JOB SPECS: 
Flat Size: 
8” x 16.5” 

Finished Size: 
8” x 3.75” 

Colors: 

Front: Black 
Back: Black 

Bleed: No 

Note: None 

GENESIS CREDIT® ACCOUNT AGREEMENT

F03-W366-3

Dear Accountholder:
This Account 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.

ACCOUNT AGREEMENT 

This  Agreement  contains  the  terms  that  govern  the  use  of  your  Genesis  Credit  Account  and 
outlines  both  your  responsibilities  and  ours.  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 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 Mid America Bank & Trust Company. 
Account: The 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. 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 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. 

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. 

Retailer: Participating Home Depot locations. 

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 

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 6% of your New Balance or $50, 
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 monthly statement, which is 
at least 25 days after the Closing Date of the Billing Cycle. Your monthly Minimum Payment also 
will include any past due amount or any amount by which the New Balance exceeds your Credit 
Limit, whichever is greater. If your New Balance is less than or equal to your monthly Minimum 
Payment, then your monthly Minimum Payment will be equal to your New Balance. 
Payments should be mailed with the payment coupon and in the envelope provided and following 
the other instructions on the monthly statement to Bankcard Services,  P.O. Box 205458, Dallas, 
TX 75320-5458. 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 
0.0821% and the applicable APR is 29.99%. 
When Interest Charges Begin to Accrue. Interest charges on Purchases will be imposed at the 
daily 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. 

How We Calculate Interest. We calculate interest on Purchases 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. 
We calculate interest as follows: 
1.  For each day, we take the beginning Purchase balance 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, or other 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 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 
$27 if we did not charge a Late Payment Fee during any of the prior six billing periods. Otherwise, 
the Late Payment Fee is $38. 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 $27 if we 
did not charge a Returned Payment Fee during any of the prior six billing periods. Otherwise, the 
Returned Payment Fee is $38. The Returned Payment Fee will never exceed the monthly Minimum 
Payment. 

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 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: Bankcard 
Services, P.O. Box 4499, Beaverton, OR 97076, (800) 304-9369. In any case, your liability will 
not exceed $50. 

OUR RIGHTS AND HOW THEY AFFECT YOU 

Telephone Monitoring and Recording. You consent and agree that, from time to time, 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 or 
pre-recorded  messages  for  account  management  purposes,  including  calls  made  for  account 
collection  purposes.  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, our agents and successors in interest, subject to 
any limitations of applicable law, may (1) contact you at that number including by text message, 
and (2) use automated telephone dialing systems to initiate such contacts and/or leave recorded 
messages. For text messages, message and data rates may apply. 
In accordance with applicable law, we or our representatives may contact you from time to time 
regarding your 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. 

Email. 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. If, at any time, you would like to limit the types of 
communications you receive from us by email, please contact us at Bankcard Services, P.O. Box 
4477, Beaverton, OR 97076, (800) 304-9369, or, if you receive an email from us, you can select 
the “unsubscribe” link that is located in every email. 

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 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  due  on  or  before  its 

. . . CONTINUED ON REVERSE

 
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. 
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 Bankcard 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. Except as expressly set forth in the Arbitration Provision of this 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 Missouri, including Missouri 
Revised Statutes (Chapter 408 Legal Tender and Interest) Section 408.145. 

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, 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  ACCOUNTHOLDER  WHO  IS  NOT  A  JOINT 
ACCOUNTHOLDER WITH YOU OR AN AUTHORIZED USER ON YOUR ACCOUNT (AN “UNRELATED 
ACCOUNTHOLDER”),  AND  YOU  AGREE  THAT  NO  UNRELATED  ACCOUNTHOLDER  MAY 
BRING  ANY  CLAIMS  AGAINST  US  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 
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,  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 Account Agreement. To reject this Provision, 
you must send us a notice within 60 days after you open your Account or we first provide you with 
a right to reject this Provision. This notice must include your name, address and Account Number 
and be mailed to Bankcard Services, 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: Bankcard 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 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 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 Bankcard 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: 
Mid America Bank & Trust Company 
216 West 2nd Street 
Dixon, MO 65459 

F03-W366-3