CREDIT AGREEMENT AND TRUTH IN LENDING DISCLOSURES 
     
                       New York Residents:  RETAIL INSTALMENT CREDIT AGREEMENT   
     
                                              
                                              
                                             1.  We May Assign Our Interest in Obligations Owed Pursuant to This 
     Interest Rates and Interest Charges 
                                             Agreement: We may assign our interest in any obligations owed pursuant to the 
                                             Agreement to Tidewater Finance Company�, P. O. Box 13306, Chesapeake, 
     Annual Percentage 
                                             VA 23325. Phone 1-888-413-1083, though we are not obligated to do so. We 
     Rate (APR) for  29.99% 
     Purchases                               may also assign the Agreement at our discretion to  any party  we choose.   
                                             Tidewater Finance Company will service your Account on our behalf.  
                                             2. Use of Account and Your Promise to Pay: Your Account is a credit line in 
                  Your due date is at least 25 days after the close of  the amount of your credit limit, which will be communicated to you at the time of 
     How to Avoid Paying  each billing cycle.  We will not charge you any  credit approval.   You and any persons you authorize to use the Account may use 
     Interest     interest on purchases if you pay your entire balance  the  Credit  Card  to  make  Purchases  in  accordance  with  the  terms  of  this 
                  by the due date each month.    Agreement. Any Purchases will reduce the credit available under the credit limit 
                                             by the amount of the Purchase.  As you repay those amounts, your available credit 
                                             will be restored by the amounts you repay (though there may be a delay in 
                                             restoring available credit until after we receive funds from your bank).     
                  If you are charged interest, the charge will be no  If we allow you to make Purchases that exceed your credit limit, you agree to 
     Minimum Interest Charge 
                  less than $0.50.           repay those amounts immediately upon demand.  You may access the unused 
                                             portion of the credit limit so long as you are not in default under this Agreement.  
                                             You agree to pay for all Purchases You or anyone you authorize to use the 
                                             Account charge to the Account, and all other charges assessed to the Account 
     For Credit Card Tips  To learn more about factors to consider when 
                                             under the terms of this Agreement.  When You sign the Application You agree to 
     from the Consumer  applying for or using a credit card, visit the website 
     Financial Protection                    every term in this Agreement.  Therefore, read this entire Agreement, including 
                  of the Consumer Financial Protection Bureau at 
     Bureau (�CFPB�)                         the cost-of-credit disclosures required by federal and/or state law, before You 
                  http://www.consumerfinance.gov/learnmore.  
                                             sign. 
     Fees                                    3. The Cost of Credit: 
                                                A. Interest Charge Accruals: An interest charge will accrue from the date 
     Annual Fee   None 
                                                of any Purchase or other advance you make pursuant to this Agreement.   
                   
                                                B. Promotional Plan (�Promotional Plan�): If we offer You a Promotional 
     Penalty Fees   
                                                Plan,  including  any  deferred  interest  financing  program,  we  will 
     �  Late Payments  Up to $35 
                                                communicate the terms of the Promotional Plan at the time of the offer.  If 
         
                                                the Promotional Plan is a deferred interest program, you must make timely 
     �  Dishonored Payments 
                  Up to $35                     minimum monthly payments and must pay your promotional balance in full 
                                                within the promotional period in order to avoid being assessed interest 
                                                charges that accrue during the promotional period from the date of the 
     
                                                purchase.  If you fail to do so, you must repay all interest that has accrued 
         Military Lending Act Disclosure: Federal law provides important 
                                                on the promotional balance during the promotional period.   
         protections to members of the Armed Forces and their dependents 
                                                C. Monthly Terms: An interest charge will be imposed at the monthly 
         relating to extensions of consumer credit. In general, the cost of 
                                                periodic rate of 2.499%, which equates to an annual percentage rate of 
         consumer credit to a member of the Armed Forces and his or her 
                                                29.99%.  Interest charges will accrue from the Purchase date, except that 
         dependent may not exceed an annual percentage rate of 36 percent. 
                                                no interest charges will be imposed in any billing cycle in which (a) there is 
         This rate must include, as applicable to the credit transaction or 
                                                no balance at the beginning of the billing cycle, or (b) payments received 
         account: The costs associated with credit insurance premiums; fees 
                                                and credit issued within 25 days after the cycle closing date shown on the 
         for ancillary products sold in connection with the credit transaction; 
                                                monthly statement equal or exceed the cycle opening balance. At any time, 
         any application fee charged (other than certain application fees for 
                                                You may pay Your total unpaid balance including any accrued interest 
         specified credit transactions or accounts); and any participation fee 
                                                and/or other charges without a penalty. 
         charged (other than certain participation fees for a credit card 
                                                D. We Compute the Interest Charge Using the Average Daily Balance 
         account). To hear disclosures related to the Military Lending Act, 
                                                Method:  We compute the interest charge on the Account by applying the 
         please call this toll-free number: 1-800-844-8249. 
                                                monthly periodic rate shown to the average daily balance (including new 
                                                purchases) of the Account.  To get each day�s daily balance, we take the 
                                                Account�s balance at the beginning of the day, add any new Purchases, and 
    How We Will Calculate Your Balance:  We use a method called �Average 
                                                subtract all payments or credits.  This gives us the daily balance.  Any unpaid 
    Daily Balance� (including new purchases).  See your account agreement for 
                                                late fees, returned payment fees, or convenience fees, and any accrued and 
    more details.  
                                                unpaid interest charges are not added to the daily balance and are not part 
    Billing Rights:  Information on your rights to dispute transactions and how to  of the Average Daily Balance.   Any negative balance (a credit balance) is 
    exercise these rights is provided in your Agreement.    treated as $0.  Notwithstanding anything to the contrary above, any portion 
                                                of a balance that is repaid while subject to a grace period for interest 
    This is a consumer credit contract.         Purchases is excluded from the average daily balance and will not incur 
    This Credit Agreement (�Agreement�) is our contract with you.  Please read  interest charges.  We then add up all the daily balances for the billing cycle 
    it carefully.  In this Credit Agreement:    and divide the total by the number of days in the billing cycle, which gives 
    �Account� means the open end credit account You establish with Mid America  us the Average Daily Balance.   
    Bank & Trust Company, Dixon, MO under this Agreement. �Application� means  E. Billing Statements and Billing Error Rights:  We will provide a periodic 
    your request for credit (opening of this Account) that You signed. �Purchase�  billing statement at the end of each billing cycle in which you have account 
    means a transaction made on your Account to purchase goods or services from  activity or a credit or debit balance.  The periodic billing statement will show 
    the retailer identified in the application for this Agreement.  �Credit Card� means  your Account balance at the end of the billing cycle reflected in the statement 
    the physical device that we issue to you for the purpose of making Purchases on  (�New Balance�), your Minimum Payment Due and other Account information 
    credit pursuant to this Agreement.  �We,� �us,� and �our� refer to Mid America  (including transactions and charges). Information about Your right to dispute 
    Bank & Trust Company and any person to whom Bank assigns this Agreement or  transactions is included in Paragraph 22 of this Agreement.  
    its rights and/or obligations under the Agreement (�Assignee�). �You,� �you,�  F.  Minimum  Interest  Charges:   If  the  interest  charge  resulting  from 
    Your� or �your� means every individual who signs the Application for the Account  application of the above stated monthly periodic rate is less than $.50, we 
    and who is authorized to charge purchases of goods to the Account.  will impose a minimum finance charge of $.50.   
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      G.  Additional Fees and Charges:   If you make an expedited payment with  �  claims arising in whole or in part from a federal statute, including the 
      the assistance of a customer service representative, you will be charged a  Truth-in-Lending  Act,  Fair  Credit  Reporting  Act,  Equal  Credit 
      convenience fee of $8.00, except as prohibited by applicable law.    Opportunity Act, FTC Act, or the Consumer Financial Protection Act of 
    4. The Amount of Your Monthly Minimum Payment: Your monthly minimum  2010; and 
    payment (�Minimum Payment Due�) is the greater of 7.5% of the New Balance  �  claims regarding this agreement to arbitrate, including whether it is 
    reflected on your billing statement or $75, but in no case will the Monthly Minimum  void, voidable, a contract of adhesion, fails for lack of consideration, is 
    Payment Due exceed $250.  The Total Payment Due may exceed $250 if the  procedurally or substantively unconscionable, or is contrary to public 
    account is delinquent.  We reserve the right to change your minimum payment  policy.  
    requirements from time to time, subject to any notice requirements.  You and we agree that an arbitrator, not a federal or state court, regulatory agency 
    5. How We Will Apply Your Payments: We will apply payments we receive in  or public or private mediator, has the exclusive authority to resolve all Claims. 
    the following order: first, to accrued late fees and credit service charges, next to  You or we may elect that a Claim be resolved by arbitration.  If we elect to require 
    the oldest past due minimum payment, then the next oldest past due minimum  that a Claim be resolved by arbitration but you do not exercise your right to elect 
    payment, etc.; second, to the current minimum payment due; third, to other unpaid  that the Claim be arbitrated, the Claim will be arbitrated. If neither we nor you elect 
    fees arising under this Agreement, except we will apply payments in a different  arbitration, the Claim will not be resolved by arbitration but will be litigated in court.  
    order where required or allowed by law.    All arbitration under this Paragraph 8 will be by and under the rules (the �Rules�)  
    6.  What Happens if You Break Your Promises and Default: If you do not pay  of the American Arbitration Association (�AAA�) in effect when the Claim is made.  
    any Minimum Payment Due on time (or within 10 days of the due date in IA), or,  We will substitute another nationally recognized arbitration organization using 
    to the extent not prohibited by law, if the prospect of payment or performance is  procedures similar to the Rules if AAA does not serve or if you ask us to.  For the 
    significantly impaired, the Account will be in default.  Subject to any notice and  AAA Rules currently in effect, call AAA at 800-925-0155 or visit its website 
    right you may have to cure the default, we may declare the entire unpaid balance  (http://www.adr.org).   
    on the Account due and payable (except in WI you will not be in default until you  If we or you request arbitration of a Claim, you and we will not have the right to 
    fail to make a Minimum Payment Due on two occasions within any 12-month  litigate the Claim in court.  This means:  
    period).  If after default the Account is referred to an attorney who is not our  �  there will be no judge or jury trial on the Claim;  
    salaried employee, you agree to pay our reasonable attorney's fees, to the extent  �  no pre-arbitration discovery will be permitted except as the Rules 
    not prohibited by law.  You also agree to pay reasonable collection costs and court  permit;  
    costs incurred in collecting on this Agreement or enforcing our rights in the  �  you will arbitrate your Claim only - no Claim can be arbitrated on a 
    Agreement, to the extent not prohibited by law.  Notwithstanding anything to the 
                                                  class or representative basis;  
    contrary above:  Utah residents:  Collection Fees and Rights Upon Default:  You 
                                                �  neither we nor you will have the right to participate as a representative 
    understand and accept that if you fail to pay your account by the scheduled due 
                                                  or member of any class of persons pertaining to any Claim being 
    date, We may refer your delinquent account to an attorney or a third party 
                                                  arbitrated; and,  
    collection agency to collect what you owe, and you are responsible for paying  
                                                �  an arbitrator will have no power or authority to arbitrate Claims of 
    the attorney fees or third party collection agency fees which may be based on a 
                                                  multiple persons simultaneously or in conjunction with one another.   
    percentage at a maximum of 40 percent (40%) of your delinquent account, 
                                             Generally, an arbitrator's decision is final and binding.  Other rights you would 
    together with all costs and expenses.  Attorney Fees available to Non-Defaulting 
                                             have in court may not be available in arbitration. Neither you nor we waive the 
    Party:  In the event either party defaults in any of the terms or provisions of this 
                                             right to arbitrate by filing suit until a final judgment is rendered. 
    Agreement, the non-defaulting party shall be entitled to recover its, his or her, 
                                             Arbitration hearings will take place in the federal judicial district in which you 
    reasonable attorney�s fees, whether or not suit is commenced or final judgment is 
                                             reside.  If you ask us in writing, we will temporarily advance you the filing, 
    obtained. 
                                             administrative, and hearing fees for the arbitration of your Claim against us (but 
    New  Hampshire  residents:  If  you  successfully  assert  a  partial  defense  or 
                                             not if the Claim is against you) in excess of any filing fee you would have had to 
    counterclaim, the court may withhold part or all of any attorney's fees to which we 
                                             pay to file the Claim in a state or federal court (whichever is less) in the judicial 
    may be entitled. Texas Residents:  If you are in default, we may require you to 
                                             district in which you reside.  The arbitrator will decide if you have to repay the 
    repay the entire unpaid principal balance, and any accrued interest at once.   You 
                                             advance.  If you must repay, you agree to do so. The arbitrator may make other 
    agree that we do not have to give you notice that we are demanding or intend to 
                                             rulings regarding your and our payment of filing, administrative, and hearing fees 
    demand immediate payment of all that you owe.  
                                             as required by law or necessary to assure that this Paragraph 8 is enforceable. 
    7. How You Must Contact Us If You Try to Settle the Account for Less Than 
                                             Unless unlawful, you and we will each pay our own lawyers', experts' and witness 
    the  Total  Unpaid  Balance:  All  communications  about  disputed  amounts, 
                                             fees in all situations related to arbitration.  
    including any check or other payment instrument in any amount less than the total 
                                             Paragraph 8 is governed by the Federal Arbitration Act (�FAA�).  The arbitrator 
    unpaid balance that is marked �paid in full,� any payment tendered with conditions 
                                             will apply substantive law consistent with the FAA.  The arbitrator will apply all 
    or limitations,  or that you otherwise tender as full satisfaction of a disputed 
                                             applicable limitations periods and will honor all valid privilege and work-product 
    amount, must be directed to customer service at our street address shown on 
                                             claims.  If the Rules and Paragraph 8 conflict, Paragraph 8 governs.  Either you 
    your monthly statement.  We will not lose any of our rights by depositing such a 
                                             or we may enter judgment on the arbitrator's award in any court with jurisdiction.  
    payment. See Paragraph 16. 
                                             The arbitrator's decision will be final and binding, except for any appeal right under 
    8. Arbitration of Disputes-No Jury Trials or Class Actions:  
                                             the FAA.  Unless otherwise ordered by the arbitrator, the appealing party will pay 
    COVERED MILITARY BORROWERS: If you are a �covered borrower,� as 
                                             appeal costs. 
    defined under the Military Lending Act, 10 U.S.C. � 987, as amended, (i) the 
                                             You may opt out of this Paragraph 8 by sending a notice of your election to 
    �Arbitration Provision,� (ii) any waiver of right to legal recourse under any state 
                                             do so to Tidewater Finance Company�, P.O. Box 13306, Chesapeake, VA 
    or federal law and (iii) any other provision in this Agreement that is not 
                                             23325-3306.  The election to opt out must be signed by all persons obligated 
    enforceable against you under the Military Lending Act does not apply to you so 
                                             on the account and postmarked no later than 10 days from the date of this 
    long as you are a �covered borrower.� 
                                             Agreement. 
    This paragraph describes Claims that will be arbitrated instead of litigated in court.     
                                             9. What You Agree to Pay if a Payment Is Dishonored: If you use a check 
    Claims include, but are not limited to, disputes, rights, actions and claims between 
                                             or electronic payment to make payment on the Account and it is returned or 
    you and us which preceded or directly or indirectly arose from this Agreement or 
                                             dishonored for any reason, including insufficient funds, we may impose a fee of 
    the relationship between you and us involving this Agreement.  You and we agree 
                                             $26 that will be charged to the Account, except that if a payment is returned or 
    to arbitrate all Claims in any way related to the formation, interpretation, execution, 
                                             dishonored again within six billing cycles of a prior return or dishonor, you will 
    performance and enforcement of this Agreement. 
                                             be charged $35.  However, the amount of the fee will not exceed the amount of 
    Claims to be arbitrated include:  
                                             the required minimum periodic payment due immediately prior to assessment 
      �  tort claims, whether unintentional, intentional, negligent or grossly 
                                             of the fee. 
         negligent;  
                                             10. What You Agree to Pay if Your Payment is Late: If we do not receive a 
      �  express or implied contract claims;   monthly minimum payment within 10 days of its due date, we will impose a late 
      �  claims based directly or indirectly on the Uniform Commercial Code or  fee in the amount of $26, except that if you are late again within six billing cycles 
         other state law or regulation;      of a prior violation, you will be charged $35.  However, the late fee will not exceed 
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    the amount of the returned minimum periodic payment due immediately prior to  Iowa Residents: This is a consumer credit transaction. 
    assessment of the late fee.              Maryland Residents: This Agreement is governed by Subtitle 9, Title 12 of the 
    11. How We May Cancel or Limit Your Credit: We have the right at any time to  Maryland Commercial Law Article. 
    limit or terminate the use of the Account and increase  or  reduce the credit limit  Missouri Residents: Oral agreements or commitments to loan money, 
    without giving you advance notice, except to the extent prohibited by applicable  extend credit or to forbear from enforcing repayment of a debt including 
    law.  If our authorization system is not working, we may be unable to authorize a  promises to extend or renew such debt are not enforceable. To protect you 
    transaction even if you have sufficient available credit.  We will not be liable to  (borrower(s)) and us (creditor) from misunderstanding or disappointment, 
    you if this happens.  We are not responsible for the refusal of anyone to accept or  any agreements we reach covering such matters are contained in this 
    honor an additional Purchase on the Account.  If you close the Account, you  writing, which is the complete and exclusive statement of the agreement 
    remain responsible for any unpaid balance.    between us, except as we may later agree in writing to modify it.  
    12. How The Account May Be Closed If It Is Not Used: We will treat the Account  New Hampshire Residents: You will be entitled to reasonable attorney's 
    as closed if: (1) It has a zero balance; and (2) You do not use any of its available  fees if you prevail in any action, suit or proceeding brought by you or us.    
    credit within 12 months of the balance reaching zero (18 months in CA).   If you successfully assert a partial defense or set-off, recoupment or 
    13.  We  May  Change  this  Agreement:  We  may  change  any  term  of  this  counterclaim to an action brought by us, the court may withhold from us 
    Agreement,  including  the  Annual  Percentage  Rate  of  interest  charges,  by  the entire amount or such portion of the attorney fees as the court 
    furnishing you any notice of the change required by law and, if required, an  considers equitable. 
    opportunity to reject the change.  If permitted by law, we may apply any new terms  New Jersey Residents:  This agreement applies to residents of multiple states, 
    to existing Account balances and later transactions.  and  certain  provisions  in  this  agreement  may  be  void,  unenforceable  or 
    14. We May Investigate and Report Your Credit: You authorize us to investigate  inapplicable to residents in states other than New Jersey.  None of these 
    your credit history by obtaining credit reports and making direct inquiries of  provisions  are  void,  unenforceable  or  inapplicable  to  New  Jersey 
    businesses including, but not limited to where you have accounts, places where  residents.  However, please note that, if you reside in New Jersey, any collection 
    you work(ed), and your landlord(s).  We may request credit reports from credit  fees imposed upon default are limited to 20% of the principal balance and 
    reporting agencies to consider your Application and in connection with updates,  interest outstanding.  In addition, we will not accelerate the balance solely on the 
    renewals, extensions of additional credit or collection of the Account.  If you  basis that we deem ourselves to be insecure. 
    request, we will tell you if a credit report was requested and the name and address  New York Residents:   New York residents may contact the New York state department 
    of the credit reporting agency that furnished the report.  You also authorize us to  of financial services by telephone or visit its website for free information on comparative 
    report your performance under this Agreement to credit reporting agencies, and  credit card rates, fees, and grace periods.  Call 1-800-342-3736 or visit www.dfs.ny.gov.   
    others who may legally receive such information.  Important Information About  NOTICE TO THE CONSUMER:  1. Do not sign this credit agreement before 
    Credit Reporting: We may report information about your account to credit  you read it or if it contains any blank space.  2. You are entitled to a 
    bureaus.  Late  payments,  missed  payments,  or  other  defaults  on  your  completely filled in copy of this credit Agreement.  . 
    account may be reflected in your credit report  South  Carolina  Residents:  The arbitration provision in this Note is not 
    15. How You May Dispute the Accuracy of Credit Information We Report  governed by the South Carolina Uniform Arbitration Act. 
    About You: If you believe we have reported inaccurate information about you to  Texas Residents: This written loan agreement represents the final agreement 
    a credit reporting agency, please contact us though our servicer, Tidewater  between the parties and may not be contradicted by evidence of prior, 
    Finance Company�, at P.O. Box 13306, Chesapeake, VA 23325-3306.  When  contemporaneous, or subsequent oral agreements of the parties. There are 
    you contact us, identify the information in question, tell us why you believe it is  no unwritten oral agreements between the parties. 
    inaccurate, and provide any documentation that supports your belief.  If you have  Utah Residents: As required by Utah law, you are hereby notified that a 
    a credit report that includes the information that you believe is inaccurate, send a  negative credit report reflecting on your credit record may be submitted to 
    copy of that report to assist our investigation.  a credit reporting agency if you fail to fulfill the terms of  your credit 
    16. We Do Not Waive Our Rights: You agree we have the right to delay or refrain  obligations. 
    from enforcing our rights under this Agreement without  waiving them.  For  West Virginia Residents: The provisions of this Agreement that purport to require 
    example, and without limitation, we may extend the time you have to make a  you to pay attorneys� fees and collection costs are void.   
    payment without extending the time to make other payment(s); we may accept  For Married Wisconsin Residents:  You agree that this obligation is or will be 
    postdated checks, payments tendered with conditions or limitations and accept  incurred in the interest of the marriage or the family.  
    late or partial payments without waiving our right to demand that future payments   
    be made in full when they are due; and we may forgive a particular charge or fee   
    without waiving our right to impose that charge or fee in the future.  We will not be  NOTICE:  As part of the bargained for consideration in this Agreement that 
    liable for depositing postdated checks you may send.    is granted in this Account, You consent to us and any servicer of the 
    17. We May Monitor and/or Record Telephone Calls: To assure that you  Account placing calls and sending text and email messages regarding the 
    receive the best possible customer service and that our employees comply with  Account to any phone number or email address now or in the future 
    the law and our policies, you agree that telephone calls may be recorded or  associated with you, that wireless service providers may charge you for 
    listened to by us.                       such communications, and you consent to our use of prerecorded or 
    18. You Must Notify Us When Your Address Changes: You agree to promptly  artificial  voice  messages  and  automatic  dialing  devices  for  such 
    notify us in writing of your new address if you move or change your mailing  communications.   You  further  agree  that  for  Application  and  collection 
    address.  Until you give us notice of a new address, we may send monthly  purposes, we may contact your employer, landlord, references and relatives to 
    statements  and  other  notices  to  the  address  we  have  on  record  for   verify your employment, residence, or location unless prohibited by law. 
    the Account.                              
    19. What Law Governs This Agreement: This Agreement will be construed,   
    applied, and governed by federal law, and to the extent not preempted by federal  Patriot Act Notice:  Federal law requires all financial institutions to obtain, 
    law, the laws of the State of Missouri (pursuant to Missouri Revised Statute  verify and record information that identifies each person who opens an 
    408.145,  we  rely  on  Nebraska  law  for  rates  and  fees  imposed  under  this  account,  including  your  name,  address,  date  of  birth  and  other 
    Agreement).  Our ability to collect attorneys� fees, collection and court costs will  information that will allow us to verify your identity.  
    be governed by the law of your state of residence.    The Agreement is the final   
                                              
    expression of the credit agreement between the parties and it may  not be 
                                             NOTICE:  ANY HOLDER OF THIS CONSUMER CREDIT AGREEMENT IS 
    contradicted by evidence of an alleged oral agreement.  
                                             SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD 
    20. When This Agreement Becomes Effective: This Agreement is not effective 
                                             ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED 
    until we approve your Application and you or someone authorized by you signs 
                                             WITH  THE  PROCEEDS  HEREOF.   RECOVERY  HEREUNDER  BY  THE 
    an invoice or otherwise charges a purchase to the Account. 
                                             DEBTOR  SHALL  NOT  EXCEED  AMOUNTS  PAID  BY  THE  DEBTOR 
    21. Additional Federal and State Law Disclosures:  
                                             HEREUNDER. 
    Delaware Residents:  You may pay the outstanding balance of your Account in full   
    at any time without penalty.  Service charges not in excess of those permitted by law   
    will be charged on the outstanding balances from month to month.     
                                              
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    22. YOUR BILLING RIGHTS                  While we investigate, the same rules apply to the disputed amount as discussed 
    KEEP THIS NOTICE FOR FUTURE USE          above. After we finish our investigation, we will tell you our decision. At that 
    This notice tells you about your rights and our responsibilities under the Fair Credit  point, if we think you owe an amount and you do not pay, we may report you 
    Billing Act.                             as delinquent. 
    What To Do If You Find A Mistake On Your Statement    
    If you think there is an error on your monthly statement, write to us at the address 
    listed on your statement. 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 monthly 
      statement, 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 monthly statement. 
    �  At least 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 many 
      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 is an error: 
    �  We cannot try to collect the amount in question, or report you as delinquent 
      on that amount. 
    �  The charge in question may remain on your statement, and we may continue 
      to charge you interest on that amount. 
    �  While you do not have to pay the amount in question, you are responsible 
      for the remainder of your balance. 
    �  We can apply any unpaid amount against your credit limit. 
    After we finish our investigation, one of two things will happen: 
    �  If we made a mistake: you will not have to pay the amount in question, or 
      any interest or other fees related to that amount. 
    �  If we do not believe there was a mistake: You will have to pay the amount in 
      question, along with applicable interest and fees. We will send you a statement 
      of the amount you owe and the date payment is due. We may then report you 
      as delinquent if you do not pay the amount we think you owe. 
    If you receive our explanation but still believe your monthly statement 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 
    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 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:  
               Tidewater Finance Company� 
                  P.O. Box 13306 
               Chesapeake, VA 23325-3306, 
     Version 8-2017 
                              Privacy Policy & Opt-Out Form   
                                              
     
                          Account Issued by: Mid America Bank & Trust Company   
     
                                              
                             Serviced by: Tidewater Finance Company �  
                                              
      
      
                       WHAT DOES MID AMERICA BANK & TRUST COMPANY DO WITH 
      Facts 
                       YOUR PERSONAL INFORMATION? 
       
                       Financial companies choose how they share your personal information. Federal law gives 
       Why? 
                       consumers the right to limit some but not all sharing. Federal law also requires us to tell you 
                       how we collect, share, and protect your personal information. Please read this notice 
                       carefully to understand what we do. 
       
                       The types of personal information we collect and share depend on the product or service 
       What? 
                       you have with us. This information can include: 
                        ?      Social Security number and transaction history 
                        ?      Account balances and payment history 
                        ?      Credit history and credit scores 
       
                       All financial companies need to share customers� personal information to run their everyday 
       How? 
                       business. In the section below, we list the reasons financial companies can share their 
                       customers� personal information; the reasons Mid America Bank & Trust Company chooses 
                       to share; and whether you can limit this sharing. 
     
                                                     Does Mid America   
                                                      Bank & Trust  Can you limit this 
      Reasons we can share your personal information 
                                                     Company Share?   sharing? 
                                                           
                                                                   
      For our everyday business purposes� 
                                                                   
      such as to process your transactions, maintain your 
                                                        Yes             No 
      account(s), respond to court orders and legal investigations, or 
      report to credit bureaus 
                                                                   
      For our marketing purposes� 
                                                        Yes             No 
      to offer our products and services to you 
      For joint marketing with other financial companies  Yes           No 
                                                                   Mid America Bank & 
      For our affiliates� everyday business purposes� 
                                                         No         Trust Company 
      information about your transactions and experiences 
                                                                     has no affiliates 
                                                                   Mid America Bank & 
      For our affiliates� everyday business purposes� 
                                                         No         Trust Company 
      information about your creditworthiness 
                                                                    has no affiliates 
                                                   
                                                                    We Don�t Share 
      For non-affiliates to market to you                No 
                                                                   
     
     
             Questions?                   Call 888-413-1083 
      
      Who we are 
                                 
      Who is providing this notice?  Tidewater Finance Company� (Servicer) on behalf of Mid America Bank 
                                 & Trust Company (Issuer) 
      
      What we do 
      How does Mid America Bank &  To protect your personal information from unauthorized access and use, we 
      Trust Company protect my   use security measures that comply with federal law. These measures 
      personal information?      include computer safeguards and secured files and buildings. 
                                 Also we only allow employees, authorized service providers and other 
                                 parties as required or permitted by law to access your account. 
      How does Mid America Bank & 
                                 We collect your personal information, for example, when you 
      Trust Company collect my 
                                 ?      open an account or give us your contact information 
      personal information? 
                                 ?      pay your bills or apply for a loan 
                                 ?      use your credit or debit card 
                                 We also collect your personal information from others, such as credit 
                                 bureaus, affiliates or other companies. 
      Why can�t I limit all sharing?  Federal law gives you the right to limit only 
                                 ?  sharing for affiliates� everyday business purposes�information about 
                                    your creditworthiness 
                                 ?      affiliates from using your information to market to you 
                                 ?      sharing for non-affiliates to market to you 
                                 State laws and individual companies may give you additional rights to limit 
                                 sharing. See below for more on your rights under state law. 
      
      Definitions 
                                 
      Affiliates                 Companies related by common ownership or control. They can be financial 
                                 and nonfinancial companies. 
                                 ?      Mid America Bank & Trust Company has no affiliates 
                                 
      Non-affiliates             Companies not related by common ownership or control. They can be 
                                 financial and nonfinancial companies. 
                                 ?  Non-affiliates we share with can include other financial companies and 
                                    non-financial companies such as retailers, marketing companies and 
                                    service providers. 
                                 
      Joint marketing            A formal agreement between nonaffiliated financial companies that together 
                                 market financial products or services to you. 
                                 ?  Our joint marketing partners include companies such as other financial 
                                    companies and financial service providers. 
      
      Other important information 
     CA Residents: W e will not disclose information about you to other financial service providers with which we have joint 
     marketing agreements, other than as required or permitted by law, unless you authorize us to do so. 
      
     CA, ND, and VT residents: To the extent that related state law applies, we will not disclose information about you to 
     anyone other than our affiliates without your express authorization except as required or permitted by law 
      
     NV residents: W e are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List 
     by sending a request to P.O. Box 13306, Chesapeake VA 23325 or calling us at 888-413-1083. In addition to our contact 
     information, we are required by Nevada law to provide you with the following information: Bureau of Consumer Protection, 
     Office of the Nevada Attorney General, 555 E. W ashington St., Suite 3900, Las Vegas, NV 89101; 
     702-486-3132; BCPINFO@ag.state.nv.us.