Fred Meyer Jewelers Gold Preferred Account 
The Bank of Missouri 

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

29.99% 

8
-
3
2
6
Y
-
3
0
F

How to Avoid Paying Interest  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. 

JOB SPECS:
Flat Size:
8.25” x 7.5” 

Finished Size: 
8.25” x 3.75” 

Colors:  

Front: Black
Back: None 

Bleed: No 

Note: None 

Fees

Annual Fee

Penalty Fees

• Late Payment 

• Returned Payment 

None

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 for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Account Agreement. 

JOB SPECS: 
Flat Size: 
8” x 18.625” 

Finished Size: 
8” x 3.75” 

Colors: 

Front: Black 
Back: Black 

Bleed: No 

Note: None 

Fred Meyer Jewelers Gold Preferred Account Agreement  
The Bank of Missouri 

F03-Y624-9

Dear Accountholder 
This Agreement, as defined below, is your contract for your Account and: 
•  Covers the terms that govern the use of your Fred Meyer Jewelers 

Gold Preferred 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 The Bank of Missouri. 
Account: Fred Meyer Jewelers Gold Preferred 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. 
Covered  Borrower:  Certain  members  of  the  Armed  Forces  and  their  dependents  who  are 
protected by the Military Lending Act. 
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. 
Purchase:  An  extension  of  Credit  to  your  Account  for  the  purpose  of  purchasing  goods  or 
services from Retailer. 
Purchase Balance: The total outstanding balance of Purchases and interest charges, excluding 
amounts included in the Regular Balance. 
Regular Balance: The total outstanding balance of all amounts other than Purchases and interest 
charges on Purchases. In the event you do not pay a Purchase balance in full before the end of 
a deferred interest period, the interest accrued during the deferred interest period will be added 
to your Regular Balance. Any subsequent interest charges accrued on such amounts will also 
be added to the Regular Balance. 
Retailer: Participating Fred Meyer Jewelers and Littman Jewelers located in the U.S. 

payment  due  of  $77.50.  This  example  assumes  no  additional  purchase  transactions  or  non-
purchase transactions have been made during your billing statement cycle.
  +  $25.00  For the first purchase transaction of $500 
  +  $50.00  For the second purchase transaction of $600) 
  +  $2.50  For the Regular Balance (5% of $50) 
  =  $77.50  Monthly Minimum Payment 

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 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. During the last two 
Billing Cycles of a deferred interest period, if you have an outstanding deferred interest balance, we 
will apply these excess amounts to the deferred interest promotion balance. 

DEFERRED INTEREST 

Each  Purchase  of  $299  or  more  (excluding  shipping  and  handling  charges  and  taxes)  on  your 
Account is subject to up to 6 months of deferred interest, beginning on the date of the Purchase (the 
“deferred interest period”). Interest will be charged to your Account from the date of the Purchase 
if the Purchase balance is not paid in full within the deferred interest period or if you make a late 
payment.
Each Purchase transaction accrues interest from the date of the Purchase, but we will not charge 
that interest to your Account if you pay that Purchase balance in full before the end of the deferred 
interest period and you make monthly minimum payments as required. The deferred interest period 
will end when one or more of the following events occur:

•  6 months from the Purchase date;
•  Your Account becomes more than 180 days past due;
•  Your Account is charged off for any reason.

Interest on each Purchase transaction will accrue during the deferred interest period at 29.99% APR.
You  must  make  monthly  minimum  payments  during  the  deferred  interest  period.  The  monthly 
statement  we  send  you  will  include  these  monthly  minimum  payment  amounts  and  will  help 
you keep track of your Purchase balance(s) and their deferred interest period(s). Paying only the 
monthly  minimum  payment  may  not  pay  off  the  Purchase  balance  within  the  deferred  interest 
period. You may have to make additional or increased payments during the deferred interest period 
to avoid having to pay all accrued deferred interest.
After the deferred interest period, interest will be charged at 29.99%. 

USING YOUR ACCOUNT 

HOW INTEREST CHARGES ARE DETERMINED 

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.  Each  Purchase  transaction  will  have  a  fixed  monthly  payment 
amount (which may differ from your monthly minimum payment as illustrated below) based on 
the following schedule: 

Purchase Transaction Amount

Fixed Payment Amount

Up to $500

$500.01 to $1000

$1000.01 to $1500

$1500.01 to $2000

$2000.01 to $2500

$2500.01 to $3000

$3000.01 to $3500

$3500.01 to $4000

$4000.01 to $4500

$4500.01 to $5000

$25

$50

$75

$100

$125

$150

$175

$200

$225

$250

Your monthly minimum payment due will be the greater of:

1.  $25; or
2.  The sum of:

a.  all fixed minimum payment amounts (illustrated in the table above) applicable to each of 

your purchase transactions; plus 

b.  5% of your Regular Balance.

Monthly  Minimum  Payment  Examples.  These  examples  are  illustrative  only  and  are  not  an 
actual  payment  calculation  for  your  Account.  Your  actual  monthly  minimum  payment  will  be 
calculated based upon your actual transaction activity. 
Monthly Minimum Payment Example 1: 
You  have  made  a  single  purchase  transaction  of  $500.  The  fixed  payment  amount  on  this 
transaction, according to the chart above is $25. In addition, you have a regular balance (non-
purchase  transactions)  of  $50.  Your  monthly  minimum  payment  will  be  calculated  as  $25 
plus $2.50 for a total payment due of $27.50. This example assumes no additional purchase 
transactions or non-purchase transactions have been made during your billing statement cycle. 
  +  $25.00  For the purchase transaction 
  +   $2.50  For the Regular Balance (5% of $50) 
  =  $27.50  Monthly Minimum Payment 

Monthly Minimum Payment Example 2: 
You  have  made  a  single  purchase  transaction  of  $500.  The  fixed  payment  amount  on  this 
transaction, according to the chart above is $25. At a later date during the same Billing Cycle, 
you make another purchase of $600. The fixed payment amount on this transaction, according 
to the chart above is $50. In addition, you have a regular balance (non-purchase transactions) of 
$50. Your monthly minimum payment will be calculated as $25 plus $50 plus $2.50 for a total 

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 
0.0821% and the applicable APR is 29.99%.

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.  For each day, we take the beginning balance of each balance segment in the Billing Cycle, 
including any unpaid interest charges, add any new 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.

2.  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 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 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 1-866-304-3280. 

Statement  of  MAPR.  Federal  law  provides  important  protections  to  members  of  the  Armed 
Forces and their dependents relating to extensions of consumer credit. In general, the cost of 
consumer credit to a member of the Armed Forces and his or her dependent may not exceed an 
Annual Percentage Rate of 36%. This rate must include, as applicable to the credit transaction or 
account: (1) the costs associated with credit insurance premiums; (2) fees for ancillary products 
sold in connection with the credit transaction; (3) any application fee charged (other than certain 
application  fees  for  specified  credit  transactions  or  accounts);  and  (4)  any  participation  fee 
charged (other than certain participation fees for a credit card account). 

Oral Disclosures. In order to hear important disclosures and payment information about this 
Agreement, you may call 1-866-875-5929. 

Applicability of Arbitration of Disputes Provision. The Arbitration of Disputes Provision set forth 
in this Agreement does not apply to you if, as of the date of this Agreement, you are a Covered 
Borrower. 

. . . CONTINUED ON REVERSE

 
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. 

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 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 

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 refund amount from your Account. 
However,  the  fixed  minimum  payment  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. 

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 Arbitration Provision 
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 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. 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,  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 
1-866-304-3280. 
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, tort or any other legal 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 that court.
YOU  AGREE  NOT  TO  PARTICIPATE  IN  A  CLASS,  REPRESENTATIVE  OR  PRIVATE  ATTORNEY 
GENERAL ACTION AGAINST US OR ANY SERVICER OF YOUR ACCOUNT, INCLUDING, BUT NOT 
LIMITED  TO,  GENESIS,  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 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 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.  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 Account for the Purchase. Purchases made with cash advances 

from an ATM or with a check that accesses your Account do not qualify. 

3.  You must not yet have fully paid for the Purchase. 

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in 
writing at: Genesis FS Card Services, P.O. Box 4499, Beaverton, OR 97076. 
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 Fred Meyer Jewelers Gold Preferred Account is issued by: 
The Bank of Missouri 

F03-Y624-9