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Milestone™ Gold MasterCard® Cardholder Agreement

F03-M986-8

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

CARDHOLDER AGREEMENT

This  Agreement  contains  the  terms  that  govern  the  use  of  your  Milestone™  Gold  MasterCard®
Account and outlines both your responsibilities and ours. Please read it in its entirety and keep it
for your reference. In addition, any written application, acceptance certificate or other request you
signed or otherwise submitted for this Account (the “Application”), your Card and the Card Carrier
that we send with your Card, and your signature (including any electronic or digital signature) on
any  Application,  sales  slip  or  other  evidence  of  indebtedness  on  your  Account,  are  hereby
incorporated into and made a part of this Agreement. This Agreement begins on the earlier of (i)
the date you sign or otherwise submit an Application that is approved by us, or (ii) the first date
that  we  extend  credit  to  you  on  your  Account,  as  evidenced  by  a  signed  sales  slip  or
memorandum, a Cash Advance transaction, or otherwise.

Definitions
To simplify this Agreement for you, the definitions listed below will apply throughout, both in this
Agreement and in your monthly Statements. In addition, the words you, your, and yours refer to
the  Cardholder(s)  who  holds  the  Card  and  is  responsible  for  the  Account,  each  of  whom  is
individually and jointly obligated under this Agreement. The words we, us, and our refer to Mid
America Bank & Trust Company, Dixon, Missouri.
Account: The credit card account for which you were issued a Card imprinted with your Account
number and that is subject to all of the terms and conditions of this Agreement.
ATM: Automated Teller Machine.
Authorized User: Person who may use the Card but is not responsible for the repayment of the
Account. Person must be at least 16 years of age.
Billing  Cycle:  The  time  interval  covered  by  a  monthly  Statement.  Each  Billing  Cycle  is
approximately 30 days in length; however, the specific period of time is described on each monthly
Statement. Your Account will have a Billing Cycle even if a Statement is not required.
Card: Any Milestone Gold MasterCard issued by us that you may use to obtain a Cash Advance,
make Purchases, or lease goods or services on credit. Use of your Account number to obtain
credit will be considered a use of the Card.
Card Carrier: The carrier that contains your Card.
Cardholder: The person to whom a Card is issued, or who has agreed to pay obligations arising
from a Card issued to another person.
Cash Advance: Credit extended to you in the form of a cash loan through any financial institution
honoring the Card either presented directly or through any other credit instrument, check, device,
overdraft coverage plan or ATM that we make available to you or that you use. All cash equivalent
transactions will be treated as Cash Advances and will be billed to the Cash Advance segment of
your  Account.  Transactions  that  we  view  as  “cash  equivalent  transactions”  include  without
limitation using your Card to purchase wire transfer money orders, bets, lottery tickets, casino
gaming chips, and other similar products and services.
Closing Date: The date of the last day of a Billing Cycle.
Credit Line: The maximum amount of credit available to you on your Account. Your Credit Line will
be disclosed on your Card Carrier and your monthly Statements.
Purchase: Any extension of credit to your Account for the purpose of purchasing or leasing goods
or services from participating establishments.
Statement: A monthly document we provide to you showing Account information including, among
other things, Purchase and Cash Advance transactions, credits and debits, payments, fees, and
interest charges made to your Account during a Billing Cycle.

Purchases and Cash Advances
You may use your Card to purchase or lease goods or services from participating establishments.
You  may  also  use  your  Card  to  obtain  Cash  Advances  from  your  Account  at  an  ATM,  or  by
presenting it to any institution that accepts the Card for that purpose. There are dollar limitations
on individual Cash Advance transactions, and we may set a Cash Advance Line for your Account.
Please contact us for information about the Cash Advance limitations that apply to your Account.
In addition, we may limit your Account to only one Cash Advance transaction per day.
You promise to pay us and are liable for all amounts resulting from the authorized use of your Card
or Account, plus any applicable interest charges and other applicable charges or fees, payable in
U.S. dollars. This includes amounts where you did not sign a purchase slip or other documents for
the transaction. If you use your Account number without presenting your actual Card, such as for
mail, telephone, or internet purchases, this will be treated the same way as if you presented your
Card. Your promise to pay us will apply to your estate if you die.
We  may  limit  and  restrict  the  use  of  the  Account/Card  at  our  discretion.  Such  limitations  and
restrictions include, but are not limited to, gambling transactions, which include, but are not limited
to,  internet-related  lottery  tickets,  casino  gambling  chips,  off-track  betting  and  wagers  at
racetracks. You remain responsible for use of your Account/Card in any such transactions.
The Card may only be used for valid and lawful purposes. If you use, or you authorize someone
else to use, the Card or Account for an unlawful or impermissible purpose, you will be responsible
for such use and may be required to reimburse us or MasterCard for any amounts or expenses we
or they incur as a result of such use.
The Card is and remains our property, and you will surrender it to us at any time upon request.

Your Credit Line
You may not use your Account in any way that would cause you to go over your Credit Line. We
may refuse to authorize or accept any transaction on your Account that would cause you to exceed
your Credit Line, even if you have authorized us to charge you an Overlimit Fee for doing so. We
may temporarily agree to allow you to exceed your Credit Limit; however, in that case you must
repay the excess amount according to the terms of this Agreement. Any transactions honored in
excess of your Credit Line will not result in an increase of your Credit Line. We may at any time
and without prior notice to you increase or decrease your Credit Line, limit the Credit Line for Cash
Advances or take away your ability to obtain Cash Advances.

MAKING PAYMENTS

Monthly Statements
We  will  send  a  Statement  at  the  end  of  each  monthly  Billing  Cycle  if  there  is  a  debit  or  credit
balance on your account of $1 or more, a balance on which an interest charge has been imposed,
or as otherwise required by applicable law. You agree to pay us, or any party to whom we may
transfer  and  assign  your  Account  or  the  amounts  owing  under  your  Account,  in  U.S.  dollars
according to all terms and conditions of this Agreement. Payments made by a check, money order
or other negotiable instrument must be in a form acceptable to us and drawn on a U.S. financial
institution.

Monthly Minimum Payment
The Monthly Minimum Payment is 7% of your New Balance or $35, whichever is greater. If you
elect not to pay your New Balance in full, you must pay at least the Monthly Minimum Payment by
the Payment Due Date shown on your Statement, which is at least 25 days after the Closing Date
of the Billing Cycle. Your Monthly Minimum Payment also will include any past due amount or any
amount by which the New Balance exceeds your Credit Line, whichever is greater. If your New
Balance is less than or equal to your Monthly Minimum Payment, then your Monthly Minimum
Payment will be equal to your New Balance.
Payments should be mailed with the payment coupon and in the envelope provided and following
the other instructions on the Statement to Bankcard Services, P.O. Box 84059, Columbus, GA,
31908-4059.  Any  payment  received  in  that  form  and  at  that  address  on  or  before  5:00  P.M.,
Eastern Time, on a normal banking day will be credited to your Account that day. If your payment
is received in that form and at that address after 5:00 P.M., Eastern Time, on a normal banking day,
or any time on a non-banking day, we will credit it to your Account the next banking day. However,
if your Payment Due Date occurs on a non-banking day, any payment received the next day which
conforms to the above requirements will not be treated as late. Please allow at least seven (7)
business days for postal delivery. Payments received by us at any other location or in any other
form may not be credited as of the day we receive them.
If we accept a payment at a place other than the address in the immediately preceding paragraph,
we may delay the crediting of the payment for up to five (5) days. This may cause you to incur
Late Payment Fees and additional interest charges, and may result in your Account being declared
in default.
We do not accept cash payments through the mail. You may not make payments with funds from
your Account or any other credit account issued by us.
When you provide a check as payment, you authorize us either to use information from your check
to make a one-time electronic fund transfer from your account or to process the payment as a
check transaction. When we use information from your check to make an electronic fund transfer,
funds may be withdrawn from your account as soon as the same day we receive your payment
and you will not receive your check back from your financial institution.
At any time, you may pay part or all of the full amount you owe without incurring any additional
charge for prepayment. The amount of any payment that exceeds your total New Balance will be
applied as a credit to your Account, and any remaining credit balance will be refunded as required
by law.
Credit availability may be delayed at our sole discretion to ensure payment in good funds. Your
available credit on your Credit Line may not reflect your payments for up to 14 days.

Application of Payments
For  each  Billing  Cycle,  payments  up  to  the  amount  of  your  Monthly  Minimum  Payment  will  be
allocated  in  any  way  we  determine,  including  to  balances  with  lower  Annual  Percentage  Rates
before balances with higher Annual Percentage Rates. We will generally apply payments up to the
amount of your Monthly Minimum Payment in a manner most favorable or convenient for us. 
For each Billing Cycle, to the extent your payments exceed your Monthly Minimum Payment, we
will apply these excess amounts in the order required by applicable law.

HOW INTEREST CHARGES ARE DETERMINED

Your interest charge for any Billing Cycle will include the following components, the total of which
constitutes your total interest charge for the Billing Cycle:
1. A Cash Advance Transaction Fee interest charge imposed on each Cash Advance transaction
posted during a Billing Cycle, in an amount equal to the greater of $5 or 5% of the amount of
each Cash Advance. Any unpaid Cash Advance Transaction Fee interest charges will be added
to the calculation of your Average Daily Balance of Cash Advances.

2. Periodic interest charge computed by applying the applicable Monthly Periodic Rate or Rates,
determined as provided below under Computing the Purchase and Cash Advance Balance
Monthly Periodic Rates and Corresponding Annual Percentage Rates (APR) to:
a. your Average Daily Balance of Cash Advances (including new Cash Advances); and
b. your Average Daily Balance of Purchases (including new Purchases).
However, if the total of the amounts so computed is an amount less than $.50, then a minimum
interest charge of $.50 will be imposed instead of such smaller amounts and will be treated as
an interest charge on Purchases.

3. A Foreign Currency Conversion Fee interest charge in an amount equal to 1% of the converted
U.S.  dollar  amount  of  each  transaction,  including  Cash  Advances  and  Purchases,  that  is
effected in any currency other than U.S. dollars. 

When Interest Charges Begin to Accrue
Interest charges on Purchases will be imposed at the applicable Monthly Periodic Rate from the
date  each  Purchase  is  made,  and  will  continue  to  accrue  on  unpaid  balances  as  long  as  they
remain unpaid. However, we do not assess interest charges in the following circumstances:
1.

If you paid the New Balance at the beginning of your previous Billing Cycle by the Payment Due
Date during the previous Billing Cycle, or if that New Balance was $0 or a credit balance, then:
a. if you pay the New Balance on your current Statement in full by the Payment Due Date in
your current Billing Cycle, we will not assess interest charges on Purchases during your
current Billing Cycle; and

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

2.

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

Periodic interest charges on Cash Advances will be imposed at the applicable Monthly Periodic
Rate from the date each Cash Advance is made and will continue to accrue on unpaid balances as
long as they remain unpaid. There is no grace period on Cash Advances and there is no period
within which to pay to avoid interest charges on Cash Advances.

Calculating the Purchase and Cash Advance Balance Subject to Interest Charges
Average  Daily  Balance  of  Purchases  (including  new  Purchases): To  get  the  Average  Daily
Balance  of  Purchases,  we  take  the  beginning  Purchase  balance  of  your  Account  each  day,
including  unpaid  interest  charges  on  Purchases  and  Foreign  Currency  Conversion  Fee  interest
charges on Purchases, add any new Purchases as of the date of transaction, and subtract the
applicable portion of any payments and credits as of the transaction date. This gives us the daily
balance for Purchases. Then we add all these daily balances for the Billing Cycle together and
divide the total by the number of days in the Billing Cycle. This gives us the Average Daily Balance
of Purchases.
Average Daily Balance of Cash Advances (including new Cash Advances): To get the Average
Daily Balance of Cash Advances, we take the beginning Cash Advance balance of your Account
each day, including unpaid interest charges on Cash Advances and Foreign Currency Conversion
Fee interest charges on Cash Advances, add any new Cash Advances as of the date of transaction,
add the Cash Advance Transaction Fee interest charge on any Cash Advances as of the transaction
date of each Cash Advance, and subtract the applicable portion of any payments and credits as of
the transaction date. This gives us the daily balance for Cash Advances. Then we add all these
daily balances for the Billing Cycle together and divide the total by the number of days in the Billing
Cycle. This gives us the Average Daily Balance of Cash Advances.

Computing  the  Purchase  and  Cash  Advance  Balance  Monthly  Periodic  Rates  and
Corresponding Annual Percentage Rates (APR)
Monthly Periodic Rates: The Monthly Periodic Rate is calculated by dividing the APR by 12. The
Purchase and Cash Advance APR is 23.9% and the Monthly Periodic Rate for Purchases and Cash
Advances is 1.9916%.

OTHER FEES

In addition to interest charges, a variety of fees may be applied to your Account, as set forth below.

Annual Fee
We will charge an initial Annual Fee of $75 to your Account on or about the date your Account is
opened and then a renewal Annual Fee of $99 on or about each anniversary of that date. The initial
Annual Fee is nonrefundable; the renewal Annual Fee is also nonrefundable unless you notify us to
cancel  your  Account  within  30  days  from  the  mailing  date  of  the  billing  Statement  or  other
communication containing the renewal Annual Fee notice. 

Authorized User Fee
If  you  ask  us  and  we  agree  to  add  an  Authorized  User  to  your  Account,  we  will  charge  an
Authorized User Fee of $25 to your Account at the time such Authorized User is added.

Late Payment Fee
If we do not receive your Monthly Minimum Payment by the Closing Date of the Billing Cycle in
which the Payment Due Date occurs and the amount past due on your Account is more than $5,
we will charge a Late Payment Fee to your Account. The Late Payment Fee is $25 if you were not
charged a Late Payment Fee during any of the prior six Billing Cycles. Otherwise, the Late Payment
Fee is $35. The Late Payment Fee will never exceed the amount of your most recently required
Monthly Minimum Payment.

Minimum Interest Charge Fee
If the periodic interest charge amounts computed in the How Interest Charges Are Determined
section are an amount less than $.50, then a Minimum Interest Charge Fee of $.50 will be charged
instead of such smaller amounts and will be treated as a fee on your billing statement and added
to your Purchases at our discretion.

Returned Payment Fee
If any payment on your Account is returned to us unpaid for any reason, we will charge a Returned
Payment  Fee  to  your  Account.  The  Returned  Payment  Fee  is  $25  if  you  were  not  charged  a
Returned Payment Fee during any of the prior six Billing Cycles. Otherwise, the Returned Payment
Fee is $35. The Returned Payment Fee will never exceed the amount of your most recently required
Monthly Minimum Payment.

Overlimit Fee
If  you  elected  to  have  overlimit  coverage,  we  may  charge  an  Overlimit  Fee  when  a  transaction
causes  you  to  go  over  or  remain  over  your  Credit  Line  during  any  Billing  Cycle.  We  may  also
charge you two additional Overlimit Fees if your New Balance remains over your Credit Line as of
the Payment Due Date in future Billing Cycles. We will only charge you one Overlimit Fee per Billing
Cycle, even if you go over your Credit Line multiple times in the same Billing Cycle. The Overlimit
Fee  is  $25  if  you  were  not  charged  an  Overlimit  Fee  during  any  of  the  prior  six  Billing  Cycles.
Otherwise, the Overlimit Fee is $35. The Overlimit Fee will never exceed the maximum amount you
are over your Credit Line during the Billing Cycle.

Priority Processing Fee
If you elect to have expedited delivery of your Card, we will charge a Priority Processing Fee of $25
to your Account.

Documentation Fee
You may request a copy of a Statement previously sent to you for a Documentation Fee of $3 per
Statement, which will be applied to your Account. Copies of sales tickets or other items posted to
your Account may be obtained for a Documentation Fee of $10 per sales ticket or other item, which
will  be  applied  to  your  Account.  Notwithstanding  the  foregoing,  we  will  not  impose  any  fee  in
connection with a good faith assertion of a billing error or other exercise of your Billing Rights (see
below under “Your Billing Rights - Keep This Notice for Future Use”).

LOST CARDS AND UNAUTHORIZED USE

You will take reasonable steps to prevent the unauthorized use of your Card and Account. If your
Card is lost or stolen or if someone else might be using it without your permission, you must tell
us at once. You may tell us by calling the telephone number on the back of your Card or on your
Statement or by writing us at the address on your Statement. You will not be responsible for the
charges  made  to  your  Account  that  are  found  by  us  to  be  unauthorized.  If  we  reimburse  your
Account for unauthorized charges made using your Card or Account, you will help us investigate,
pursue, and get reimbursement from the wrongdoer. Your help includes giving us documents that
we ask for and are acceptable to us.

OUR RIGHTS, AND HOW THEY AFFECT YOU

Telephone Monitoring and Recording; Communications 
You  consent  and  agree  that,  except  as  restricted  by  applicable  law,  we  may  monitor  or  record
telephone  calls  regarding  your  Account,  suppress  caller  identification  services  and  use  an
automated dialing and announcing system. If you provide us with a cellular phone number either
as  part  of  your  application,  or  at  any  time  thereafter,  including,  without  limitation,  after  your
Account is in a default status, you are expressly consenting that we and our agents may (i) contact
you at that number including by text message, and (ii) use automated telephone dialing systems
to initiate such contacts and/or leave recorded messages.
If you provide us at any time with an email contact for your Account, you agree we may use that
email address to contact you about your Account and may send you information about products
and services related to your Account.
We or our representatives may contact you from time to time regarding the Account, or to ask for
additional information about you or your experience with us. You agree that such contacts are not
unsolicited and may include contacts at your home or place of employment, during weekdays,
weekends or holidays, on your mobile telephone, voicemail or answering machine, or by email,
fax, recorded message, text message or personal visit.

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Merchant Refunds
If  a  merchant  agrees  to  give  you  a  refund  for  goods  or  services  purchased  with  your  Card  or
Account, you will accept a credit on your Account instead of a cash refund. We do not control
when  a  merchant  sends  us  your  refund  and  we  will  have  reasonable  amount  of  time  after  we
receive your refund to process it.

No Waiver of Rights; Disputed Amounts
We can accept late or partial payments without losing any of our rights under this Agreement.
You agree not to send us partial payments marked “paid in full,” “without recourse,” or similar
language. If you send such a payment, we may accept it without losing any of our rights under
this  Agreement.  All  written  communications  concerning  disputed  amounts,  including  any
check or other payment instrument that indicated that the payment constitutes “payment in
full”  of  the  amount  owed  or  that  is  tendered  with  other  conditions  or  limitations  or  as  full
satisfaction of a disputed amount, must be mailed or delivered to Bankcard Services, P.O. Box
4499, Beaverton, OR 97076.

Credit Reports and Information
You authorize us to make or have made any credit, employment, or other investigative inquiries we
deem  appropriate  to  extend  you  credit  or  collect  amounts  owed  to  us  on  your  Account.  We
(including any assignee of the Account or amounts owing under the Account) may also obtain
information  about  you  from  credit  reporting  agencies  or  others  at  any  time  and  use  it  for  the
purposes of monitoring your credit performance, managing your Account and considering you for
new offers and programs.

Notice of Inaccurate Information
If you believe that we have information about you that is inaccurate or that we have reported or
may report to a credit reporting agency information about you that is inaccurate, please notify us
of the specific information that you believe is inaccurate by writing to us at Bankcard Services, P.O.
Box 4499, Beaverton, OR 97076.

Default and Collection
Unless prohibited by applicable law, your Account is considered to be in default if (1) you fail to
make the required Monthly Minimum Payment on or before the Payment Due Date, including if your
payment is returned or cannot be processed and you do not correct that failure within 31 days, (2)
you try to exceed or do exceed your Credit Line without permission and do not bring your Account
back under your Credit Line within 31 days, (3) you become subject to bankruptcy or insolvency
proceedings, (4) you become subject to attachment or garnishment proceedings, (5) you give us
any false information or signature, (6) you die, or (7) you fail to comply with any portion of this
Agreement. Our accepting a late or partial payment does not waive default. Default on this Account
will constitute default on all accounts you hold with us. Subject to any notice of default and right
to  cure  or  other  restrictions  of  applicable  law,  if  you  are  in  default,  we  may  declare  the  entire
balance due immediately. You agree to pay our reasonable costs and attorneys’ fees and expenses
related  to  the  collection  of  your  Account,  and  retrieving  your  Card,  to  the  extent  permitted  by
applicable laws.

Change of Terms
Subject to the limitations of applicable law, we may, at any time, change or remove any of the
terms and conditions of, or add new terms or conditions to, this Agreement. If required by
applicable law, we will mail written notice of such a change to you in the manner required by
such law. As of the effective date, the changed or new terms will apply to new Purchases and
Cash Advances and also to the outstanding balance of your Account, subject to the limitations
of applicable law.

Delay in Enforcement
We can delay enforcing our rights under this Agreement without losing them.

OTHER PROVISIONS

Ownership and Use of Your Card
As  the  Cardholder(s),  you  are  liable  for  all  credit  obtained  under  your  Account.  If  you  or  an
Authorized User authorizes another person to use your Card, you are liable for any credit obtained
on your Account for as long as that person holds the Card. In addition, you will remain liable until
you  recover  possession  of  the  Card.  Misuse  of  your  Card  by  an  authorized  person  will  not  be
considered unauthorized use. See “Lost Cards and Unauthorized Use” above. Upon demand, you
must immediately return any Card we supply to you or destroy the Card by cutting it in half.

Authorized Users
You may ask us to add an Authorized User to your Account. If we agree to your request, we will
issue a Card to the Authorized User. Once we add an Authorized User to your Account, we will
charge  you  an  Authorized  User  Fee  as  described  above  in  the  “Other  Fees”  section.  We  may
discuss your Account with an Authorized User and provide them with Account information. You
will be responsible for the Authorized User’s use of the Card and Account as well as anyone else
they allow to use your Card or Account. This will be true even if you did not want, or agree to, the
use.

Removing an Authorized User
If you want to remove an Authorized User from your Account, you must contact us and request
their removal. We will have a reasonable amount of time after we receive your request to remove
them. You also must immediately destroy all Cards in their possession and cancel all of their billing
arrangements  to  the  Account.  We  will  not  do  this  for  you.  During  this  time,  you  still  will  be
responsible for all amounts they, or another person they authorize to use the Card, charge to the
Account. You will be responsible even if these amounts do not appear on your Account until later.
An Authorized User may remove themselves from the Account upon their request.

Transactions
You will retain for Statement verification your copy of each Purchase slip, Cash Advance or other
transaction to your Account.

Transfer of Your Account
You may not transfer your Account to any other person. We may assign your Account or amounts
owing under your Account to any other person at any time and the assignee will take our place
under the Agreement with respect to all agreements and interests transferred. You must pay the
assignee and otherwise perform your obligations under the assigned agreements and interests. 

Closing or Suspending Your Account
We may close or suspend your Account or your ability to obtain credit on your Account, or both,
at any time, for any reason permitted by law and with or without advance notice. 
You may close your Account at any time by contacting us. The closure of Account will not become
effective  until  you  have  returned  to  us  all  of  the  Cards  we  have  given  you.  If  you  have  a  joint
Account  and  want  to  remove  one  of  the  names  from  the  Account,  we  must  receive  a  written
request signed by both of the Cardholders on the Account and all Cards must be returned upon
request. No party is released from the obligation for the balance owing on a joint Account, unless
we agree to the arrangements in writing. You may have to reapply for a new Card for an individual
Account when you request a change from a joint Account to an individual Account.
If your Account is closed or suspended for any reason, you must stop using your Card. You must
also cancel all billing arrangements to the Account. We will not do this for you. If we close or
permanently suspend your Account, you must also return all Cards to us. You must still pay us all
amounts  you  owe  on  the  Account,  even  if  they  are  charged  after  your  Account  is  closed  or
suspended.

Additional Benefits and Services
From time to time, we may offer you benefits and services with your Account. These benefits and
services may be provided by us or third parties. Unless expressly made a part of this Agreement,
and except as provided in the Arbitration of Disputes section below, any such benefits and services
are not a part of this Agreement, and are subject only to the terms and conditions outlined in the
benefits or services brochure and other official documents provided to you with respect to the
benefits and services. We may adjust, add, or delete benefits or services at any time in accordance
with the brochures or documents you receive. Except as required by applicable law, we are not
liable for benefits or services provided by third parties or the actions or omissions of those third
parties.

Foreign Currency Conversion
Payment must be made in U.S. Dollars for charges you incur in any other currency. If you effect a
transaction  with  your  Card  in  a  currency  other  than  U.S.  Dollars,  MasterCard  International
Incorporated (“MasterCard”) will convert the charge into a U.S. Dollar amount. MasterCard will act
in accordance with its operating regulations or conversion procedures in effect at the time that the
transaction is processed. Currently the currency conversion rate used by MasterCard to determine
the  transaction  amount  in  U.S.  Dollars  for  such  transactions  is  generally  either  a  government
mandated rate or a wholesale rate determined by MasterCard for the processing cycle in which the
transaction is processed. The currency conversion rate used by MasterCard on the processing
date  may  differ  from  the  rate  that  would  have  been  used  on  the  Purchase  date  or  monthly
Statement posting date. We will also assess a Foreign Currency Conversion Fee interest charge as
described in the “How Interest Charges are Determined” section.

Honoring Your Card
We are not responsible if anyone refuses to accept your Card or Account for any reason. Although
you may have credit available, we may decline any transaction for any reason. We are not liable
for any refusal to honor your Card or Account. 
From  time  to  time,  due  to  circumstances  beyond  our  control  (such  as  system  failures,  natural
disasters, or other unpredictable events), our services may not be available. When this happens,
you may be unable to use your Card or obtain information about your Account. We will not be
responsible or liable if this happens.

Change of Address, Employment and Telephone
We will send all written notices and Statements to your address as it appears on our records. To
avoid delays and missed payments that could affect your credit standing, you agree to promptly
advise us if you change your mailing address, place of employment, or telephone number.

Severability
In the event that any provision of this Agreement is determined to be invalid or unenforceable for
any reason, the remaining provisions will remain in effect.

Entire Agreement; Interpretation
This Agreement (including other documents incorporated herein by reference) constitutes the final
expression of the credit agreement between you and us relating to your Account. The headings
used in this Agreement are for the convenience of reference only and are not intended to define or
describe the scope or intent of any portion of the Agreement.

Governing Law
This  Agreement  is  controlled  and  governed  by  the  laws  of  the  State  of  Missouri,  including
Missouri Revised Statutes (Chapter 408 Legal Tender and Interest) Section 408.145, except to

the extent that such laws are inconsistent with controlling federal laws.

Arbitration of Disputes Provision
PLEASE READ THIS ARBITRATION OF DISPUTES PROVISION CAREFULLY. UNLESS YOU SEND
US  THE  REJECTION  NOTICE  DESCRIBED  BELOW,  THIS  PROVISION  WILL  APPLY  TO  YOUR
ACCOUNT, AND MOST DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL
ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY
SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR
PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL
BE LIMITED. This provision replaces any existing arbitration provision with us and will stay in
force no matter what happens to your Account, including the closing of your Account.
Except  as  expressly  provided  below,  you  and  we  must  arbitrate  individually,  by  binding
arbitration under the Federal Arbitration Act (“FAA”), any dispute or claim between you, any
joint cardholder and/or Authorized User, on the one hand, and us , our affiliates and agents, on
the  other  hand,  if  the  dispute  or  claim  arises  out  of  or  is  related  to  (a)  this  Agreement
(including  without  limitation,  any  dispute  over  the  validity  of  this  Agreement  to  arbitrate
disputes or of this entire Agreement), or (b) your Account, or (c) any relationship resulting
from this Agreement, or (d) any insurance or other service related to your Account, or (e) any
other agreement related to your Account (including prior agreements) or any such service, or
(f) breach of this Agreement or any other such agreement, whether based on statute, contract,
tort or any other legal theory (any “Claim”). However, we will not require you to arbitrate: (1)
any  individual  Claims  in  small  claims  court  or  your  state’s  equivalent  court,  so  long  as  it
remains an individual case in that court; or (2) any Claim by us that only involves our effort to
collect money you owe us. However, if you respond to a collection lawsuit by claiming that we
engaged in wrongdoing, we may require you to arbitrate.
YOU  AGREE  NOT  TO  PARTICIPATE  IN  A  CLASS,  REPRESENTATIVE  OR  PRIVATE  ATTORNEY
GENERAL  ACTION  AGAINST  US  IN  COURT  OR  ARBITRATION.  ALSO,  YOU  MAY  NOT  BRING
CLAIMS AGAINST US ON BEHALF OF ANY CARDHOLDER WHO IS NOT A JOINT CARDHOLDER
WITH YOU OR AN AUTHORIZED USER ON YOUR ACCOUNT (AN “UNRELATED CARDHOLDER”),
AND YOU AGREE THAT NO UNRELATED CARDHOLDER MAY BRING ANY CLAIMS AGAINST US
ON YOUR BEHALF. CLAIMS BY YOU AND AN UNRELATED CARDHOLDER MAY NOT BE JOINED IN
A SINGLE ARBITRATION. THE ARBITRATOR WILL NOT HAVE THE POWER TO CONSIDER SUCH
CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTIONS OR ANY SUCH CLAIMS
YOU BRING ON BEHALF OF AN UNRELATED CARDHOLDER.
Judgment on the arbitration award may be entered in any court having jurisdiction. Any dispute
regarding  whether  a  particular  controversy  is  subject  to  arbitration  will  be  decided  by  the
arbitrator(s). If any part of the damages or other relief requested is not expressly stated as a dollar
amount, the controversy will be a Claim that is subject to arbitration. You and we acknowledge and
agree that the transactions contemplated by this Agreement, and any controversy that may arise
under or relate to this Agreement, your Account, or the services or other agreements described
above, involve “commerce” as that term is defined and used in the FAA.
If you or we elect to arbitrate a claim, the electing party must notify the other party in writing. The
notice can be given after the beginning of a lawsuit and can be given in papers filed in the lawsuit.
Otherwise,  your  notice  must  be  sent  to  Bankcard  Services,  Attn:  Arbitration  Demand,  P.O.  Box
4477, Beaverton, Oregon 97076-4477, and our notice must be sent to the most recent address
for you in our files. The arbitration will be administered by the American Arbitration Association (the
“AAA”) under its rules in effect at the time an arbitration is commenced that are applicable to the
resolution of consumer disputes (the “Arbitration Rules”). We will tell you how to contact the AAA
and how to get a copy of the Arbitration Rules without cost if you ask us in writing to do so. The
Arbitration Rules permit you to request deferral or reduction of the administrative fees of arbitration
if paying them would cause you a hardship. In addition, if you ask us in writing, we will consider
your request to pay any or all of your costs of arbitration.
Each arbitrator shall be a licensed attorney who has been engaged in the private practice of law
continuously during the ten years immediately preceding the arbitration or a retired judge of a court
of general or appellate jurisdiction. The arbitration award shall award only such relief as a court of
competent  jurisdiction  could  properly  award  under  applicable  law,  including  attorneys’  fees  if
allowed by applicable law or agreement, and may award to the prevailing party all pre- and post-
award expenses of arbitration. All statutes of limitation, defenses, and attorney-client and other
privileges that would apply in a court proceeding will apply in the arbitration. The filing of a demand
for arbitration in accordance with the Arbitration Rules will be deemed the commencement of an
action for purposes of any applicable statute of limitations. 
This Agreement does not limit the right of you or us whether before, during or after the pendency
of any arbitration proceeding, to exercise self-help remedies such as set-off or repossession and
sale of collateral, or to obtain provisional or ancillary remedies or injunctive or other traditionally
equitable relief (other than a stay of arbitration) necessary to protect the rights or property of the
party seeking relief pending the arbitrator’s determination of the merits of the Claim. The taking of
any of the actions described in the preceding sentence by either party or the filing of a court action
by a party shall not be deemed to be a waiver of the right to demand arbitration of any Claim
asserted as a counterclaim or the like in response to any such action. This Agreement to arbitrate
disputes will survive the closing of your Account and the termination of your Agreement with us.
If  any  provision  of  this  Section  regarding  arbitration  of  disputes  shall  be  deemed  to  be
unenforceable, the remainder of this Section shall be given full force and effect. However, if the
provision  precluding  class,  representative  or  private  attorney  general  Claims  in  arbitration  is
deemed unenforceable, then this entire Arbitration Agreement shall be void and of no force and
effect.
You may reject this provision, in which case only a court may be used to resolve any dispute or
claim.  Rejection  will  not  affect  any  other  aspect  of  the  Cardholder  Agreement  .  To  reject  this
Provision,  you  must  sent  us  a  notice  within  60  days  after  you  open  your  Account  or  we  first
provide you with a right to reject this Provision. This notice must include your name, address and
Account number and be mailed to Bankcard Services, Attn: Arbitration Provision, P.O. Box 4477,
Beaverton, Oregon 97076-4477. This is the only way you can reject this Provision.

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your Statement, please write to us at: Bankcard Services P.O. Box
4499, Beaverton, OR 97076-4499.
In your letter, give us the following information:

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

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

You must contact us:

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

to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do we are not
required to investigate any potential errors, and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

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

also tell you if we have already corrected the error.

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

why we believe the bill is correct.

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

• We cannot try to collect the amount in question, or report you as delinquent on that amount.
• The charge in question may remain on your Statement, and we may continue to charge you

interest on that amount.

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

of your balance.

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

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

other fees related to that amount.

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

If you receive our explanation but still believe your bill is wrong, you must write to us within 10
days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without
also reporting that you are questioning your bill. We must tell you the name of anyone to whom
we reported you as delinquent, and we must let those organizations know when the matter has
been settled between us. If we do not follow all of the rules above, you do not have to pay the first
$50 of the amount you question, even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card,
and you have tried in good faith to correct the problem with the merchant, you may have the right
not to pay the remaining amount due on the Purchase. To use this right, all of the following must
be true:

1. The Purchase must have been made in your home state or within 100 miles of your current
mailing address, and the Purchase price must have been more than $50. (Note: Neither of
these are necessary if your Purchase was based on an advertisement we mailed to you, or
if we own the company that sold you the goods or services.)

2. You must have used your credit card for the Purchase. Purchases made with cash advances

from an ATM or with a check that accesses your credit card account do not qualify.

3. You must not yet have fully paid for the Purchase.

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in
writing at Bankcard Services, P.O. Box 4499, Beaverton, OR 97076-4499. While we investigate,
the same rules apply to the disputed amount as discussed above. After we finish our investigation,
we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we
may report you as delinquent.

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

F03-M986-8