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             EMBLEM EMBLEM EMBLEM MASTERCARD MASTERCARD MASTERCARD        SUMMARY OF TERMS SUMMARY OF TERMS SUMMARY OF TERMS
                                                                          Interest Rates and Interest Charges  Interest Rates and Interest Charges  Interest Rates and Interest Charges 
            CREDIT CARD PROGRAM  CREDIT CARD PROGRAM  CREDIT CARD PROGRAM                                    Fees  Fees  Fees 
        
                                        BANK CREDIT CARD AGREEMENT  BANK CREDIT CARD AGREEMENT  BANK CREDIT CARD AGREEMENT  Annual  Annual  Annual 
                                                                                  19.99%  19.99%  19.99%     Annual Fee  Annual Fee  Annual Fee  None (Initial 1 year from card issuance  None (Initial 1 year from card issuance  None (Initial 1 year from card issuance 
                                        (NY Residents: RETAIL INSTALMENT CREDIT (NY Residents: RETAIL INSTALMENT CREDIT (NY Residents: RETAIL INSTALMENT CREDIT Percentage  Percentage  Percentage  date)  date)  date) 
                                        AGREEMENT) AGREEMENT) AGREEMENT)  Rate (APR)  Rate (APR)  Rate (APR) 
                                                                                                                       $25 (After 1 year from card issuance  $25 (After 1 year from card issuance  $25 (After 1 year from card issuance 
                                        Nonnegotiable Consumer Note Nonnegotiable Consumer Note Nonnegotiable Consumer Note for  for  for 
                                                                                                                       date)  date)  date) 
                                                                          Purchases  Purchases  Purchases 
                                        This Bank Credit Card Agreement (�Agreement�) controls the use  This Bank Credit Card Agreement (�Agreement�) controls the use  This Bank Credit Card Agreement (�Agreement�) controls the use  Transaction  Transaction  Transaction 
                                                 � � �  � � �
                                        of your EMBLEM of your EMBLEM of your EMBLEM MasterCard MasterCard MasterCard bank credit card account  bank credit card account  bank credit card account  APR  APR  APR  for  for  for  0%*  0%*  0%* 
            IMPORTANT INFORMATION:  IMPORTANT INFORMATION:  IMPORTANT INFORMATION:                           Fees  Fees  Fees 
                                        (�Account�). Read it and keep it for your reference. Except as  (�Account�). Read it and keep it for your reference. Except as  (�Account�). Read it and keep it for your reference. Except as  Special  Special  Special 
                                                                                                             ? ? ? Balance  Balance  Balance 
                                        otherwise provided in this Agreement and subject to applicable  otherwise provided in this Agreement and subject to applicable  otherwise provided in this Agreement and subject to applicable  None  None  None 
                                                                          Balance  Balance  Balance 
                                        law, this Agreement may be changed at any time beginning  law, this Agreement may be changed at any time beginning  law, this Agreement may be changed at any time beginning  Transfer  Transfer  Transfer 
     ? ? ? CONSUMER IDENTIFICATION PROGRAM  CONSUMER IDENTIFICATION PROGRAM  CONSUMER IDENTIFICATION PROGRAM  Transfer  Transfer  Transfer  Up to 5% of the amount of each  Up to 5% of the amount of each  Up to 5% of the amount of each 
                                        twelve (12) months after Account opening in accordance with the  twelve (12) months after Account opening in accordance with the  twelve (12) months after Account opening in accordance with the  ? ? ? Cash  Cash  Cash 
        NOTICE (Important Information About Procedures for  NOTICE (Important Information About Procedures for  NOTICE (Important Information About Procedures for  Change of Terms paragraph in the OUR RIGHTS AND HOW  Change of Terms paragraph in the OUR RIGHTS AND HOW  Change of Terms paragraph in the OUR RIGHTS AND HOW  cash advance (maximum fee; $50);  cash advance (maximum fee; $50);  cash advance (maximum fee; $50); 
                                                                          APR for  APR for  APR for  21.99%  21.99%  21.99%  Advance  Advance  Advance 
                                        THEY AFFECT YOU section of this Agreement. This Agreement  THEY AFFECT YOU section of this Agreement. This Agreement  THEY AFFECT YOU section of this Agreement. This Agreement 
        Opening a New Account)  Opening a New Account)  Opening a New Account)  Cash  Cash  Cash             ? ? ? Foreign  Foreign  Foreign  1% of each foreign transaction in  1% of each foreign transaction in  1% of each foreign transaction in 
                                        also includes an Agreement to Arbitrate with a right to reject  also includes an Agreement to Arbitrate with a right to reject  also includes an Agreement to Arbitrate with a right to reject 
                                                                                                                       U.S. dollars  U.S. dollars  U.S. dollars 
                                        arbitration.  See �ARBITRATION PROVISION (AGREEMENT TO arbitration.  See �ARBITRATION PROVISION (AGREEMENT TO arbitration.  See �ARBITRATION PROVISION (AGREEMENT TO Advances  Advances  Advances  Transaction  Transaction  Transaction 
     ? ? ? BANK CREDIT CARD AGREEMENT  BANK CREDIT CARD AGREEMENT  BANK CREDIT CARD AGREEMENT  ARBITRATE CLAIMS)� below. Covered Military Borrowers:  If  ARBITRATE CLAIMS)� below. Covered Military Borrowers:  If  ARBITRATE CLAIMS)� below. Covered Military Borrowers:  If  and other  and other  and other 
                                                                                                             Penalty Fees  Penalty Fees  Penalty Fees 
                                        you are a �covered borrower,� as defined under the Military  you are a �covered borrower,� as defined under the Military  you are a �covered borrower,� as defined under the Military  Balance  Balance  Balance 
        ? ? ? SUMMARY OF TERMS  SUMMARY OF TERMS  SUMMARY OF TERMS  Lending Act, 10 U.S.C. � 987, as amended, (i) the  Lending Act, 10 Lending Act, 10 U.S.C. � 987, as amended, (i) the  U.S.C. � 987, as amended, (i) the  ? ? ? Late  Late  Late  Up to $25 (varies by state; see below)  Up to $25 (varies by state; see below)  Up to $25 (varies by state; see below) 
                                                                          Transfers  Transfers  Transfers 
        ? ? ? AGREEMENT TO ARBITRATE CLAIMS  AGREEMENT TO ARBITRATE CLAIMS  AGREEMENT TO ARBITRATE CLAIMS  �ARBITRATION PROVISION (AGREEMENT TO ARBITRATION  �ARBITRATION PROVISION (AGREEMENT TO ARBITRATION  �ARBITRATION PROVISION (AGREEMENT TO ARBITRATION  Payments  Payments  Payments 
                                                                                                                       Up to $25 (varies by state; see below)  Up to $25 (varies by state; see below)  Up to $25 (varies by state; see below) 
                                        CLAIMS� provision, (ii) any waiver of right to legal recourse under  CLAIMS� provision, (ii) any waiver of right to legal recourse under  CLAIMS� provision, (ii) any waiver of right to legal recourse under  Penalty  Penalty  Penalty  24.99%  24.99%  24.99% 
          (Including the Right to Reject Arbitration at  (Including the Right to Reject Arbitration at  (Including the Right to Reject Arbitration at  ? ? ? Returned  Returned  Returned 
                                        any state or federal law and (iii) any other provision in this  any state or federal law and (iii) any other provision in this  any state or federal law and (iii) any other provision in this 
                                                                          APR and  APR and  APR and            Payment  Payment  Payment 
          Account Opening)  Account Opening)  Account Opening)  Agreement that is not enforceable against you under the Military  Agreement that is not enforceable against you under the Military  Agreement that is not enforceable against you under the Military  This APR may be applied to your account if you  This APR may be applied to your account if you  This APR may be applied to your account if you 
                                                                          When it  When it  When it 
        ? ? ? STATE NOTICES  STATE NOTICES  STATE NOTICES  Lending Act does not apply to you. In this Agreement, the words  Lending Act does not apply to you. In this Agreement, the words  Lending Act does not apply to you. In this Agreement, the words  do not pay the required minimum payment by  do not pay the required minimum payment by  do not pay the required minimum payment by  Billing Rights: Information on your rights to dispute transactions  Billing Rights: Information on your rights to dispute transactions  Billing Rights: Information on your rights to dispute transactions 
                                        �you,� �your,� and �Cardholder� refer to all persons who were  �you,� �your,� and �Cardholder� refer to all persons who were  �you,� �your,� and �Cardholder� refer to all persons who were  Applies  Applies  Applies 
        ? ? ? BILLING RIGHTS NOTICE  BILLING RIGHTS NOTICE  BILLING RIGHTS NOTICE  its due date for two consecutive billing cycles.  its due date for two consecutive billing cycles.  its due date for two consecutive billing cycles.  and how to exercise those rights is provided at the end and how to exercise those rights is provided at the end and how to exercise those rights is provided at the end of this  of this  of this 
                                        expressly approved by us to use the Account. The words �we,�  expressly approved by us to use the Account. The words �we,�  expressly approved by us to use the Account. The words �we,� 
                                                                                                            document. document. document.
                                        �us,� and �our� refer to Mid America Bank & Trust Company  �us,� and �our� refer to Mid America Bank & Trust Company  �us,� and �our� refer to Mid America Bank & Trust Company  How long will the Penalty APR apply?:  If  How long will the Penalty APR apply?:  If  How long will the Penalty APR apply?:  If  How We Will Calculate Your Balance: W e use a method called  How We Will Calculate Your Balance: W e use a method called  How We Will Calculate Your Balance: W e use a method called 
                                        located in Dixon, MO, our successors and assigns. The words  located in Dixon, MO, our successors and assigns. The words  located in Dixon, MO, our successors and assigns. The words  your APRs are increased for the reason stated  your APRs are increased for the reason stated  your APRs are increased for the reason stated  �average daily balance (including new �average daily balance (including new �average daily balance (including new purchases).� See Details  purchases).� See Details  purchases).� See Details 
                                        �Card� �Card� �Card� or or or �Cards� refer to the credit card that we issue to you.  �Cards� refer to the credit card that we issue to you.  �Cards� refer to the credit card that we issue to you. 
                                                                                  above, the Penalty APR will apply until you  above, the Penalty APR will apply until you  above, the Penalty APR will apply until you  below. below. below.
                                        The word �Account� means an individual or joint credit card  The word �Account� means an individual or joint credit card  The word �Account� means an individual or joint credit card 
                                                                                  make six consecutive minimum payments  make six consecutive minimum payments  make six consecutive minimum payments  *No Interest Charge (including any Penalty APR) or per  *No Interest Charge (including any Penalty APR) or per  *No Interest Charge (including any Penalty APR) or per 
                                        account. The use of your Account number to obtain credit will be  account. The use of your Account number to obtain credit will be  account. The use of your Account number to obtain credit will be 
                                                                                                             transaction Cash Advance Fee will apply to any remaining  transaction Cash Advance Fee will apply to any remaining  transaction Cash Advance Fee will apply to any remaining 
                                        considered a use of the Card. The following items are now  considered a use of the Card. The following items are now  considered a use of the Card. The following items are now  when due.  when due.  when due. 
                                                                                                             Program Balance (�Special Balance Transfer,� if any) that is  Program Balance (�Special Balance Transfer,� if any) that is  Program Balance (�Special Balance Transfer,� if any) that is 
                                        incorporated into this Agreement and made a part of this  incorporated into this Agreement and made a part of this  incorporated into this Agreement and made a part of this  transferred to an EMBLEM transferred to an EMBLEM transferred to an EMBLEM � � MasterCard � MasterCard MasterCard � � credit  card account  � credit  card account  credit  card account 
                                        Agreement: Agreement: Agreement:                                     (for the life of the balance). Any other balance transfer will be (for the life of the balance). Any other balance transfer will be (for the life of the balance). Any other balance transfer will be
                                                                                  Your due date is at least 25 days after the  Your due date is at least 25 days after the  Your due date is at least 25 days after the 
                                        (1) Any application, acceptance certificate or other written  (1) Any application, acceptance certificate or other written  (1) Any application, acceptance certificate or other written  treated as a Cash Advance under this Bank Credit Card  treated as a Cash Advance under this Bank Credit Card  treated as a Cash Advance under this Bank Credit Card 
                                                                                  close of each billing cycle. We will not charge  close of each billing cycle. We will not charge  close of each billing cycle. We will not charge 
                                        document (including an electronic record) that you originally  document (including an electronic record) that you originally  document (including an electronic record) that you originally  Agreement. Agreement. Agreement.
     CUSTOMER IDENTIFICATION CUSTOMER IDENTIFICATION CUSTOMER IDENTIFICATION signed or submitted in any way for this Account (your  signed or submitted in any way for this Account (your  signed or submitted in any way for this Account (your  you any interest on purchases if you pay your  you any interest on purchases if you pay your  you any interest on purchases if you pay your  ** No annual fee will be applied (at any time) if a Program  ** No annual fee will be applied (at any time) if a Program  ** No annual fee will be applied (at any time) if a Program 
                                        �Application�); �Application�); �Application�); Paying  Paying  Paying  Balance remains. Balance remains. Balance remains.
                                                                                  entire balance by the due date each month. We  entire balance by the due date each month. We  entire balance by the due date each month. We 
     PROGRAM PROGRAM PROGRAM
                                        (2) The Card and card carrier that we send with your Card; and (2) The Card and card carrier that we send with your Card; and (2) The Card and card carrier that we send with your Card; and Interest  Interest  Interest  Periodic Rates with Corresponding APRs Periodic Rates with Corresponding APRs Periodic Rates with Corresponding APRs
     IMPORTANT INFORMATION ABOUT PROCEDURES FOR  IMPORTANT INFORMATION ABOUT PROCEDURES FOR  IMPORTANT INFORMATION ABOUT PROCEDURES FOR  will begin charging interest on cash advances  will begin charging interest on cash advances  will begin charging interest on cash advances 
                                        (3) Your signature (including any electronic or digital signature)  (3) Your signature (including any electronic or digital signature)  (3) Your signature (including any electronic or digital signature) 
     OPENING A NEW ACCOUNT OPENING A NEW ACCOUNT OPENING A NEW ACCOUNT            and balance transfers (other than a Special  and balance transfers (other than a Special  and balance transfers (other than a Special  Special  Special  Special  Penalty  Penalty  Penalty 
                                        on any Application, sales slip or other evidence of indebtedness  on any Application, sales slip or other evidence of indebtedness  on any Application, sales slip or other evidence of indebtedness  Cash  Cash  Cash 
     To help the government fight the funding of terrorism and money  To help the government fight the funding of terrorism and money  To help the government fight the funding of terrorism and money 
                                        on your Account. on your Account. on your Account. Balance Transfer, which is not subject to interest)  Balance Transfer, which is not subject to interest)  Balance Transfer, which is not subject to interest)  Purchase  Purchase  Purchase  Balance  Balance  Balance  Periodic  Periodic  Periodic 
     laundering activities, Federal law requires all financial institutions  laundering activities, Federal law requires all financial institutions  laundering activities, Federal law requires all financial institutions  Advance  Advance  Advance 
                                                                                  on the transaction date.   on the transaction date.   on the transaction date.   Periodic  Periodic  Periodic  Transfer  Transfer  Transfer  Rate  Rate  Rate 
     to obtain, verify, and record information that identifies each  to obtain, verify, and record information that identifies each  to obtain, verify, and record information that identifies each  Periodic  Periodic  Periodic 
                                                                          Minimum  Minimum  Minimum  If you are charged interest, the charge will not  If you are charged interest, the charge will not  If you are charged interest, the charge will not  Rate  Rate  Rate  Periodic  Periodic  Periodic 
     person who opens an account. W hat this means for you: W hen  person who opens an account. W hat this means for you: W hen  person who opens an account. W hat this means for you: W hen  Rate  Rate  Rate 
     you open an account, we will ask for your name, street address,  you open an account, we will ask for your name, street address,  you open an account, we will ask for your name, street address,  Interest  Interest  Interest  be less than $2.50.  be less than $2.50.  be less than $2.50.  Rate*  Rate*  Rate* 
     mailing address, date of birth, and other information that will allow  mailing address, date of birth, and other information that will allow  mailing address, date of birth, and other information that will allow 
                                                                          Charge  Charge  Charge 
     us to identify you.  W e may also ask to see your driver�s  license  us to identify you.  W e may also ask to see your driver�s  license  us to identify you.  W e may also ask to see your driver�s  license  1.6658%  1.6658%  1.6658%  1.8325%  1.8325%  1.8325%  0.00%  0.00%  0.00%  2.0825%  2.0825%  2.0825% 
     or other identifying documents. or other identifying documents. or other identifying documents. For Credit  For Credit  For Credit  To learn more about factors to consider  To learn more about factors to consider  To learn more about factors to consider  (correspond-  (correspond-  (correspond-  (correspond-  (correspond-  (correspond-  (correspond-  (correspond-  (correspond-  (correspond-  (correspond-  (correspond- 
                                                                          Card Tips  Card Tips  Card Tips  when applying for or using a credit card,  when applying for or using a credit card,  when applying for or using a credit card,  ing APR of  ing APR of  ing APR of  ing APR of  ing APR of  ing APR of  ing APR of  ing APR of  ing APR of  ing APR of  ing APR of  ing APR of 
                                                                          from the  from the  from the  visit the website of the Consumer Financial  visit the website of the Consumer Financial  visit the website of the Consumer Financial  19.99%)  19.99%)  19.99%)  21.99%)  21.99%)  21.99%)  0.00%)  0.00%)  0.00%)  24.99%)  24.99%)  24.99%) 
                                                                          Consumer  Consumer  Consumer  Protection Bureau at  Protection Bureau at  Protection Bureau at 
                                                                                                                  
                                                                          Financial  Financial  Financial  http://www.consumerfinance.gov/learnmore/  http://www.consumerfinance.gov/learnmore/  http://www.consumerfinance.gov/learnmore/ 
                                                                                                            Penalty Rate: If we do not receive your required minimum  Penalty Rate: If we do not receive your required minimum  Penalty Rate: If we do not receive your required minimum 
                                                                          Protection  Protection  Protection  payment within 60 days of its due date, your Purchase and Cash  payment within 60 days of its due date, your Purchase and Cash  payment within 60 days of its due date, your Purchase and Cash 
                                                                          Bureau  Bureau  Bureau            Advance rates (but not your Special Balance Transfer rate) may  Advance rates (but not your Special Balance Transfer rate) may  Advance rates (but not your Special Balance Transfer rate) may 
                                                                                                            increase to the Penalty Rate.   The Penalty APR will cease t o increase to the Penalty Rate.   The Penalty APR will cease t o increase to the Penalty Rate.   The Penalty APR will cease t o
                               M-123534                                        
                                                                                                                                 BF_AF_BCCA_19.99_D  BF_AF_BCCA_19.99_D  BF_AF_BCCA_19.99_D 
            
                                                                                         � �    � �
      apply if we receive six consecutive minimum monthly payments  apply if we receive six consecutive minimum monthly payments  They are sometimes called �quasi- cash� transactions.  They are sometimes called �quasi- cash� transactions.  transferred to your EMBLEM transferred to your EMBLEM MasterCard  MasterCard  credit  card account  credit  card account  Communicating With You; Consent to Contact by Electronic  Communicating With You; Consent to Contact by Electronic 
      on on or before their respective payment due dates beginning  or before their respective payment due dates beginning  You may use the Account only for personal, family, or household  You may use the Account only for personal, family, or household  will not accrue any finance charge (including any Penalty APR will not accrue any finance charge (including any Penalty APR or or and Other Means: You agree that we or our servicers, agents,  and Other Means: You agree that we or our servicers, agents, 
      with the first payment due date following the effective date of the  with the first payment due date following the effective date of the  purposes. You may not use your Card or your Account for any  purposes. You may not use your Card or your Account for any  Cash Advance Fee) for the life of the balance. Cash Advance Fee) for the life of the balance. contractors, successors, or assigns may contact you as provided in contractors, successors, or assigns may contact you as provided in
      increase.  increase.              illegal transaction or any gambling transaction. W e will decline  illegal transaction or any gambling transaction. W e will decline  Calculating the Balance Subject to Interest: W e calculate the  Calculating the Balance Subject to Interest: W e calculate the  this paragraph.  this paragraph.  We may contact you for any lawful reason,  We  may contact you for any lawful reason, 
      Military Lending Act: Military Lending Act: Federal law provides important  Federal law provides important  identifiable gambling transactions.  identifiable gambling transactions.  balance subject to Interest using the �Average Daily Balance  balance subject to Interest using the �Average Daily Balance  including for the collection of amounts owed  to including for the collection of amounts owed  to us us and for the  and for the 
      protections to members of the Armed Forces and their  protections to members of the Armed Forces and their  We may refuse to authorize or accept any transaction on your  We may refuse to authorize or accept any transaction on your  (including new transactions)� method (�ADB�). W e calculate the  (including new transactions)� method (�ADB�). W e calculate the  offering  of products or services  in compliance with our Privacy  offering  of products or services  in compliance with our Privacy 
      dependents relating to extensions of consumer credit. dependents relating to extensions of consumer credit. In  In  Account if your Account is delinquent.  Account if your Account is delinquent.  ADB separately for each type of balance. To get each ADB, we  ADB separately for each type of balance. To get each ADB, we  Policy in effect from time to time. No such contact will be deemed  Policy in effect from time to time. No such contact will be deemed 
      general, the cost of consumer credit to a member of the Armed  general, the cost of consumer credit to a member of the Armed  Promise to Pay: You promise to pay us for all transactions, plus  Promise to Pay: You promise to pay us for all transactions, plus  take the beginning balance of your Account each day for each  take the beginning balance of your Account each day for each  unsolicited. W e may contact you at any address or telephone  unsolicited. W e may contact you at any address or telephone 
      Forces and his or her dependent may not exceed an annual  Forces and his or her dependent may not exceed an annual  Interest, fees and other charges due, on your Account. You  Interest, fees and other charges due, on your Account. You  type of balance, including accrued but unpaid Interest charges  type of balance, including accrued but unpaid Interest charges  number (including wireless cellular telephone or ported landline  number (including wireless cellular telephone or ported landline 
      percentage rate of 36 percent. percentage rate of 36 percent. This rate must include, as  This rate must include, as  promise to make all payments in U.S. dollars and that all checks  promise to make all payments in U.S. dollars and that all checks  attributable to such balance, add any new transactions as of the  attributable to such balance, add any new transactions as of the  telephone number) that you may provide to us from time to time.  telephone number) that you may provide to us from time to time. 
      applicable to the credit transaction or account: applicable to the credit transaction or account: The costs  The costs  or other items submitted in payment will be drawn on U.S.  or other items submitted in payment will be drawn on U.S.  date of transaction, including any applicable Cash Advance  Fees  date of transaction, including any applicable Cash Advance  Fees  W e may use any means of communication, including, but not  W e may use any means of communication, including, but not 
      associated with credit insurance premiums; fees for ancillary  associated with credit insurance premiums; fees for ancillary  financial institutions.  financial institutions.  as of the date each Cash Advance posts with us, and subtract the  as of the date each Cash Advance posts with us, and subtract the  limited to, postal mail, electronic mail, telephone or other  limited to, postal mail, electronic mail, telephone or other 
      products sold in connection with the credit transaction; any  Monthly Statements: W e will send you a statement under the 
       products sold in connection with the credit transaction; any  Monthly Statements: W e will send you a statement under the  applicable portion of any payments and credits as applicable portion of any payments and credits as of the date  of the date  technology, to reach you. You agree that we may use automatic  technology, to reach you. You agree that we may use automatic 
      application fee charged (other than certain application fees for  application fee charged (other than certain application fees for  following circumstances:  following circumstances:  those post with us. This gives us the daily balance for each type  those post with us. This gives us the daily balance for each type  dialing and announcing devices which may play recorded  dialing and announcing devices which may play recorded 
      specified credit transactions or accounts); and any participation  specified credit transactions or accounts); and any participation  messages.  W e may also send text messages to your t el eph on e .
                                        (1) At the end (1) At the end of each monthly period of approximately 30 days  of each monthly period of approximately 30 days  of  balance.   Then  we of  balance.   Then  we add  together  the  daily  balances  for the add  together  the  daily  balances  for the messages.  W e may also send text messages to your t el eph on e .
      fee charged (other than certain participation fees for a credit  fee charged (other than certain participation fees for a credit  (�Billing Cycle�) if there is a debit or credit balance on your  Billing Cycle for each type of balance and divide the total by the  Billing Cycle for each type of balance and divide the total by the 
                                         (�Billing Cycle�) if there is a debit or credit balance on your     You may contact us You may contact us at any time to ask that we not contact you  at any time to ask that we not contact you 
      card account). card account). To hear disclosures related to the Military  To hear disclosures related to the Military  Account of $1 or more;  Account of $1 or more;  number of days in the Billing Cycle. This gives us the ADB for  number of days in the Billing Cycle. This gives us the ADB for  using any one or more methods or technologies. using any one or more methods or technologies.
      Lending Act, please call this toll-free number: Lending Act, please call this toll-free number: [PHONE]. [PHONE]. (2) If we assessed a Finance Charge on a balance in your  each type of balance. Annual Percentage Rate (APR) and  each type of balance. Annual Percentage Rate (APR) and 
                                         (2) If we assessed a Finance Charge on a balance in your            Refunds: If a seller agrees to give a refund, you agree to accept  Refunds: If a seller agrees to give a refund, you agree to accept 
                                                                          Monthly Periodic Rate: The applicable Monthly Periodic Rate is  Monthly Periodic Rate: The applicable Monthly Periodic Rate is 
      Effective Date of This Agreement: This Agreement begins  on Effective Date of This Agreement: This Agreement begins  on Account; or  Account; or  a credit on your Account instead of a cash refund. a credit on your Account instead of a cash refund.
      the earlier of (i) the date that your request for a Card and  the earlier of (i) the date that your request for a Card and  (3) As otherwise required by applicable law.  (3) As otherwise required by applicable law.  equal to 1/12 of the corresponding APR. The Monthly Periodic  equal to 1/12 of the corresponding APR. The Monthly Periodic  Postdated Checks, Restricted Endorsement Checks and  Postdated Checks, Restricted Endorsement Checks and 
                                        Minimum Payment: The minimum required payment on your  Minimum Payment: The minimum required payment on your  Rate (and corresponding APR) for each type of balance is shown  Rate (and corresponding APR) for each type of balance is shown 
      Account is approved by us or (ii) the first date that we extend  Account is approved by us or (ii) the first date that we extend  Other Disputed or Qualified Payments: W e can accept late,  Other Disputed or Qualified Payments: W e can accept late, 
                                                                          above. above.
      credit to you on your Account, as evidenced by a signed sales  credit to you on your Account, as evidenced by a signed sales  Account for each Billing Cycle (�Minimum Payment�) is the sum of Account for each Billing Cycle (�Minimum Payment�) is the sum of postdated or partial payments without losing any of our rights  postdated or partial payments without losing any of our rights 
                                                                          When Interest Charges Begin to Accrue: Subject to any grace  When Interest Charges Begin to Accrue: Subject to any grace 
      slip  slip  or memorandum, a cash advance or balance transfer  or memorandum, a cash advance or balance transfer  (i) the greater of (a) one percent (1%) of your total outstanding  (i) the greater of (a) one percent (1%) of your total outstanding  under this Agreement. (A postdated check is a check dated later  under this Agreement. (A postdated check is a check dated later 
                                                                          period, periodic Interest charges on Purchases will be imposed at  period, periodic Interest charges on Purchases will be imposed at 
      transaction, or otherwise (in NY, the first date that you sign a  transaction, or otherwise (in NY, the first date that you sign a  Account balance on the Billing Cycle Closing Date (your �New  Account balance on the Billing Cycle Closing Date (your �New  than the day  it was actually presented for payment.) We are  than the day  it was actually presented for payment.) We are 
                                                                          the applicable Monthly Periodic Rate from the date  each  the applicable Monthly Periodic Rate from the date  each 
      sales slip or memorandum).  sales slip or memorandum).  Balance�) or (b) $15; plus (ii) any current billed periodic Interest  Balance�) or (b) $15; plus (ii) any current billed periodic Interest  under no obligation to hold a post dated check and under no obligation to hold a post dated check and we reserve  we reserve 
                                        charges; plus (iii) any Late Payment Fee billed to your Account in Purchase is made and will continue to accrue on unpaid balances  Purchase is made and will continue to accrue on unpaid balances 
      Signature; Acceptance of This Agreement:  You  agree that  Signature; Acceptance of This Agreement:  You  agree that  charges; plus (iii) any Late Payment Fee billed to your Account in the right to process every item presented as if dated the same  the right to process every item presented as if dated the same 
                                                                          as long as they remain unpaid. You will have a 25-day grace  as long as they remain unpaid. You will have a 25-day grace 
      any action taken by you in activating your Card, making  any action taken by you in activating your Card, making  a a the current Billing Cycle; plus (iv) the greater of (a) any past due  the current Billing Cycle; plus (iv) the greater of (a) any past due  date received by date received by us us or our check processor unless you give us  or our check processor unless you give us 
                                                                          period to repay your new balance before an Interest charge on period to repay your new balance before an Interest charge on
      payment  payment  on your Account  on your Account  or initiating any transaction  or initiating any transaction  on on amount or (b) any amount by which your New Balance exceeds  amount or (b) any amount by which your New Balance exceeds  adequate notice and a reasonable opportunity to act on it. Except  adequate notice and a reasonable opportunity to act on it. Except 
      your Account will constitute your signature on this Agreement.  your Account will constitute your signature on this Agreement.  your Credit Limit.  Purchases will be imposed if your Previous Balance is (i) zero, Purchases will be imposed if your Previous Balance is (i) zero,
                                         your Credit Limit.                                                  where such notice and opportunity is given, you may not hold us  where such notice and opportunity is given, you may not hold us 
                                        If your New Balance is less than your Minimum Payment, your  (ii) a credit balance, or (iii) paid in full by the �Payment Due (ii) a credit balance, or (iii) paid in full by the �Payment Due Date�  Date� 
      Your Credit Limit: You agree not to use your Account in  any  Your Credit Limit: You agree not to use your Account in  any  If your New Balance is less than your Minimum Payment, your  liable for depositing any postdated check. You agree not to send liable for depositing any postdated check. You agree not to send
                                                                          shown on your monthly billing statement. Interest on Cash  shown on your monthly billing statement. Interest on Cash 
      way that would cause you to go over the maximum amount of way that would cause you to go over the maximum amount of New Balance is due in full.  New Balance is due in full.  us partial payments marked �paid in full,� �without recourse,� us partial payments marked �paid in full,� �without recourse,� or or
      credit available to you at the moment you initiate a transaction  credit available to you at the moment you initiate a transaction  You may pay any or all of the amounts you owe at any time  Advances (in addition to Cash Advance Fees) will be imposed at  Advances (in addition to Cash Advance Fees) will be imposed at 
                                         You may pay any or all of the amounts you owe at any time           similar language. If you send such a payment, we may accept it  similar language. If you send such a payment, we may accept it 
                                                                          the applicable Monthly Periodic Rate from the date of each  the applicable Monthly Periodic Rate from the date of each 
      on on your Account (your �Credit Limit�). W e may refuse to  your Account (your �Credit Limit�). W e may refuse to  without penalty. You must pay at least the Minimum Payment without penalty. You must pay at least the Minimum Payment without losing any of our rights under this  Agreement.   without losing any of our rights under this  Agreement.   All  All 
                                                                          transaction and will continue to accrue on unpaid balances  as  transaction and will continue to accrue on unpaid balances  as 
      authorize or accept any transaction on your Account that would  authorize or accept any transaction on your Account that would  within 25 days of the Closing Date of the Billing Cycle (shown as within 25 days of the Closing Date of the Billing Cycle (shown as notices and written communications concerning postdated  notices and written communications concerning postdated 
                                                                          long as they remain unpaid. There is no time period within which  long as they remain unpaid. There is no time period within which 
      cause you to exceed your Credit Limit. W e may temporarily  cause you to exceed your Credit Limit. W e may temporarily  the �Payment Due Date� on your statement). the �Payment Due Date� on your statement). checks, restricted endorsement checks (including any check  checks, restricted endorsement checks (including any check 
                                                                          to pay to avoid periodic Interest charges on Cash Advances. The  to pay to avoid periodic Interest charges on Cash Advances. The 
      agree to allow you to exceed your Credit Limit; however, in that  agree to allow you to exceed your Credit Limit; however, in that  or other payment instrument that indicates that the payment  or other payment instrument that indicates that the payment 
                                        (4) Application of Payments: W e will apply payments to your  (4) Application of Payments:  W e will apply payments to your 
                                                                          minimum FINANCE CHARGE you will be required to pay in any  minimum FINANCE CHARGE you will be required to pay in any 
      case you must repay the excess amount immediately.  case you must repay the excess amount immediately.  constitutes �payment in full� of the amount owed or that is 
                                        Account in accordance with applicable law. If you make  a  Account in accordance with applicable law. If you make  a  constitutes �payment in full� of the amount owed or that is 
                                                                          billing cycle that has Finance Charge due is $2.50. billing cycle that has Finance Charge due is $2.50.
      We reserve the right  to change (to set, increase, decrease  We reserve the right  to change (to set, increase, decrease  tendered with other conditions or limitations or as full  tendered with other conditions or limitations or as full 
                                        payment in excess of the required minimum payment, we must  payment in excess of the required minimum payment, we must  ACCOUNT FEES: The fees and charges that may be applied to  ACCOUNT FEES: The fees and charges that may be applied to 
      or remove) the Credit Limit for your Account and/or for specific  or remove) the Credit Limit for your Account and/or for specific  satisfaction of a disputed amount) or any other disputed,  satisfaction of a disputed amount) or any other disputed, 
                                        apply the excess amount first to your balance with the highest  apply the excess amount first to your balance with the highest 
                                                                          your Account are set forth in the Summary of Terms above. your Account are set forth in the Summary of Terms above.
      types of Account balances from time to time. Such changes may  types of Account balances from time to time. Such changes may  nonconforming or qualified payments, must be mailed or 
                                        annual percentage rate.  annual percentage rate.                     nonconforming or qualified payments, must be mailed or 
                                                                          Late Payment Fee: If you do not make your Minimum Payment  Late Payment Fee: If you do not make your Minimum Payment 
      occur without prior written notice to you and may be based upon  occur without prior written notice to you and may be based upon  delivered to Emblem Cardholder Services, PO BOX 89210 Sioux  delivered to Emblem Cardholder Services, PO BOX 89210 Sioux 
                                        Payments are posted to your Account upon receipt; however, we  Payments are posted to your Account upon receipt; however, we 
                                                                          on or before the Payment Due Date, we will apply a Late  on or before the Payment Due Date, we will apply a Late 
      factors including, but not limited to, anti-fraud policies and  factors including, but not limited to, anti-fraud policies and  Falls, SD 57109.  Falls, SD 57109. 
                                        reserve the right not to increase your available credit by the  reserve the right not to increase your available credit by the 
                                                                          Payment Charge of up to $25 ($15 in IA) if payment is more than  Payment Charge of up to $25 ($15 in IA) if payment is more than 
      procedures, your record  procedures, your record  of making timely payments and  of making timely payments and  Credit Reports and Information: You authorize us to make any 
                                        amount of any payment received for a period of four (4) business  amount of any payment received for a period of four (4) business  Credit Reports and Information: You authorize us to make any 
                                                                          5 days late. 5 days late.
      staying within the established Credit Limit on your account with  staying within the established Credit Limit on your account with  credit, employment, or other investigative inquiries we deem  credit, employment, or other investigative inquiries we deem 
                                        days from the date of receipt to provide f or processing and/or  days from the date of receipt to provide f or processing and/or 
                                                                          Returned Check Fee:  If any check or money order in payment  Returned Check Fee:  If any check or money order in payment 
      us, your credit score and information contained in your credit  us, your credit score and information contained in your credit  appropriate to extend you credit or appropriate to extend you credit or to renew, review or collect  to renew, review or collect 
                                        verification. To speed this payment process, we make  verification. To speed this payment process, we make  a a
                                                                          of of your account is returned to your account is returned to us unpaid for any reason, we will  us unpaid for any reason, we will 
      report.  report.                  convenient expedited pay-by-phone service available to our  convenient expedited pay-by-phone service available to our  amounts owed to us on your Account. W e also may obtain follow- amounts owed to us on your Account. W e also may obtain follow-
                                                                          apply a returned check fee of up to $25 ($15 in IA) to your  apply a returned check fee of up to $25 ($15 in IA) to your 
      Your Credit Limit can be found on your latest periodic statement  Your Credit Limit can be found on your latest periodic statement  up credit reports on you for any lawful purpose as long  as you  up credit reports on you for any lawful purpose as long  as you 
                                        customers. A small fee may be charged when you use this  customers. A small fee may be charged when you use this 
                                                                          Account. Account.
      or provided upon request. You may not request an increase  or provided upon request. You may not request an increase  have an outstanding balance.  have an outstanding balance. 
                                        optional payment method. optional payment method.
                                                                          Annual  Fee:  Your account may be assessed an annual  fee   of Annual  Fee:  Your account may be assessed an annual  fee   of
      in your Credit Limit, but you may at any time request a decrease  in your Credit Limit, but you may at any time request a decrease  Information Sharing: You acknowledge and agree that we may  Information Sharing: You acknowledge and agree that we may 
                                        HOW FINANCE CHARGES ARE DETERMINED HOW FINANCE CHARGES ARE DETERMINED $25 starting 24 months after card issuance date. $25 starting 24 months after card issuance date.
      in your Credit Limit.   in your Credit Limit.                                                          share information about you with others in accordance with our  share information about you with others in accordance with our 
                                        Your finance charge will include the following, as applicable: (i) a Your finance charge will include the following, as applicable: (i) a Foreign Transaction Fee: W e will impose a fee of one percent  Foreign Transaction Fee: W e will impose a fee of one percent 
      Using Your Card or Account: You can use your Card to  Using Your Card or Account: You can use your Card to  Privacy Policy in effect from time to time. W e will provide a copy  Privacy Policy in effect from time to time. W e will provide a copy 
                                        per transaction finance charge (Cash Advance Fee) as shown  in per transaction finance charge (Cash Advance Fee) as shown  in (1%) on each (original and reversed) international purchase,  (1%) on each (original and reversed) international purchase, 
      purchase  purchase  or lease goods  or lease goods  or services (including mail,  or services (including mail,  of our current Privacy Policy to you from time to time.  of our current Privacy Policy to you from time to time. 
                                        the Summary of Terms above for each Cash Advance posted  the Summary of Terms above for each Cash Advance posted  credit voucher, and cash disbursement transaction (including  credit voucher, and cash disbursement transaction (including 
      telephone and electronic orders) from participating  telephone and electronic orders) from participating  Notice of Inaccurate Information: If you believe that we have  Notice of Inaccurate Information: If you believe that we have 
                                        during a Billing Cycle and (ii) your periodic Interest charge. W e  during a Billing Cycle and (ii) your periodic Interest charge. W e  international transactions made in U.S. dollars). This fee is  international transactions made in U.S. dollars). This fee is  a a
      establishments (�Purchase�). You also can use your Card to  establishments (�Purchase�). You also can use your Card to  information about you that is inaccurate or that we have reported  information about you that is inaccurate or that we have reported 
                                        compute periodic Interest charges applying the  applicable  compute periodic Interest charges applying the  applicable  pass-through of a fee imposed by the card association. pass-through of a fee imposed by the card association.
      obtain a cash loan (�Cash Advance�) by presenting your Card to  obtain a cash loan (�Cash Advance�) by presenting your Card to  or may report to a credit reporting agency information about you  or may report to a credit reporting agency information about you 
                                        Monthly Periodic Rate to (a) your Average Daily Balance of Cash  Monthly Periodic Rate to (a) your Average Daily Balance of Cash  OUR RIGHTS AND HOW THEY AFFECT YOU OUR RIGHTS AND HOW THEY AFFECT YOU
      any institution that accepts the Card for that purpose  or any institution that accepts the Card for that purpose  or by by that is inaccurate, please notify us of the specific information that  that is inaccurate, please notify us of the specific information that 
                                        Advances,  (b) your  Average  Daily  Balance  of  Purchases  and Advances,  (b) your  Average  Daily  Balance  of  Purchases  and Telephone Monitoring and Recording: From time to time, we  Telephone Monitoring and Recording: From time to time, we 
      making a withdrawal of cash at an ATM. Transactions made  making a withdrawal of cash at an ATM. Transactions made  you believe is inaccurate by writing to us at Emblem Cardholder  you believe is inaccurate by writing to us at Emblem Cardholder 
                                        (c) the respective average daily balances for any other types of  (c) the respective average daily balances for any other types of  may monitor and/or record telephone calls regarding your  may monitor and/or record telephone calls regarding your 
      with your Account for things like money orders, deposits, wire  with your Account for things like money orders, deposits, wire  Services, PO BOX 89210 Sioux Falls, SD 57109.  Services, PO BOX 89210 Sioux Falls, SD 57109. 
                                        balances that are subject to different  APRs.  Again, any  balances that are subject to different  APRs.  Again, any  Account with us Account with us to assure the quality of to assure the quality of our service, our service, and you  and you 
      transfer money orders, travelers cheques, foreign currency and  transfer money orders, travelers cheques, foreign currency and  Collection and Default: Unless prohibited by applicable law,  Collection and Default: Unless prohibited by applicable law, 
                                        remaining Program Balance (Special Balance Transfer) that is  remaining Program Balance (Special Balance Transfer) that is  agree to any such monitoring or recording. agree to any such monitoring or recording.
      other similar transactions, will  other similar transactions, will  be treated as Cash Advances.  be treated as Cash Advances.  your Account is considered to be in default if:  your Account is considered to be in default if: 
        
                                                                                                                                BF_AF_BCCA_19.99_E  BF_AF_BCCA_19.99_E 
     Total Card Solutions M123534 163955.indd   1                                                                                       10/19/17   2:44 PM
        
      (1) You do not make at least the Minimum Payment on or  (1) You do not make at least the Minimum Payment on or  mandated rate  mandated rate  in effect for the applicable central processing  in effect for the applicable central processing  national arbitration organization to which the Claim is referred (as  national arbitration organization to which the Claim is referred (as  any such holding.  any such holding.  If a court holds that any other part(s) of this  If a court holds that any other part(s) of this 
      before the Payment Due Date;  before the Payment Due Date;  date. The exchange or currency conversion rate on the  date. The exchange or currency conversion rate on the  in effect when the Claim is filed). Claims will be referred to either  in effect when the Claim is filed). Claims will be referred to either  Arbitration Provision (other than items (iii) and (iv)) are invalid, then  Arbitration Provision (other than items (iii) and (iv)) are invalid, then 
      (2) You try to exceed, or do exceed, your Credit Limit;  (2) You try to exceed, or do exceed, your Credit Limit;  transaction processing date  may differ from the rate in effect at  transaction processing date  may differ from the rate in effect at  Judicial Arbitration and Mediation Services (�JAMS�) or the  Judicial Arbitration and Mediation Services (�JAMS�) or the  the remaining parts of this Arbitration Provision will remain in force.  the remaining parts of this Arbitration Provision will remain in force. 
      (3) You file bankruptcy or insolvency proceedings;  (3) You file bankruptcy or insolvency proceedings;  the time of the transaction or the date the transaction is posted to  the time of the transaction or the date the transaction is posted to  American Arbitration Association (�AAA�), as selected by the  American Arbitration Association (�AAA�), as selected by the  An arbitrator will decide all other issues pertaining to arbitrability,  An arbitrator will decide all other issues pertaining to arbitrability, 
      (4) You become subject to attachment or garnishment  (4) You become subject to attachment or garnishment  your Account. You agree to accept the converted amount in U.S.  your Account. You agree to accept the converted amount in U.S.  party electing to use arbitration. Streamlined arbitration  party electing to use arbitration. Streamlined arbitration  validity, interpretation and enforceability of this Arbitration  validity, interpretation and enforceability of this Arbitration 
      proceedings;  proceedings;        dollars. dollars.                 procedures will be used if available.  If a selection by us of one of  procedures will be used if available.  If a selection by us of one of  Provision. The decision of an arbitrator is  Provision. The decision of an arbitrator is  as enforceable as any  as enforceable as any 
      (5) You give us any false information or signature;  (5) You give us any false information or signature;  Honoring Your Card: W e are not accountable if a merchant,  Honoring Your Card: W e are not accountable if a merchant,  these organizations is unacceptable to you, you have the right,  these organizations is unacceptable to you, you have the right,  court order and may be subject to very limited review by a court. An  court order and may be subject to very limited review by a court. An 
      (6) You die; or (6) You die; or   ATM or other institution does not honor your Card, or if  ATM or other institution does not honor your Card, or if  it it within 30 days after you receive notice of our election, to select the  within 30 days after you receive notice of our election, to select the  arbitrator may decide a Claim upon the submission of documents  arbitrator may decide a Claim upon the submission of documents 
      (7) You fail to comply with any portion of this Agreement.  (7) You fail to comply with any portion of this Agreement.  malfunctions there. Although you may have credit available, we  malfunctions there. Although you may have credit available, we  other organization listed to serve as arbitration administrator. For  other organization listed to serve as arbitration administrator. For  alone. A party may  request a telephonic hearing if permitted by  alone. A party may  request a telephonic hearing if permitted by 
      Subject to any notice of default and right to cure or other  Subject to any notice of default and right to cure or other  are not liable if credit is not authorized or approved, whether  are not liable if credit is not authorized or approved, whether  purposes of this Arbitration Provision, �Claim� means any claim,  purposes of this Arbitration Provision, �Claim� means any claim,  applicable rules. The exchange of non-privileged information  applicable rules. The exchange of non-privileged information 
      restriction of applicable law, if you are in default, we may  restriction of applicable law, if you are in default, we may  because of operational difficulties, mistakes or otherwise.  because of operational difficulties, mistakes or otherwise.  dispute or controversy (whether in c ontr ac t, tort, or otherwise)  dispute or controversy (whether in c ontr ac t, tort, or otherwise)  relevant to the Claim, between the parties, is permitted and  relevant to the Claim, between the parties, is permitted and 
      declare the entire balance due immediately.  declare the entire balance due immediately.  Transactions above a certain dollar amount may require special  Transactions above a certain dollar amount may require special  past, present or future, (collectively, "Claims") as further  past, present or future, (collectively, "Claims") as further  encouraged. Either party may submit relevant information,  encouraged. Either party may submit relevant information, 
      Change of Terms: Your Account is a continuing offer to extend  Change of Terms: Your Account is a continuing offer to extend  authorization by us before the transaction can be approved. In  authorization by us before the transaction can be approved. In  described below. (If for any reason a selected organization  described below. (If for any reason a selected organization  documents or exhibits to the arbitrator for consideration in deciding  documents or exhibits to the arbitrator for consideration in deciding 
      further credit to you that we may end at any time. Except as  further credit to you that we may end at any time. Except as  addition, we may limit the number and amount of transactions  addition, we may limit the number and amount of transactions  cannot, will not or ceases to serve as an arbitration administrator,  cannot, will not or ceases to serve as an arbitration administrator,  a Claim.  a Claim. 
      otherwise provided in this Agreement and  subject to applicable  otherwise provided in this Agreement and  subject to applicable  approved in one day for security reasons, without any liability to  approved in one day for security reasons, without any liability to  you or we may substitute another w i d e l y recognized arbitration  you or we may substitute another w i d e l y recognized arbitration 
                                                                                                             BROAD MEANING OF �CLAIMS.� BROAD MEANING OF �CLAIMS.� The term "Claims" in this  The term "Claims" in this 
      law, we may, at any time beginning twelve (12) months  law, we may, at any time beginning twelve (12) months  you. you. organization that uses a similar code of procedure and is mutually  organization that uses a similar code of procedure and is mutually 
                                                                                                             Arbitration Provision is to be given the broadest possible meaning  Arbitration Provision is to be given the broadest possible meaning 
      after Account opening, add, change or remove any of the  after Account opening, add, change or remove any of the  acceptable to the parties.) If you receive a Card and later default  acceptable to the parties.) If you receive a Card and later default 
                                        Notices; Change of Address, Employment or Telephone: W e  Notices; Change of Address, Employment or Telephone: W e  and includes (by way of example and without limitation) Claims  and includes (by way of example and without limitation) Claims 
      terms and conditions of this  Agreement.  A change may be  terms and conditions of this  Agreement.  A change may be  on your Account, we agree not  to on your Account, we agree not  to bring legal action or seek  bring legal action or seek 
                                        will send all written notices and statements to your address as  it will send all written notices and statements to your address as  it arising from or relating to (i) the application for or issuance of your  arising from or relating to (i) the application for or issuance of your 
      based upon factors including, but not limited to, anti- fraud  based upon factors including, but not limited to, anti- fraud  arbitration to collect any remaining Program Balance that is  arbitration to collect any remaining Program Balance that is 
                                        appears on our records. To avoid delays and missed payments  appears on our records. To avoid delays and missed payments  Account, (ii) use, terms, change in terms or addition of terms,  Account, (ii) use, terms, change in terms or addition of terms, 
      policies and procedures, your record of making timely  policies and procedures, your record of making timely  � � �  � 
                                                                          transferred to your EMBLEM transferred to your EMBLEM MasterCard MasterCard Account. Account.
                                        that could affect your credit standing, you agree to advise us  that could affect your credit standing, you agree to advise us  closing or collection of your Account or this Bank Credit Card  closing or collection of your Account or this Bank Credit Card 
      payments and staying within your established Credit Limit,  payments and staying within your established Credit Limit,  RIGHT TO REJECT ARBITRATION: You may reject this  RIGHT TO REJECT ARBITRATION: You may reject this 
                                        promptly if you change your mailing address, place of  promptly if you change your mailing address, place of  Agreement, (iii) advertisements, promotions or oral or written  Agreement, (iii) advertisements, promotions or oral or written 
      your credit score and information contained in your credit  your credit score and information contained in your credit  Arbitration Provision. If you do so, neither you nor we will  Arbitration Provision. If you do so, neither you nor we will 
                                        employment, telephone number or other contact information,  employment, telephone number or other contact information,  statements related to your Account, including any Claims  statements related to your Account, including any Claims 
      report. We will mail written notice of a change to you when  report. We will mail written notice of a change to you when  have the right to engage in arbitration.  Rejecting this  have the right to engage in arbitration.  Rejecting this 
                                        including, but not limited to, porting a landline telephone number  including, but not limited to, porting a landline telephone number  regarding information obtained by us from, or reported by us to,  regarding information obtained by us from, or reported by us to, 
      and  in the manner required by applicable law. Subject to the  and  in the manner required by applicable law. Subject to the  Arbitration Provision will have no affect on any of the other  Arbitration Provision will have no affect on any of the other 
                                        to a cellular phone. You represent and agree that for purposes of  to a cellular phone. You represent and agree that for purposes of  credit reporting agencies or others, (iv) the goods or insurance or credit reporting agencies or others, (iv) the goods or insurance or
      limitations of applicable law,  as limitations of applicable law,  as of the stated effective date,  of the stated effective date,  provisions  in this Bank Credit Card Agreement. To reject this  provisions  in this Bank Credit Card Agreement. To reject this 
                                        imposing fees and charges, the mailing address on your  imposing fees and charges, the mailing address on your  other services purchased under your Account, (v)  Claims  other services purchased under your Account, (v)  Claims 
      the changed or new terms will apply to new Purchases, Cash  the changed or new terms will apply to new Purchases, Cash  Arbitration Provision, you must send us your written rejection  Arbitration Provision, you must send us your written rejection 
                                        statement is your state of residence. statement is your state of residence. between you and our parent corporations, wholly or majority  between you and our parent corporations, wholly or majority 
      Advances and other transactions. Advances and other transactions.   within 60 days after we open your Account, or 60 days after any within 60 days after we open your Account, or 60 days after any
                                        Severability: In the event that any provision of this Agreement is Severability: In the event that any provision of this Agreement is owned subsidiaries, affiliates, predecessors, successors, assigns,  owned subsidiaries, affiliates, predecessors, successors, assigns, 
      Delay in Enforcement: W e can delay enforcing our rights  Delay in Enforcement: W e can delay enforcing our rights  change in terms that affects this Arbitration Provision, to Emblem  change in terms that affects this Arbitration Provision, to Emblem 
                                        determined to determined to be invalid or unenforceable for any reason, the  be invalid or unenforceable for any reason, the  agents, independent contractors, employees, officers, directors or agents, independent contractors, employees, officers, directors or
      under this Agreement without losing them. under this Agreement without losing them. Cardholder Services, PO BOX 89210 Sioux Falls, SD 57109.  Cardholder Services, PO BOX 89210 Sioux Falls, SD 57109. 
                                        validity or enforceability of any other provision of this Agreement  validity or enforceability of any other provision of this Agreement  representatives arising from your Account or this Bank Credit  representatives arising from your Account or this Bank Credit 
      OTHER PROVISIONS OTHER PROVISIONS                                   In your letter, you must give us the following information: Name,  In your letter, you must give us the following information: Name, 
                                        will not be affected, and will not be affected, and in lieu of such invalid or unenforceable  in lieu of such invalid or unenforceable  Card Agreement and (vi) Claims regarding the validity,  Card Agreement and (vi) Claims regarding the validity, 
      Transfer and Termination of Your Account: You may not  Transfer and Termination of Your Account: You may not  Address and Account number. The right to reject granted here  Address and Account number. The right to reject granted here 
                                        provision there will be added automatically, as part of this  provision there will be added automatically, as part of this  enforceability or scope of this Arbitration Provision or this Bank  enforceability or scope of this Arbitration Provision or this Bank 
      transfer your Account to any other person. W e may assign your  transfer your Account to any other person. W e may assign your  applies solely to this Arbitration Provision, and not to any other  applies solely to this Arbitration Provision, and not to any other 
                                        Agreement, a provision as similar in terms as may be valid and  Agreement, a provision as similar in terms as may be valid and  Credit Card Agreement.  Credit Card Agreement. 
      Account to any other person at any time. W e may terminate  Account to any other person at any time. W e may terminate  provision of this Bank Credit Card Agreement, or to any other  provision of this Bank Credit Card Agreement, or to any other 
                                        enforceable, if possible. enforceable, if possible.                  ARBITRATION PROCEDURE AND COSTS.    For a ARBITRATION PROCEDURE AND COSTS.    For a copy   of copy   of
      your Account if you are or become a non-U.S. resident or a  your Account if you are or become a non-U.S. resident or a  agreement with us.  In the event of a dispute over whether you  agreement with us.  In the event of a dispute over whether you 
                                        No Waiver By Us: W e reserve the right, at any time and in our  No Waiver By Us: W e reserve the right, at any time and in our  relevant codes of procedure, to file a Claim or for other  relevant codes of procedure, to file a Claim or for other 
      resident of Illinois, Indiana, Massachusetts, Maine, North  resident of Illinois, Indiana, Massachusetts, Maine, North  have provided a timely rejection notice, you must provide proof of have provided a timely rejection notice, you must provide proof of
                                        sole discretion, not to impose part or all of any fee or other  sole discretion, not to impose part or all of any fee or other  information about JAMS and AAA, write them, visit their web site  information about JAMS and AAA, write them, visit their web site 
      Carolina, Rhode Island, West Virginia or any U.S. territory.  Carolina, Rhode Island, West Virginia or any U.S. territory.  delivery. Neither party may elect to arbitrate an individual Claim  delivery. Neither party may elect to arbitrate an individual Claim 
                                        amount imposed pursuant to this Agreement or not to exercise  amount imposed pursuant to this Agreement or not to exercise  or call them at: (i) for JAMS, 1920 Main Street, Suite 300, Irvine,  or call them at: (i) for JAMS, 1920 Main Street, Suite 300, Irvine, 
      Either you or we may terminate or suspend your credit  Either you or we may terminate or suspend your credit  brought in small claims court (or your state�s equivalent court, if  brought in small claims court (or your state�s equivalent court, if 
                                        any of our other rights under this Agreement. If we exercise the  any of our other rights under this Agreement. If we exercise the  CA 92614 or info@jamsadr.com, CA 92614 or info@jamsadr.com, http://www.jamsadr.com, 1-800-  http://www.jamsadr.com , 1-800- 
      privileges at any time. Upon our request, you agree to destroy  privileges at any time. Upon our request, you agree to destroy  any). However, if a Claim that is brought in small claims court is any). However, if a Claim that is brought in small claims court is
                                        foregoing right, we will not waive our right to impose any such fee  foregoing right, we will not waive our right to impose any such fee  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor, New York,  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor, New York, 
      your Card immediately. your Card immediately.                       transferred or appealed to a different court, either party may elect  transferred or appealed to a different court, either party may elect 
                                        or other amount or our right to exercise the foregoing right or any  or other amount or our right to exercise the foregoing right or any  NY 10019 or  NY 10019 or  websitemail@adr.org, websitemail@adr.org, http://www.adr.org, 1-800-  http://www.adr.org, 1-800- 
      Account Cancellation and Fee Refund: You may ask that we  Account Cancellation and Fee Refund: You may ask that we  arbitration.  arbitration. 
                                        other rights, in the future. other rights, in the future.            778-7879. If either party fails to submit to arbitration following  778-7879. If either party fails to submit to arbitration following  a a
      close your Account at any time by notifying us in writing. Except  close your Account at any time by notifying us in writing. Except  SIGNIFICANCE OF ARBITRATION; LIMITATIONS  SIGNIFICANCE OF ARBITRATION; LIMITATIONS  AND AND
                                        Entire Agreement; Interpretation: This Agreement constitutes  Entire Agreement; Interpretation: This Agreement constitutes  proper demand to do so, that party will bear the costs and  proper demand to do so, that party will bear the costs and 
      as provided below, you will remain responsible for all  as provided below, you will remain responsible for all  RESTRICTIONS. IF YOU OR WE CHOOSE TO RESOLVE  A RESTRICTIONS. IF YOU OR WE CHOOSE TO RESOLVE  A
                                        the final expression of the credit agreement between you and us  the final expression of the credit agreement between you and us  expenses, including reasonable attorneys� fees, incurred by the  expenses, including reasonable attorneys� fees, incurred by the 
      transactions, periodic Interest charges, and other fees and  transactions, periodic Interest charges, and other fees and  CLAIM BY BINDING ARBITRATION, NEITHER YOU NOR WE  CLAIM BY BINDING ARBITRATION, NEITHER YOU NOR WE 
                                        relating to your Account. The headings used in this Agreement  relating to your Account. The headings used in this Agreement  party compelling arbitration. Any physical arbitration hearing that  party compelling arbitration. Any physical arbitration hearing that 
      charges, charged to your Account until paid in full. W e will credit  charges, charged to your Account until paid in full. W e will credit  WILL HAVE THE RIGHT TO (i) HAVE A COURT OR JURY  WILL HAVE THE RIGHT TO (i) HAVE A COURT OR JURY 
                                        are for the convenience of reference only and are not intended to  are for the convenience of reference only and are not intended to  you attend will be held in the federal judicial district where you live  you attend will be held in the federal judicial district where you live 
      fees  to your Account ONLY  IF (i) you close your Account  fees  to your Account ONLY  IF (i) you close your Account  DECIDE THE CLAIM BEING ARBITRATED (ii) ENGAGE IN  DECIDE THE CLAIM BEING ARBITRATED (ii) ENGAGE IN 
                                        define or describe the entire scope or intent of any portion of this  define or describe the entire scope or intent of any portion of this  at the time the Claim is filed. The party initiating the  arbitration  at the time the Claim is filed. The party initiating the  arbitration 
      within 30 days of Account opening and (ii) you make no new  within 30 days of Account opening and (ii) you make no new  PRE-ARBITRATION DISCOVERY (THAT IS, THE RIGHT TO  PRE-ARBITRATION DISCOVERY (THAT IS, THE RIGHT TO 
                                        Agreement. Agreement.                                                will pay the filing fee. You may seek a waiver of the initial  filing  will pay the filing fee. You may seek a waiver of the initial  filing 
      Purchase or Cash Advance transactions on your Account after  Purchase or Cash Advance transactions on your Account after  OBTAIN INFORMATION FROM THE OTHER PARTY) TO THE  OBTAIN INFORMATION FROM THE OTHER PARTY) TO THE 
                                        Governing Law: This Agreement is controlled and governed  Governing Law: This Agreement is controlled and governed  fee or any other fees incurred in arbitration. If you seek, but  do fee or any other fees incurred in arbitration. If you seek, but  do
      opening. After this 30-day period, all fees are no longer  opening. After this 30-day period, all fees are no longer  SAME   EXTENT   THAT   YOU   OR  WE   COULD  IN  COURT, SAME   EXTENT   THAT   YOU   OR  WE   COULD  IN  COURT,
                                        the laws of the State of Missouri, including Missouri Revised  the laws of the State of Missouri, including Missouri Revised  not qualify for, a waiver, we will consider any written request by not qualify for, a waiver, we will consider any written request by
      avoidable or refundable. avoidable or refundable.                   (iii) PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF  (iii) PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF 
                                        Statutes (Chapter 408 Legal Tender and Interest) Section  Statutes (Chapter 408 Legal Tender and Interest) Section  you for us you for us to pay or reimburse you for all or part of such fees.  to pay or reimburse you for all or part of such fees. 
      Foreign Currency Conversion: If you use your Card for  Foreign Currency Conversion: If you use your Card for  ANY CLASS OF CLAIMANTS IN A CLASS ACTION, IN COURT  ANY CLASS OF CLAIMANTS IN A CLASS ACTION, IN COURT 
                                        408.145, except to the extent that such laws are inconsistent  408.145, except to the extent that such laws are inconsistent  Each party will pay for its respective attorneys�, experts� and  Each party will pay for its respective attorneys�, experts� and 
      transactions in a currency other than U.S. dollars, the  transactions in a currency other than U.S. dollars, the  OR IN ARBITRATION, RELATING TO ANY CLAIM SUBJECT  OR IN ARBITRATION, RELATING TO ANY CLAIM SUBJECT 
                                        with controlling federal laws. with controlling federal laws.        witness fees, regardless of which party prevails in the arbitration.  witness fees, regardless of which party prevails in the arbitration. 
      transactions will be converted to U.S. dollars under the  transactions will be converted to U.S. dollars under the  TO ARBITRATION OR (iv) JOIN OR CONSOLIDATE CLAIMS  TO ARBITRATION OR (iv) JOIN OR CONSOLIDATE CLAIMS 
                                        ARBITRATION PROVISION (AGREEMENT  ARBITRATION PROVISION (AGREEMENT  TO TO A party may recover any or all expenses from another party if the  A party may recover any or all expenses from another party if the 
      appropriate current card association regulations. The  appropriate current card association regulations. The  OTHER THAN YOUR OWN OR OUR OWN. OTHER RIGHTS  OTHER THAN YOUR OWN OR OUR OWN. OTHER RIGHTS 
                                                                                                             arbitrator, applying applicable law, so determines. Allocation  of arbitrator, applying applicable law, so determines. Allocation  of
      e xc h an g e or currency conversion rate between the transaction  e xc h an g e or currency conversion rate between the transaction  ARBITRATE CLAIMS) ARBITRATE CLAIMS) AVAILABLE IN COURT MAY NOT BE AVAILABLE IN  AVAILABLE IN COURT MAY NOT BE AVAILABLE IN 
                                                                                                             fees and costs relating to appeals in arbitration will be handled in  fees and costs relating to appeals in arbitration will be handled in 
      currency and the billing currency will  currency and the billing currency will  be either (i) a rate  be either (i) a rate  Unless you are a �covered borrower,� as defined under the Military  Unless you are a �covered borrower,� as defined under the Military  ARBITRATION. Except as set forth below, the  ARBITRATION. Except as set forth below, the  arbitrator�s  arbitrator�s 
                                                                                                             the same manner. For an explanation and schedule of the fees  the same manner. For an explanation and schedule of the fees 
      selected  selected  by the card association from the range of rates  by the card association from the range of rates  Lending Act, 10 U.S.C. �987, as amended, and except  Lending Act, 10 U.S.C. �987, as amended, and except  as as decision will be final and binding. Only a court may decide the  decision will be final and binding. Only a court may decide the 
                                                                                                             that apply to that apply to an arbitration proceeding with JAMS, please visit  an arbitration proceeding with JAMS, please visit 
      available in wholesale currency markets for the applicable  available in wholesale currency markets for the applicable  otherwise stated below, if you or otherwise stated below, if you or we we so choose, any Claim (as  so choose, any Claim (as  validity of items (iii) and (iv) above. If a court holds that items (iii)  validity of items (iii) and (iv) above. If a court holds that items (iii) 
                                                                                                             http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, http://www.jamsadr.com/rules-streamlined-arbitration; for AAA,
      central processing date, which rate may vary from the rate the  central processing date, which rate may vary from the rate the  defined below) will be resolved by binding arbitration pursuant to  defined below) will be resolved by binding arbitration pursuant to  or (iv) are limited, invalid or unenforceable, then this entire  or (iv) are limited, invalid or unenforceable, then this entire 
                                                                                                             visit  visit  http://www.adr.org/si.asp?id=5391. The appropriate fee  http://www.adr.org/si.asp?id=5391. The appropriate fee 
      card association itself receives,  card association itself receives,  or (ii) the government- or (ii) the government- (a) this Arbitration Provision and (b) the code of procedure of the  (a) this Arbitration Provision and (b) the code of procedure of the  Arbitration Provision will be null and void. You or we can appeal  Arbitration Provision will be null and void. You or we can appeal 
                                                                                                                                 BF_AF_BCCA_19.99_D  BF_AF_BCCA_19.99_D 
        
        
      schedule in effect from time to time is hereby incorporated by  schedule in effect from time to time is hereby incorporated by  separate histories on each individual upon request. The Ohio civil  separate histories on each individual upon request. The Ohio civil  � � At least 3 business days before an automated payment is At least 3 business days before an automated payment is Services PO BOX 89210  Services PO BOX 89210 
      reference into this Arbitration Provision. The cost of arbitration  reference into this Arbitration Provision. The cost of arbitration  rights commission administers compliance with this law.  rights commission administers compliance with this law.  scheduled, if you want to stop payment on the amount you  scheduled, if you want to stop payment on the amount you  Sioux Falls, SD 57109  Sioux Falls, SD 57109 
      may be higher or lower than the cost of bringing your Claim in  may be higher or lower than the cost of bringing your Claim in   NY RESIDENTS: New York residents may contact the New   NY RESIDENTS: New York residents may contact the New  think is wrong. think is wrong.
                                                                                                             While we investigate, the same rules apply to the disputed  While we investigate, the same rules apply to the disputed 
      court, depending upon the nature  of your Claim and how  court, depending upon the nature  of your Claim and how  York state banking department to obtain comparative listing of  York state banking department to obtain comparative listing of  You must notify us of any potential errors in writing. You may call  You must notify us of any potential errors in writing. You may call  amount as discussed above.  After we finish our investigation,  amount as discussed above.  After we finish our investigation, 
      the arbitration proceeds. Having more than one Claim and  the arbitration proceeds. Having more than one Claim and  credit card rates, fees, and grace periods. Call 1-800-518-8866.   credit card rates, fees, and grace periods. Call 1-800-518-8866.   us, but us, but if you do if you do we are not required to investigate any potential  we are not required to investigate any potential  we will tell you our decision. we will tell you our decision.
      holding face-to-face hearings can increase the cost of  holding face-to-face hearings can increase the cost of 
                                        WI RESIDENTS: W e will not charge you attorneys� fees, court  WI RESIDENTS: W e will not charge you attorneys� fees, court  errors and you may have to pay the amount in question. errors and you may have to pay the amount in question.
      arbitration. Again, neither you nor we will be permitted to  arbitration. Again, neither you nor we will be permitted to 
                                        costs, or other collection costs incurred as a result of your default.  costs, or other collection costs incurred as a result of your default.  What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter
      arbitrate claims on a class- wide (that is,  on other than  an arbitrate claims on a class- wide (that is,  on other than  an When we receive your letter, we must do two things: When we receive your letter, we must do two things:
      individual) basis. An arbitration proceeding can decide only  individual) basis. An arbitration proceeding can decide only  MARRIED WI RESIDENTS: No provisions of any marital  MARRIED WI RESIDENTS: No provisions of any marital 
                                                                          1.  1.  Within 30 days of receiving your letter, we must tell you that  Within 30 days of receiving your letter, we must tell you that 
      your or our Claims. You cannot join other parties (or  your or our Claims. You cannot join other parties (or  property agreement, unilateral statement under section 766.59 or  property agreement, unilateral statement under section 766.59 or 
                                                                             we received your letter. W e will also tell you if we have  we received your letter. W e will also tell you if we have 
      consolidate Claims) except with respect to persons who use  consolidate Claims) except with respect to persons who use  court decree under section 766.70 will adversely affect the interest  court decree under section 766.70 will adversely affect the interest 
                                                                             already corrected the error. already corrected the error.
      your Account.  your Account.      of the creditor unless the creditor, prior to the time credit is  of the creditor unless the creditor, prior to the time credit is 
                                                                          2.  2.  Within 90 days of receiving your letter, we must either  Within 90 days of receiving your letter, we must either 
                                        granted, is furnished a copy of the agreement, statement, or  granted, is furnished a copy of the agreement, statement, or 
       GOVERNING LAW FOR ARBITRATION. This Arbitration  GOVERNING LAW FOR ARBITRATION. This Arbitration  correct the error or explain to you why we believe the bill  is correct the error or explain to you why we believe the bill  is
                                        decree or has actual knowledge of the adverse position when the  decree or has actual knowledge of the adverse position when the 
       Provision is made pursuant to a transaction involving  Provision is made pursuant to a transaction involving  correct. correct.
                                        obligation to the creditor is incurred. W e are required to ask you to  obligation to the creditor is incurred. W e are required to ask you to 
       interstate commerce, and will be governed by the Federal  interstate commerce, and will be governed by the Federal  While we investigate whether or not there has been an error: While we investigate whether or not there has been an error:
                                        provide the name and address of your spouse.  provide the name and address of your spouse. 
       Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq., as amended,  Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq., as amended,  � � We cannot try to collect the amount in question, or report  We cannot try to collect the amount in question, or report 
                                        DE and MD RESIDENTS: Finance charges will be imposed in  DE and MD RESIDENTS: Finance charges will be imposed in 
       notwithstanding any other governing law provision in this Bank  notwithstanding any other governing law provision in this Bank  you as delinquent on that amount. you as delinquent on that amount.
       Credit  Card Agreement. The arbitrator will apply applicable  Credit  Card Agreement. The arbitrator will apply applicable  amounts or at rates not in excess of those permitted by law on the  amounts or at rates not in excess of those permitted by law on the 
                                                                          � � The charge in question may remain on your statement,  and The charge in question may remain on your statement,  and
       substantive law consistent with the FAA and applicable  substantive law consistent with the FAA and applicable  outstanding balances from month to month.  outstanding balances from month to month.  we may continue to charge you interest on that amount. we may continue to charge you interest on that amount.
       statutes of limitations and will honor claims of privilege  statutes of limitations and will honor claims of privilege  MD RESIDENTS: You have the right under Section 12-510 of the  MD RESIDENTS: You have the right under Section 12-510 of the  � � While you do not have to pay the amount in question, you  While you do not have to pay the amount in question, you 
       recognized at law. Judgment upon any arbitration award may  recognized at law. Judgment upon any arbitration award may  Commercial Law Code to receive an answer to a written inquiry  Commercial Law Code to receive an answer to a written inquiry  are responsible for the remainder of your balance. are responsible for the remainder of your balance.
       be entered and enforced, including without limitation by  be entered and enforced, including without limitation by  concerning the status of your account.  concerning the status of your account.  � � W e can apply any unpaid amount against your credit limit.  W e can apply any unpaid amount against your credit limit. 
       garnishment, attachment, foreclosure  or other post-judgment  garnishment, attachment, foreclosure  or other post-judgment 
                                        NOTICE TO THE BUYER NOTICE TO THE BUYER After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen:
       remedies, in any court  having jurisdiction. The arbitrator�s remedies, in any court  having jurisdiction. The arbitrator�s � � If we made a mistake: You will not have to pay the amount  If we made a mistake: You will not have to pay the amount 
                                        1. DO NOT SIGN THIS CREDIT AGREEMENT 1. DO NOT SIGN THIS CREDIT AGREEMENT
       decision will be final and binding, except for any right of appeal  decision will be final and binding, except for any right of appeal  in question or any interest or other fees related to that  in question or any interest or other fees related to that 
       provided by the FAA, in which case any party can appeal the  provided by the FAA, in which case any party can appeal the  BEFORE YOU READ IT OR IF IT CONTAINS ANY  BEFORE YOU READ IT OR IF IT CONTAINS ANY 
                                                                             amount. amount.
       award to a three-arbitrator panel administered by the selected  award to a three-arbitrator panel administered by the selected  BLANK SPACES. BLANK SPACES. � � If we do not believe there was a mistake: You will have  If we do not believe there was a mistake: You will have 
       arbitration administrator. The panel will reconsider de novo  arbitration administrator. The panel will reconsider de novo 
                                        2. YOU ARE ENTITLED TO A COMPLETELY 2. YOU ARE ENTITLED TO A COMPLETELY to pay the amount in question, along with applicable interest and  to pay the amount in question, along with applicable interest and 
       (that is, without deference to the ruling of the original  (that is, without deference to the ruling of the original  fees. We will send you a statement of the amount you owe and  fees. We will send you a statement of the amount you owe and 
                                        FILLED IN COPY OF THIS CREDIT AGREEMENT. FILLED IN COPY OF THIS CREDIT AGREEMENT.
       arbitration) any aspect of the initial award requested by the  arbitration) any aspect of the initial award requested by the  the date payment is due.  We may then report you as delinquent  the date payment is due.  We may then report you as delinquent 
       appealing party. appealing party. 3. YOU MAY AT ANY TIME PAY MORE THAN  3. YOU MAY AT ANY TIME PAY MORE THAN 
                                                                          if you do not pay the amount we think you owe. if you do not pay the amount we think you owe.
       CONTINUED EFFECT OF ARBITRATION PROVISION. CONTINUED EFFECT OF ARBITRATION PROVISION. This  This  THE MINIMUM PAYMENT OR YOUR ENTIRE  THE MINIMUM PAYMENT OR YOUR ENTIRE  If you receive our explanation but still believe your bill is wrong,  If you receive our explanation but still believe your bill is wrong, 
       Arbitration Provision will continue to govern any Claims that  Arbitration Provision will continue to govern any Claims that 
                                        BALANCE IN FULL WITHOUT INCURRING ANY  BALANCE IN FULL WITHOUT INCURRING ANY  you must write to us within 10 days telling us that you still refuse  you must write to us within 10 days telling us that you still refuse 
       may arise without regard to any termination or cancellation of  may arise without regard to any termination or cancellation of  to pay. If you do so, we cannot report you as delinquent without  to pay. If you do so, we cannot report you as delinquent without 
                                        ADDITIONAL CHARGE FOR PREPAYMENT. ADDITIONAL CHARGE FOR PREPAYMENT.
       your Account. If any portion of this Arbitration Provision (other   your Account. If any portion of this Arbitration Provision (other   also reporting that you are questioning your bill. W e must tell you  also reporting that you are questioning your bill. W e must tell you 
       than the provisions prohibiting class-wide arbitration, joinder or  than the provisions prohibiting class-wide arbitration, joinder or  NY RESIDENTS:  RETAIL INSTALMENT CREDIT NY RESIDENTS:  RETAIL INSTALMENT CREDIT
                                                                          the name of anyone to whom we reported you as delinquent, and  the name of anyone to whom we reported you as delinquent, and 
       consolidation) is deemed invalid or unenforceable under the  consolidation) is deemed invalid or unenforceable under the  AGREEMENT AGREEMENT we must let those organizations know when the matter has been  we must let those organizations know when the matter has been 
       FAA, it will not invalidate the remaining portions of this  FAA, it will not invalidate the remaining portions of this 
                                        CARDHOLDER:  CARDHOLDER:  Your signature (including any electronic or  Your signature (including any electronic or  settled between us. settled between us.
       Arbitration Provision. If a conflict or inconsistency arises  Arbitration Provision. If a conflict or inconsistency arises 
                                        digital signature) on any Application or on any sales slip or other  digital signature) on any Application or on any sales slip or other  If we do not follow all of the rules above, you do not have to pay  If we do not follow all of the rules above, you do not have to pay 
       between the code of procedures of the selected arbitration  between the code of procedures of the selected arbitration 
                                        evidence of indebtedness on your Account represents your  evidence of indebtedness on your Account represents your  the first $50 of the amount you question even if your bill is correct.  the first $50 of the amount you question even if your bill is correct. 
       administrator and this Arbitration Provision, this Arbitration  administrator and this Arbitration Provision, this Arbitration 
                                        signature on this Agreement. signature on this Agreement. Your Rights If You Are Dissatisfied With Your Credit Card  Your Rights If You Are Dissatisfied With Your Credit Card 
       Provision will control.  Provision will control. 
                                        BANK: /s/ Mid America Bank & Trust Company, Dixon, MO BANK: /s/ Mid America Bank & Trust Company, Dixon, MO Purchases Purchases
       STATE NOTICES STATE NOTICES
                                        Date: September 2017 Date: September 2017 If you are dissatisfied with the goods or services that you have  If you are dissatisfied with the goods or services that you have 
                                        BILLING RIGHTS NOTICE BILLING RIGHTS NOTICE purchased with your credit card and you have tried in good f ait h  purchased with your credit card and you have tried in good f ait h 
       CA RESIDENTS: A married applicant may apply for a  CA RESIDENTS: A married applicant may apply for a 
                                        Your Billing Rights: Keep This Document For Future Use Your Billing Rights: Keep This Document For Future Use to correct the problem with the merchant, you may have the right  to correct the problem with the merchant, you may have the right 
       separate account. If this is a joint account, after credit approval,  separate account. If this is a joint account, after credit approval, 
                                        This notice tells you about your rights  and our responsibilities  This notice tells you about your rights  and our responsibilities  not to pay the remaining amount due on the purchase. not to pay the remaining amount due on the purchase.
       each applicant shall have the right to use this account to the  each applicant shall have the right to use this account to the 
                                        under the Fair Credit Billing Act. under the Fair Credit Billing Act. To use this right, all of the following must be true: To use this right, all of the following must be true:
       extent of any credit limit set by the creditor, and each applicant  extent of any credit limit set by the creditor, and each applicant 
                                        What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement 1. The purchase must have been made in your home state or  1. The purchase must have been made in your home state or 
       may be liable for all amounts of credit extended under this  may be liable for all amounts of credit extended under this 
                                        If you think there is an error on your statement, write to us at:  If you think there is an error on your statement, write to us at:  within 100 miles of your current mailing address, and the  within 100 miles of your current mailing address, and the 
       account to any joint applicant. Interest is compounded on account to any joint applicant. Interest is compounded on
                                        Emblem Cardholder Services Emblem Cardholder Services purchase price must have been more than $50.  (Note: Neither  purchase price must have been more than $50.  (Note: Neither 
       unpaid finance charges on Purchases and on unpaid finance  unpaid finance charges on Purchases and on unpaid finance 
                                        PO BOX 89210 PO BOX 89210          of these are necessary if your purchase was b a s e d on an  of these are necessary if your purchase was b a s e d on an 
       charges on Cash Advances. charges on Cash Advances.    
                                        Sioux Falls, SD 57109 Sioux Falls, SD 57109 advertisement we mailed to you, or if we own the company that  advertisement we mailed to you, or if we own the company that 
       NJ RESIDENTS: Because certain provisions of this  NJ RESIDENTS: Because certain provisions of this 
                                        In your letter, give us the following information: In your letter, give us the following information: sold you the goods or services.) sold you the goods or services.)
       Agreement are subject to applicable law, they may be void,  Agreement are subject to applicable law, they may be void, 
                                        � � Account information: Your name and account number. Account information: Your name and account number. 2. You must have used your credit card for the purchase.  2. You must have used your credit card for the purchase. 
       unenforceable or inapplicable in some jurisdictions. None of  unenforceable or inapplicable in some jurisdictions. None of  Purchases made with cash advances from an ATM or with a  Purchases made with cash advances from an ATM or with a 
                                        � � Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error.
       these provisions, however, is void, unenforceable or  these provisions, however, is void, unenforceable or  check that accesses your credit card account do not qualify.  check that accesses your credit card account do not qualify. 
                                        � � Description of problem: If you think there is an error on your  Description of problem: If you think there is an error on your 
       inapplicable in New Jersey.  inapplicable in New Jersey.            3. You must not yet have fully paid for the purchase.  3. You must not yet have fully paid for the purchase. 
                                          bill, describe what you believe is wrong and why you believe  bill, describe what you believe is wrong and why you believe 
      OH RESIDENTS: The Ohio laws against discrimination require  OH RESIDENTS: The Ohio laws against discrimination require  If all of the criteria above are met and you are still dissatisfied  If all of the criteria above are met and you are still dissatisfied 
                                          it is a mistake. it is a mistake.
      that all creditors make credit equally available to all  credit  that all creditors make credit equally available to all  credit  with the purchase, contact us in writing at:  with the purchase, contact us in writing at: 
                                        You must contact us: You must contact us:
      worthy customers, and that credit reporting agencies maintain worthy customers, and that credit reporting agencies maintain Emblem Cardholder  Emblem Cardholder 
                                        � � Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement.
        
                                                                                                                                BF_AF_BCCA_19.99_E  BF_AF_BCCA_19.99_E 
     Total Card Solutions M123534 163955.indd   2                                                                                       10/19/17   2:44 PM