbitration. Again, neither you nor we will be 
 Provision (other than items (iii) and (iv)) are invalid, then the  address and the date on any Application or any other document or 
 pursuant to (a) this Arbitration Provision and (b) the Code of  permitted to arbitrate claims on a class wide (that is, on other than an  GOVERNING LAW FOR CREDIT This Agreement, and any claim, 
 remaining parts of this Arbitration Provision will remain in force. An  record you sign in connection with your Account are incorporated 
 Procedure of the national arbitration organization to which the Claim  individual) basis. An arbitration proceeding can decide only your or our  dispute or controversy (whether in contract, tort, or otherwise) 
 arbitrator will decide all other issues pertaining to arbitrability, validity,  here and made a part of this Agreement and represent your name 
 is referred (as in effect when the Claim is filed). Claims will be  Claims. You cannot join other parties (or consolidate Claims) except  at any time arising from or relating to this Agreement, are 
 interpretation and enforceability of this Arbitration Provision. The  and address, our name and address, and the date on this 
 referred to either Judicial Arbitration and Mediation Services  with respect to persons who use your Account. governed by and construed in accordance with applicable 
 decision of an arbitrator is as enforceable as any court order and may  Agreement. The electronic record of your transmission of an Unique 
 (�JAMS�) or the American Arbitration Association (�AAA�), as  federal law and, to the extent not preempted by federal law, the 
 selected by the party electing to use arbitration. Streamlined  be subject to very limited review by a court. An arbitrator may decide  Approval Code and the consummation of a sales transaction under 
 Governing Law for Arbitration. This Arbitration Provision is made  laws of Missouri (without regard to internal principles of conflict 
 a Claim upon the submission of documents alone, or a party may  this Agreement represents your signature on this Agreement.
 arbitration procedures will be used if available. If a selection by us of  pursuant to a transaction involving interstate commerce, and will be  of laws), except that the arbitration provision is governed by the 
 one of these organizations is unacceptable to you, you have the right,  request a telephonic hearing if permitted by applicable rules. The  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality, 
 exchange of non-privileged information relevant to the Claim,  enforceability and interpretation of this Agreement and the  CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY, 
 within 30 days after you receive notice of our election, to select the  seq., as amended, notwithstanding any other governing law provision  Rolla, MO
 other organization listed to serve as arbitration administrator. For  between the parties, is permitted and encouraged. Either party may  in this Agreement. The arbitrator will apply applicable substantive law  amounts contracted for, charged and reserved under this 
 purposes of this Arbitration Provision, �Claim� means any claim,  submit relevant information, documents or exhibits to the arbitrator  consistent with the FAA and applicable statutes of limitations and will  Agreement will be governed by such laws. You agree that this 
   REV. DATE: July 2016
 dispute or controversy (whether in contract, tort, or otherwise), past,  for consideration in deciding a Claim. loan is made, executed and delivered in Missouri and that we 
 honor claims of privilege recognized at law. Judgment upon any 
 make all credit decisions, open all accounts and issue all 
 present or future, (collectively, "Claims") as further described below.  arbitration award may be entered and enforced, including without 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  proceeds from, impose all fees and charges in, and receive all  BILLING RIGHTS NOTICE
 (If for any reason a selected organization cannot, will not or ceases to  limitation by garnishment, attachment, foreclosure or other post 
 Provision is to be given the broadest possible meaning and includes  payments in our offices in Missouri.
 serve as an arbitration administrator, you or we may substitute  judgment remedies, in any court having jurisdiction. The arbitrator�s  Your Billing Rights: Keep This Document For Future Use
 another widely recognized arbitration organization that uses a similar  (by way of example and without limitation) Claims arising from or  decision will be final and binding, except for any right of appeal 
 relating to (i) the application for or issuance of your Account, (ii) use,  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED    This notice tells you about your rights and our responsibilities  
 code of procedure and is mutually acceptable to the parties.) provided by the FAA, in which case any party can appeal the award 
 (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY    under the Fair Credit Billing Act.
 terms, change in terms or addition of terms, closing or collection of  to a three arbitrator panel administered by the selected arbitration  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ  What To Do If You Find A Mistake On Your Statement
 Right To Reject Arbitration. You may reject this Arbitration  your Account or this Agreement, (iii) advertisements, promotions or  administrator. The panel will reconsider de novo (that is, without  IT AND AGREE TO ITS TERMS.   If you think there is an error on your statement, write to us at:  
 Provision. If you do so, neither you nor we will have the right to  oral or written statements related to your Account, including any  deference to the ruling of the original arbitration) any aspect of the    Account Services Dispute Resolution
 engage in arbitration. Rejecting this Arbitration Provision will have  Claims regarding information obtained by us from, or reported by us  initial award requested by the appealing party.   P.O. Box 105374
 no effect on any of the other provisions in this Agreement. To reject  to, credit reporting agencies or others, (iv) Claims between you and  NOTICE TO THE BUYER   Atlanta, GA 30348-5374
 this Arbitration Provision, you must send us your written rejection  our parent corporations, wholly or majority owned subsidiaries,  Continued Effect of Arbitration Provision. This Arbitration    1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT      In your letter, give us the following information:
 within 60 days after we open your Account, or 60 days after any  affiliates, predecessors, successors, assigns, agents, independent  Provision will continue to govern any Claims that may arise without    CONTAINS ANY BLANK SPACES.   �  Account information: Your name and account number.
 change in terms that affects this Arbitration Provision, to Account  contractors, employees, officers, directors or representatives arising  regard to any termination or cancellation of your Account. If any    2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED     �  Dollar amount: The dollar amount of the suspected error.
 Services Dispute Resolution, P.O. Box 105096, Atlanta, GA  from your Account or this Agreement and (v) Claims regarding the  portion of this Arbitration Provision (other than the provisions    IN COPY OF THE AGREEMENT YOU SIGN.   �  Description of problem: If you think there is an error on your bill,  
 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you  validity, enforceability or scope of this Arbitration Provision or this  prohibiting class wide arbitration, joinder or consolidation) is deemed    3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL     describe what you believe is wrong and why you believe it is a  
 must give us the following information: Name, Address and Account  Agreement. invalid or unenforceable under the FAA, it will not invalidate the    AMOUNT DUE.  mistake.
   You must contact us:   Account Services Dispute Resolution
   �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount  
  wrong.   as discussed above. After we finish our investigation, we will tell  
   You must notify us of any potential errors in writing. You may call     you our decision. At that point, if we think you owe an amount and  
   us, but if you do we are not required to investigate any potential     you do not pay, we may report you as delinquent.
   errors and you may have to pay the amount in question.
 What Will Happen After We Receive Your Letter
 When we receive your letter, we must do two things:
   1. Within 30 days of receiving your letter, we must tell you that we  
   received your letter. We will also tell you if we have already  
   corrected the error.
   2. Within 90 days of receiving your letter, we must either correct  
   the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error:
   �  We cannot try to collect the amount in question, or report you  
   as delinquent on that amount.
   �  The charge in question may remain on your statement, and we  
   may continue to charge you interest on that amount.
   �  While you do not have to pay the amount in question, you are  
   responsible for the remainder of your balance.
   �  We can apply any unpaid amount against your credit limit.
 After we finish our investigation, one of two things will happen:
   �  If we made a mistake: You will not have to pay the amount in  
   question or any interest or other fees related to that amount.
   �  If we do not believe there was a mistake: You will have to pay  
   the amount in question, along with applicable interest and fees.  
   We will send you a statement of the amount you owe and the date  
   payment is due. We may then report you as delinquent if you do  
   not pay the amount we think you owe.
   If you receive our explanation but still believe your bill is wrong,  
   you must write to us within 10 days telling us that you still refuse  
   to pay. If you do so, we cannot report you as delinquent without  
   also reporting that you are questioning your bill. We must tell you  
   the name of anyone to whom we reported you as delinquent, and  
   we must let those organizations know when the matter has been  
   settled between us.
   If we do not follow all of the rules above, you do not have to pay  
   the first $50 of the amount you question even if your bill is correct.
 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   If you are dissatisfied with the goods or services that you have  
   purchased with your credit card, and you have tried in good faith  
   to correct the problem with the merchant, you may have the right  
   not to pay the remaining amount due on the purchase.
   To use this right, all of the following must be true:
   1. The purchase must have been made in your home state or  
   within 100 miles of your current mailing address, and the   
   purchase price must have been more than $50. (Note: Neither of  
   these are necessary if your purchase was 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: F03-U363-1 -0816