Genesis Credit® Pricing Summary
First Electronic Bank

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases
Paying Interest

34.9%
We will begin charging interest on purchases on the transaction date.

For Credit Card Tips from
the Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the
website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

Penalty Fees 

None

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Late Payment
Returned Payment

Up to $40
Up to $40

How We Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See your Account
Agreement below for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your below Account
Agreement.

Genesis Credit Account Agreement

Dear Accountholder: 

This Agreement, as defined below, is your contract for your Account and:  

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Covers the terms that govern the use of your Genesis Credit Account;  
Outlines both your responsibilities and ours;  
Includes certain disclosures required by the Federal Truth in Lending Act;   
Includes certain disclosures required by the Federal Military Lending Act;  
Includes an Arbitration of Disputes Provision that will substantially affect your rights unless you reject it, and;  
Contains important information about your Account.  

We encourage you to read the Agreement and keep it for your records.  Please feel free to call us with any questions you may have.  We look forward to serving you.

This Agreement begins on the earlier of (1) the date we approve your Application, or (2) the first date that we extend Credit to you on your Account, as evidenced by a signed sales slip
or other evidence of indebtedness.

DEFINITIONS 

To simplify this Agreement for you, the definitions listed below will apply throughout, both 
in this Agreement and in your monthly statements.
In addition, the words you, your, and 
yours refer to the Accountholder(s) who hold(s) the Account Number and is responsible 
for the Account, each of whom is individually and jointly obligated under this Agreement.  
The words we, us, and our refer to First Electronic Bank. 

Account: Genesis Credit Account for which you were issued an Account Number and 
that is subject to all of the terms and conditions of this Agreement. 

Account Number: The Account Number we issue that you may use to make Purchases 
from Retailer. Use of your Account Number to obtain Credit will be considered a use of 
the Account. 

Accountholder: The person to whom an Account Number is issued, or who has agreed to 
pay obligations arising from an Account Number issued to another person. 

Agreement: Your contract with us for your Account, which is composed of your 
Application, and the Account opening disclosures and this Account Agreement. Any 
sales slip or other evidence of indebtedness on your Account is incorporated into and 
made part of this Agreement. 

Application: The form with information that you submitted to apply for your Account, 
including your signature (in any form – wet signed, electronic, or digital), and any 
acceptance certificate or other request that you signed or otherwise submitted to obtain 
this Account. 

Billing Cycle: The time interval covered by a monthly statement. Each Billing Cycle is 
approximately 30 days in length. 

Card: Any branded Card we issue that you may use to purchase goods or services from 
Retailer. Use of your Card to obtain Credit will be considered use of the Account. 

Closing Date: The date of the last day of a Billing Cycle. 

Regular Balance: The total outstanding balance of all amounts other than Purchases 
and interest charges on Purchases. 

Retailer:  Participating Wayfair, LLC d\b\a Wayfair locations located in the U.S.

USING YOUR ACCOUNT  

Purchases. You may use your Account to purchase goods and services from Retailer. 
You promise to pay us and are liable for all amounts resulting from the authorized use of 
your Account Number or Account, plus any applicable interest charges and other 
applicable charges or fees, payable in U.S. dollars. 

Your Credit Limit. You may not use your Account in any way that would cause you to 
go over your Credit Limit. We may refuse to authorize or accept any transaction on your 
Account if (1) that transaction would cause you to exceed your Credit Limit or (2) your 
Account is delinquent. We may temporarily agree to allow you to exceed your Credit 
Limit. If we do so, in that case, you must repay the excess amount according to the terms 
of this Agreement. Any transactions honored in excess of your Credit Limit will not result 
in an increase of your Credit Limit.

MAKING PAYMENTS 

Monthly Statements. We will send a statement at the end of each monthly Billing Cycle 
if there is a debit or credit balance on your Account of $1 or more, a balance on which an 
interest charge has been imposed or as otherwise required by applicable law. You agree 
to pay us, or any party to whom we may transfer and assign your Account or the amounts 
owing under your Account, in U.S. dollars according to all terms and conditions of this 
Agreement. Payments made by a check, money order or other negotiable instrument 
must be in a form acceptable to us and drawn on a U.S. financial institution. 

Monthly Minimum Payment.  Your monthly minimum payment due will be the greater of: 

1.
2.

$15; or 
The sum of: 
a.

Covered Borrower: Certain members of the Armed Forces and their dependents who are 
protected by the Military Lending Act. 

b.

Each fixed monthly payment amount applicable to each of 
your Purchases (described below), plus 
5% of your Regular Balance.

Credit: The credit extension you receive under this Agreement. 

Credit Limit: The maximum amount of Credit available to you on your Account. Your 
Account Credit Limit will be disclosed to you on the monthly statements. 

New Balance: The total outstanding Account balance on the Closing Date specified in 
your monthly statement. 

Previous Balance: The balance of your Account at the beginning of a Billing Cycle. This 
will be the same as the “New Balance” shown on the previous monthly statement. 

Each Purchase will have a fixed monthly payment amount which we calculate when the 
Purchase is posted to your Account. We determine the fixed monthly payment amount for 
a Purchase by multiplying the Purchase amount by 5%, and then rounding the result to 
the nearest dollar. If the remaining balance of a Purchase plus accrued interest on that 
Purchase is less than the fixed monthly payment amount, we will reduce the fixed 
monthly payment amount for that Purchase accordingly. We will continue to include the 
fixed monthly payment amount for a Purchase in the monthly minimum payment due until 
the Purchase plus accrued interest on that Purchase is paid in full. 

Purchase: An extension of Credit to your Account for the purpose of purchasing goods or 
services from Retailer. 

If you make a payment in excess of the monthly minimum payment due for any month, it 
will not reduce the fixed monthly payment amount applicable to any Purchase that is 

Purchase Balance: The total outstanding balance of Purchases and interest charges, 
excluding amounts included in the Regular Balance. 

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used to calculate your monthly minimum payment due in subsequent months, but it may 
result in your paying off a Purchase more quickly. 

Your monthly minimum payment due also will
include the greater of (i) any past due 
amount, or (ii) any amount by which the New Balance exceeded your Credit Limit. Your 
monthly minimum payment due will never exceed your New Balance. 

Payments should be mailed with the payment coupon and in the envelope provided and 
following the other instructions on the monthly statement to Genesis FS Card Services, 
P.O. Box 84049, Columbus, Georgia 31908. Any payment we receive in that form and at 
that address on or before 5:00 P.M. Eastern Time on a normal banking day will be 
credited to your Account that day. If we receive your payment in that form and at that 
address after 5:00 P.M. Eastern Time on a normal banking day, or any time on a 
non-banking day, we will credit it to your Account the next banking day. Please allow at 
least seven (7) business days for postal delivery. Payments we receive at any other 
location or in any other form may not be credited as of the day we receive them. If we 
accept a payment at some other place, we may delay the crediting of the payment for up 
to five (5) days. This may cause you to incur Late Payment Fees and additional interest 
charges, and may result in your Account being declared in default. 

When you provide a check as payment, you authorize us either to use information from 
your check to make a one-time electronic fund transfer from your account or to process 
the payment as a check transaction. When we use information from your check to make 
an electronic fund transfer, funds may be withdrawn from your account as soon as the 
same day we receive your payment and you will not receive your check back from your 
financial institution. 

At any time, you may pay part or all you owe on your Account without incurring any 
additional charge for prepayment. The amount of any payment that exceeds your total 
New Balance will be applied as a credit to your Account, and any remaining credit 
balance will be refunded as required by law. 

Credit availability may be delayed at our sole discretion to ensure payment in good funds, 
and your total Credit Limit may not reflect your payments for up to 14 days. 

Application of Payments. For each Billing Cycle, we will allocate payment amounts up 
to your monthly minimum payment
to charges and principal due (including new 
transactions) in any way we determine. We will generally apply payment amounts up to 
your monthly minimum payment in a manner most favorable or convenient for us. 

For each Billing Cycle, to the extent your payments exceed your monthly minimum 
payment, we will apply these excess amounts in the order required by applicable law.

HOW INTEREST CHARGES ARE DETERMINED  

Your Interest Rate. We use a daily periodic rate to calculate the interest on your 
Account. The daily periodic rate is the applicable APR multiplied by 1/365. The daily 
periodic rate for your Account is 0.0956% and the applicable APR is 34.9%. 

When We Charge Interest. We charge interest on your Purchases from the date you 
make the Purchase until you pay the Purchase in full. 

How We Calculate Interest. We calculate interest separately for each balance segment 
on your Account. We do this by applying the daily periodic rate to your average daily 
balance (including new Purchases), and then multiplying the resulting number by the 
number of days in the Billing Cycle for each balance segment. An average daily balance 
is calculated for the following balance segments as applicable: Purchase Balance 
segments and the Regular Balance segment. 

We calculate interest for each balance segment as follows: 

1.

2.

For each day, we take the beginning balance of each balance segment in 
including any unpaid interest charges, add any new 
the Billing Cycle,
Purchases and debits, and then subtract
the applicable portion of any 
payments and credits. This gives us the daily balance. Late Payment Fees, 
Returned Payment Fees, and Documentation Fees are not included in the 
daily balance. 
Then, we add all the daily balances for the Billing Cycle together and divide 
the total by the number of days in the Billing Cycle. This gives us the 
average daily balance. 

3. Next, we multiply the daily periodic rate by the average daily balance. 
4.

Finally, we take the resulting number from #3 and multiply it by the number 
of days in the Billing Cycle. This gives us the interest charge for each 
balance segment for the Billing Cycle.

OTHER FEES 

In addition to interest charges, other fees may be applied to your Account, as set forth 
below. The amounts of these fees may change from time to time during the term of your 
Account. 

Late Payment Fee. If we do not receive your monthly minimum payment due by the 
Closing Date of the Billing Cycle in which the Payment Due Date occurs and the amount 
past due on your Account is more than $9.99, we will apply a Late Payment Fee to your 
Account. The Late Payment Fee is $29 if we did not charge a Late Payment Fee during 
any of the prior six billing periods. Otherwise, the Late Payment Fee is $40. The Late 
Payment Fee will never exceed the amount of your most recently required monthly 
minimum payment. 

Returned Payment Fee. If any payment on your Account is returned to us unpaid for 
any reason, we will apply a Returned Payment Fee to your Account. The Returned 
Payment Fee is $29 if we did not charge a Returned Payment Fee during any of the prior 
six billing periods. Otherwise, the Returned Payment Fee is $40. The Returned Payment 
Fee will never exceed the monthly minimum payment. 

Documentation Fee. You may request a copy of a monthly statement previously sent to 
you for a Documentation Fee of $3 per statement, which fee we will charge to your 
Account. Copies of sales tickets or other items posted to your Account may be obtained 
for a Documentation Fee of $10 per sales ticket or other item, which will be applied to 
your Account. Notwithstanding the foregoing, we will not impose any fee in connection 
with a good faith assertion of a billing error or other exercise of your Billing Rights (see 
below under “Your Billing Rights - Keep This Notice for Future Use”).

MILITARY LENDING ACT  

The Military Lending Act provides protections for Covered Borrowers. The 
provisions of this section apply to Covered Borrowers. If you would like more 
information about whether you are a Covered Borrower, you may contact us at 
1-866-502-6439. 

Statement of MAPR Federal
law provides important protections to members of the 
Armed Forces and their dependents relating to extensions of consumer credit. In general, 
the cost of consumer credit to a member of the Armed Forces and his or her dependent 
include, as 
may not exceed an Annual Percentage Rate of 36%. This rate must

applicable to the credit
transaction or account: (1) the costs associated with credit 
insurance premiums; (2) fees for ancillary products sold in connection with the credit 
transaction; (3) any application fee charged (other than certain application fees for 
specified credit transactions or accounts); and (4) any participation fee charged (other 
than certain participation fees for a credit card account). 

Oral Disclosures In order to hear important disclosures and payment information about 
this Agreement, you may call 1-866-875-5929. 

Applicability of Arbitration of Disputes Provision  

The Arbitration of Disputes Provision set forth in this Agreement does not apply to you if, 
as of the date of this Agreement, you are a Covered Borrower.

LOST ACCOUNT NUMBER AND UNAUTHORIZED USE  

If your Account Number is lost or stolen or used without your consent, you may be liable 
for the unauthorized use of your Account, but you will not be liable for unauthorized use 
that occurs after you notify us orally or in writing of the loss, theft or possible unauthorized 
use at: Genesis FS Card Services, P.O. Box 4477, Beaverton, OR 97076, 
1-888-260-4532. In any case, your liability will not exceed $50.

OUR RIGHTS, AND HOW THEY AFFECT YOU  

Telephone Monitoring and Recording; Communications. You consent and agree 
that, except as restricted by applicable law, we may monitor and/or record telephone 
calls regarding your Account, suppress caller identification services, use prerecorded 
messages, and use an automated telephone dialing and announcing system. You 
expressly consent that we and our agents, any servicer, or any subsequent owner of your 
Account may (i) contact you at any cellular telephone number that you provided as part of 
your application, at any number that you later provide (including, without limitation, after 
your Account is in a default status), or at any other number that is identified as related to 
you, including by text message, and (ii) use automated telephone dialing systems to 
initiate such contacts and/or leave recorded messages.  

If you provide us at any time with an email contact for your Account, you agree we may 
use that email address to contact you about your Account and may send you information 
about products and services related to your Account. 

We or our representatives may contact you from time to time regarding the Account, or to 
ask for additional information about you or your experience with us. You agree that such 
contacts are not unsolicited and may include contacts at your home or place of 
employment, during weekdays, weekends or holidays, on your mobile telephone, 
voicemail or answering machine, or by email, fax, recorded message, text message or 
personal visit. 

How to Revoke Consent for Future Communications: If you want to revoke your 
consent to future communications as described in the previous paragraph, you must 
send us a written notice that includes: (i) your name, mailing address, and Account 
number(s);
(ii) the specific telephone number(s), email address(es) and/or mailing 
address(es) at which you no longer wish us to contact you, and (iii) the types of 
communications (telephone, text, email, and/or mail) for which you are revoking consent.  
You must send this written notice to: Genesis FS Card Services, PO Box 4477, 
Beaverton, OR 97076. You understand and agree that it may take up to three business 
days after receipt of your written notice to process your request, and that you consent to 
continued communications during this period of time. 

Refunds. If Retailer agrees to give a refund, you will accept a credit on your Account 
instead of a cash refund. 

No Waiver of Rights; Disputed Amounts. We can accept late or partial payments 
without losing any of our rights under this Agreement. You agree not to send us 
partial payments marked “paid in full,” “without recourse,” or similar restrictive 
language. If you send such a payment, we may accept it without losing any of our 
rights under this Agreement. All written communications concerning disputed 
amounts, including any check or other payment instrument that indicated that the 
payment constitutes “payment in full” of the amount owed or that is tendered with 
other conditions or limitations or as full satisfaction of a disputed amount, must be 
mailed or delivered to Genesis FS Card Services, P.O. Box 4499, Beaverton, OR 
97076. 

Credit Reports and Information. You authorize us to make or have made any credit, 
employment, or other investigative inquiries we deem appropriate to extend you Credit or 
collect amounts owed to us on your Account. We (including any assignee of the Account 
or amounts owing under the Account) may also obtain information about you from credit 
reporting agencies or others at any time and use it for the purposes of monitoring your 
credit performance, managing your Account and considering you for new offers and 
programs. 

Notice of Inaccurate Information. If you believe that we have information about you 
that is inaccurate or that we have reported or may report to a credit reporting agency 
information about you that is inaccurate, please notify us of the specific information that 
you believe is inaccurate by writing to us at Genesis FS Card Services, P.O. Box 4499, 
Beaverton, OR 97076. 

Unless prohibited by applicable law, your Account

Default and Collection.
is 
considered to be in default if (1) you fail to make the required monthly minimum payment 
due on or before its payment due date, including if your payment is returned or cannot be 
processed and you do not correct that failure within 31 days, (2) you try to exceed or do 
exceed your Credit Limit without permission and do not bring your Account back under 
your Credit Limit within 31 days, (3) you become subject to bankruptcy or insolvency 
proceedings, (4) you become subject to attachment or garnishment proceedings, (5) you 
give us any false information or signature, (6) you die, or (7) you fail to comply with any 
portion of this Agreement. Our accepting a late or partial payment does not waive default. 
Default on this Account will constitute default on all accounts you hold with us. 

Subject to any notice of default and right to cure or other restrictions of applicable law, if 
you are in default, we may declare the entire balance due immediately. Except as 
provided in the Arbitration Provision below, you agree to pay our reasonable costs and 
attorneys’ fees and expenses related to the collection of your Account to the extent 
permitted by applicable laws. 

Change of Terms. Subject to the limitations of applicable law, we may, at any time, 
change or remove any of the terms and conditions of, or add new terms or 
conditions to, this Agreement. If required by applicable law, we will mail written 
notice of such a change to you in the manner required by such law. As of the 
effective date, the changed or new terms will apply to new Purchases and to the 
outstanding balance of your Account, subject to the limitations of applicable law.  

Delay in Enforcement. We can delay enforcing our rights under this Agreement without 
losing them.

OTHER PROVISIONS 

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Ownership and Use of Your Account. As the Accountholder(s), you are liable for all 
Credit obtained under your Account. If you authorize another person to use your Account 
Number, you are liable for any Credit obtained on your Account for as long as that 
person holds or uses the Account Number. Misuse of your Account by an authorized 
person will not be considered unauthorized use. See “Lost Account Number and 
Unauthorized Use” above. 

Transactions. You will retain for statement verification purposes your copy of each 
Purchase transaction receipt from Retailer. 

Refunds for Goods and Services. Refunds for goods and services are governed by 
Retailer. Any refunds for goods or services purchased from Retailer through an extension 
of Credit on your Account will be issued as a credit adjustment to your Account. When we 
are notified by Retailer of any refund amount, we will subtract an amount equal to the 
the fixed minimum payment amount 
refund amount
attributable to the related Purchase transaction amount will continue to be included in 
your monthly minimum payment. If a refund amount results in a credit balance on your 
Account, we will refund your credit balance. 

from your Account. However,

Transfer and Termination of Your Account. You may not transfer your Account to any 
other person. We may assign your Account or amounts you owe on your Account, to any 
other person at any time and the assignee will take our place under the Agreement with 
respect to all agreements and interests transferred. You must pay the assignee and 
otherwise perform your obligations under the assigned agreements and interests. Either 
you or we may terminate or suspend your Credit privileges at any time, with or without 
cause and with or without advance notice, but you will remain liable for all charges until 
they are paid in full. You may cancel your Account at any time by writing to us at Genesis 
FS Card Services, P.O. Box 4477, Beaverton, OR 97076. If you have a joint Account and 
want to remove one of the names from the Account, we must receive a written request 
signed by both of the Accountholders on the Account. No party is released from the 
obligation for the balance owing on a joint Account, unless we agree to the arrangements 
in writing. You may have to re-apply for an individual Account when you request a 
change from a joint Account to an individual Account. 

Additional Benefits and Services. From time to time, we may offer you benefits and 
services with your Account. We or another party may provide these benefits and 
services. Unless expressly made a part of this Agreement, and except as provided in the 
this 
Arbitration Provision below, any such benefits and services are not a part of
Agreement, and are subject only to the terms and conditions outlined in the benefits or 
services brochure and other official documents provided to you with respect
to the 
benefits and services. We may adjust, add, or delete benefits or services at any time in 
accordance with the brochures or documents you receive. Except as required by 
applicable law, we are not liable for benefits or services that other parties provide or for 
their actions or omissions. 

Honoring Your Account. We are not liable for the failure or refusal of Retailer to accept 
your Account Number. Although you may have Credit available, we will not be liable for 
the failure to authorize Credit due to operational difficulties or mistakes. Transactions 
made above a certain dollar amount may require that we authorize the transaction before 
the transaction is approved. In addition, we may limit the number and amount of daily 
transactions approved for security reasons. 

Change of Address, Employment and Telephone. We will send all written notices and 
statements to your address as it appears on our records. To avoid delays and missed 
payments that could affect your credit standing, you agree to promptly advise us if you 
change your mailing address, place of employment, or telephone number. 

Severability. In the event that any provision of this Agreement is determined to be invalid 
or unenforceable for any reason, the remaining provisions will remain in effect. 

Entire Agreement; Interpretation. This Agreement (including the other documents 
incorporated herein by reference as discussed above) constitutes the final expression of 
the credit agreement between you and us relating to your Account. The headings used in 
this Agreement are for the convenience of reference only and are not intended to define 
or describe the scope or intent of any portion of the Agreement. 

Governing Law. Except as expressly set forth in the Arbitration of Disputes Provision in 
the Agreement, this Agreement and the interpretation and enforcement thereof (including 
but not limited to the exportation of interest rates) will be governed by Federal law that 
applies to us and, to the extent not preempted by Federal law, the laws of the State of 
Utah, without regard to its conflicts of law provisions and principles. If there is any conflict 
between any of the terms and conditions of the Agreement and applicable Federal or 
State law, this Agreement will be considered changed to the extent necessary to comply 
with the applicable law. 

Arbitration of Disputes Provision. PLEASE READ THIS ARBITRATION OF 
DISPUTES PROVISION CAREFULLY. UNLESS YOU SEND US THE REJECTION 
NOTICE DESCRIBED BELOW, THIS PROVISION WILL APPLY TO YOUR ACCOUNT, 
AND MOST DISPUTES BETWEEN YOU, ON THE ONE HAND, AND US OR ANY 
SERVICER OF YOUR ACCOUNT, INCLUDING, BUT NOT LIMITED TO, GENESIS FS 
CARD SERVICES, INC. (“GENESIS”), ON THE OTHER HAND, WILL BE SUBJECT TO 
INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A 
JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO 
PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING;
(3) LESS 
INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED. 
THIS ARBITRATION OF DISPUTES PROVISION DOES NOT APPLY TO YOU IF, AS 
OF THE DATE OF THIS AGREEMENT, YOU ARE A MEMBER OF THE ARMED 
FORCES OR A DEPENDENT OF SUCH MEMBER ENTITLED TO PROTECTION 
UNDER THE FEDERAL MILITARY LENDING ACT. PLEASE SEE THE SECTION OF 
THIS AGREEMENT LABELED “MILITARY LENDING ACT.” IF YOU WOULD LIKE 
MORE INFORMATION ABOUT WHETHER YOU ARE ENTITLED TO PROTECTION 
UNDER THE FEDERAL MILITARY LENDING ACT, YOU MAY CONTACT US AT 
1-866-502-6439. 

This provision replaces any existing arbitration provision with us and will stay in force no 
matter what happens to your Account, including the closing of your Account. Except as 
expressly provided below, you must arbitrate individually, by binding arbitration under the 
Federal Arbitration Act (“FAA”), any dispute or claim between you, on the one hand, and 
us , our affiliates, and agents, and/or any servicer of your Account, including, but not 
limited to, Genesis, on the other hand, if the dispute or claim arises out of or is related to 
(a) this Agreement (including without
limitation, any dispute over the validity of this 
Agreement to arbitrate disputes or of this entire Agreement), or (b) your Account, or (c) 
any relationship resulting from this Agreement, or (d) any insurance or other service 
related to your Account, or (e) any other agreement related to your Account (including 
prior agreements) or any such service, or (f) breach of this Agreement or any other such 
agreement, whether based on statute, contract,
theory (any 
“Claim”). However, we will not require you to arbitrate any individual Claims in small 
claims court or your state’s equivalent court, so long as it remains an individual case in 

tort or any other legal

that court. 

INCLUDING, BUT NOT LIMITED TO, GENESIS,

YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE 
ATTORNEY GENERAL ACTION AGAINST US OR ANY SERVICER OF YOUR 
ACCOUNT,
IN COURT OR 
ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS AGAINST US OR ANY 
SERVICER OF YOUR ACCOUNT, INCLUDING, BUT NOT LIMITED TO GENESIS, ON 
BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT A JOINT ACCOUNTHOLDER 
WITH YOU (AN “UNRELATED ACCOUNTHOLDER”), AND YOU AGREE THAT NO 
UNRELATED ACCOUNTHOLDER MAY BRING ANY CLAIMS AGAINST US OR ANY 
SERVICER OF YOUR ACCOUNT, INCLUDING, BUT NOT LIMITED TO, GENESIS, ON 
YOUR BEHALF. CLAIMS BY YOU AND AN UNRELATED ACCOUNTHOLDER MAY 
NOT BE JOINED IN A SINGLE ARBITRATION. THE ARBITRATOR WILL NOT HAVE 
THE POWER TO CONSIDER SUCH CLASS, REPRESENTATIVE OR PRIVATE 
ATTORNEY GENERAL ACTIONS OR ANY SUCH CLAIMS YOU BRING ON BEHALF 
OF AN UNRELATED ACCOUNTHOLDER. 

Judgment on the arbitration award may be entered in any court having jurisdiction. Any 
dispute regarding whether a particular controversy is subject
to arbitration, or the 
applicability or enforceability of the foregoing paragraph, will be decided by a court and 
not by an arbitrator. 

If you or we or any servicer of your Account, including, but not limited to, Genesis, elect to 
arbitrate a claim, the electing party must notify the other party in writing. The notice can 
be given after the beginning of a lawsuit and can be given in papers filed in the lawsuit. 
Otherwise, your notice must be sent to Genesis FS Card Services, Inc., Attn: Arbitration 
Demand, P.O. Box 4477, Beaverton, Oregon 97076, and our notice must be sent to the 
most recent address for you in our files. The arbitration will be administered by the 
American Arbitration Association (the “AAA”) under its rules in effect at the time an 
arbitration is commenced that are applicable to the resolution of consumer disputes (the 
“Arbitration Rules”). We will tell you how to contact the AAA and how to get a copy of the 
Arbitration Rules without cost if you ask us in writing to do so. The Arbitration Rules 
permit you to request deferral or reduction of the administrative fees of arbitration if 
paying them would cause you a hardship. In addition, if you ask us in writing, we will 
consider your request to pay any or all of your costs of arbitration. 

Each arbitrator shall be a licensed attorney who has been engaged in the private practice 
of law continuously during the ten years immediately preceding the arbitration or a retired 
judge of a court of general or appellate jurisdiction. The arbitration award shall award 
only such relief as a court of competent
jurisdiction could properly award under 
applicable law, including attorneys’ fees if allowed by applicable law or agreement. All 
statutes of limitation, defenses, and attorney-client and other privileges that would apply 
in a court proceeding will apply in the arbitration. 

If any provision of this Section regarding arbitration of disputes shall be deemed to be 
unenforceable, the remainder of this Section shall be given full force and effect. However, 
if the provision precluding class, representative or private attorney general Claims in 
arbitration is deemed unenforceable, then this entire Arbitration Agreement shall be void 
and of no force and effect. 

You may reject this provision, in which case only a court may be used to resolve any 
dispute or claim. Rejection will not affect any other aspect of the Agreement. To reject 
this Provision, you must send us a notice within sixty (60) days after you open your 
Account or we first provide you with a right to reject this Provision. This notice must 
include your name, address and Account Number and be mailed to Genesis FS Card 
Services, Inc., Attn: Arbitration Provision, P.O. Box 4477, Beaverton, Oregon 97076. This 
is the only way you can reject this Provision.

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE  

This notice tells you about your rights and our responsibilities under the Fair Credit Billing 
Act. 

What To Do If You Find A Mistake On Your Statement  

If you think there is an error on your statement, please write to us at: Genesis FS Card 
Services, P.O. Box 4499, Beaverton, OR 97076. 

In your letter, give us the following information: 

Account information: Your name and Account Number. 
Dollar amount: The dollar amount of the suspected error. 
Description of problem: If you think there is an error on your bill, describe 
what you believe is wrong and why you believe it is a mistake. 

You must contact us: 

• Within 60 days after the error appeared on your statement. 
•

At least three (3) business days before an automated payment is scheduled, 
if you want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are 
not required to investigate any potential errors, and you may have to pay the amount in 
question. 

What Will Happen After We Receive Your Letter  

When we receive your letter, we must do two things:  

1. Within 30 days of receiving your letter, we must tell you that we received 

your letter. We will also tell you if we have already corrected the error. 

2. Within 90 days of receiving your letter, we must either correct the error or 

explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error:  

• We cannot try to collect the amount in question, or report you as delinquent 

on that amount. 
The charge in question may remain on your statement, and we may continue 
to charge you interest on that amount. 

• While you do not have to pay the amount in question, you are responsible for 

the remainder of your balance. 

• We can apply any unpaid amount against your credit line. 
After we finish our investigation, one of two things will happen:  

If we made a mistake: You will not have to pay the amount in question or any 
interest or other fees related to that amount. 
If we do not believe there was a mistake: You will have to pay the amount in 
question, along with applicable interest and fees. We will then send you a 
statement of the amount you owe and the date payment is due. We may 
then report you as delinquent if you do not pay the amount we think you 
owe. 

•
•
•

•

•

•

If you receive our explanation but still believe your bill is wrong, you must write to us 
within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 
delinquent without also reporting that you are questioning your bill. We must tell you the 
those 
name of anyone to whom we reported you as delinquent, and we must

let

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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 Account Purchases  

If you are dissatisfied with the goods or services that you have purchased with your 
Account, and you have tried in good faith to correct the problem with the merchant, you 
may have the right not to pay the remaining amount due on the purchase. 

To use this right, all of the following must be true: 

1.

2.

3.

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.) 
You must have used your Account for the Purchase. Purchases made with 
cash advances from an ATM or with a check that accesses your Account do 
not qualify. 
You must not yet have fully paid for the Purchase. 

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact 
us in writing at: Genesis FS Card Services, P.O. Box 4499, Beaverton, OR 97076. 

While we investigate, the same rules apply to the disputed amount as discussed above. 
After we finish our investigation, we will tell you our decision. At that point, if we think you 
owe an amount and you do not pay, we may report you as delinquent.

Your Genesis Credit Account is issued by: 

First Electronic Bank

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