Genesis Credit® Account 
First Electronic Bank 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

29.90% 

Paying Interest 

We will begin charging interest on purchases on the transaction date. 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Consumer Financial 
Protection Bureau at  
http://www.consumerfinance.gov/learnmore. 

Fees 

Annual Fee 
Penalty Fees 

None 

•  Late Payment 
•  Returned Payment 

Up to $39 
Up to $39 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including new 
purchases)”.    See  the  “How  Interest  Charges  are  Determined”  section  of  the  Genesis  Credit  Account 
Agreement below for more details. 

Billing  Rights:    Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is 
provided in  the  “Your  Billing  Rights  –  Keep  This  Notice  for  Future  Use”  section  of  the  Genesis  Credit 
Account Agreement below. 

Genesis Credit® Account Agreement 

Dear Accountholder: 

This Agreement, as defined below, is your contract for your Account and: 

•  Covers the terms that govern the use of your Genesis Credit Account; 
•  Outlines both your responsibilities and ours; 
• 
• 
• 

Includes certain disclosures required by the Federal Truth in Lending Act;  
Includes certain disclosures required by the Federal Military Lending Act; 
Includes  an  Arbitration  of  Disputes  Provision  that  will  substantially  affect  your  rights 
unless you reject it, and; 

•  Contains important information about your Account. 

We encourage you to read the Agreement and keep it for your records.  Please feel free to call us 
with any questions you may have.  We look forward to serving you. 

This Agreement begins on the earlier of (1) the date we approve your Application, or (2) the first date that 
we  extend  Credit  to  you  on  your  Account,  as  evidenced  by  a  signed  sales  slip  or  other  evidence  of 
indebtedness. 

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DEFINITIONS 

To  simplify  this  Agreement  for  you,  the  definitions  listed  below  will  apply  throughout,  both  in  this 
Agreement  and  in  your  monthly  statements.    In  addition,  the  words  you,  your,  and  yours  refer  to  the 
Accountholder(s) who hold(s) the Account Number and is responsible for the Account, each of whom is 
individually and jointly obligated under this Agreement.  The words we, us, and our refer to First Electronic 
Bank. 

Account:  Genesis Credit Account for which you were issued an Account Number and that is subject to all 
of the terms and conditions of this Agreement. 

Account Number:  The Account Number we issue that you may use to make Purchases from Retailer. Use 
of your Account Number to obtain Credit will be considered a use of the Account. 

Accountholder: The person to whom an Account Number is issued, or who has agreed to pay obligations 
arising from an Account Number issued to another person.  

Agreement:    Your  contract  with  us  for  your  Account,  which  is  composed  of  your  Application,  and  the 
Account opening disclosures and this Account Agreement.  Any sales slip or other evidence of indebtedness 
on your Account is incorporated into and made part of this Agreement. 

Application:    The  form  with  information that  you  submitted to  apply  for  your Account,  including  your 
signature (in any form – wet signed, electronic, or digital), and any acceptance certificate or other request 
that you signed or otherwise submitted to obtain this Account. 

Billing Cycle: The time interval covered by a monthly statement. Each Billing Cycle is approximately 30 
days in length. 

Card: Any branded Card we issue that you may use to purchase goods or services from Retailer. Use of 
your Card to obtain Credit will be considered use of the Account. 

Closing Date: The date of the last day of a Billing Cycle. 

Covered Borrower: Certain members of the Armed Forces and their dependents who are protected by the 
Military Lending Act. 

Credit: The credit extension you receive under this Agreement. 

Credit Limit: The maximum amount of Credit available to you on your Account. Your Account Credit 
Limit will be disclosed to you on the monthly statements. 

New  Balance:  The  total  outstanding  Account  balance  on  the  Closing  Date  specified  in  your  monthly 
statement. 

Previous Balance: The balance of your Account at the beginning of a Billing Cycle. This will be the same 
as the “New Balance” shown on the previous monthly statement. 

Purchase: An extension of Credit to your Account for the purpose of purchasing goods or services from 
Retailer. 

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Purchase Balance:  The total outstanding balance of Purchases and interest charges, excluding amounts 
included in the Regular Balance. 

Regular Balance:  The total outstanding balance of all amounts other than Purchases and interest charges 
on Purchases.  In the event you do not pay a Purchase balance in full before the end of a deferred interest 
period, the interest accrued during the deferred interest period will be added to your Regular Balance.  Any 
subsequent interest charges accrued on such amounts will also be added to the Regular Balance. 

Retailer:  Participating [Insert Retailer Name] locations located in the U.S. 

USING YOUR ACCOUNT 

Purchases.  You may use your Account to purchase goods and services from Retailer. You promise to pay 
us and are liable for all amounts resulting from the authorized use of your Account Number or Account, 
plus any applicable interest charges and other applicable charges or fees, payable in U.S. dollars.  

Your Credit Limit.  You may not use your Account in any way that would cause you to go over your 
Credit Limit. We may refuse to authorize or accept any transaction on your Account if (1) that transaction 
would cause you to exceed your Credit Limit or (2) your Account is delinquent. We may temporarily agree 
to allow you to exceed your Credit Limit. If we do so, in that case, you must repay the excess amount 
according to the terms of this Agreement. Any transactions honored in excess of your Credit Limit will not 
result in an increase of your Credit Limit. 

MAKING PAYMENTS 

Monthly Statements.  We will send a statement at the end of each monthly Billing Cycle if there is a debit 
or credit balance on your Account of $1 or more, a balance on which an interest charge has been imposed 
or as otherwise required by applicable law. You agree to pay us, or any party to whom we may transfer and 
assign your Account or the amounts owing under your Account, in U.S. dollars according to all terms and 
conditions of this Agreement. Payments made by a check, money order or other negotiable instrument must 
be in a form acceptable to us and drawn on a U.S. financial institution. 

Monthly Minimum Payment.  Your monthly minimum payment due will be the greater of: 

1.  $15; or 
2.  The sum of: 

a.  Each  fixed  monthly  payment  amount  applicable  to  each  of  your  Purchases  (described 

below), plus 

b.  5% of your Regular Balance. 

Each Purchase will have a fixed monthly payment amount which we calculate when the Purchase is posted 
to  your  Account.  We  determine  the  fixed  monthly  payment  amount  for  a  Purchase  by  multiplying  the 
Purchase amount by 5%, and then rounding the result to the nearest dollar. If the remaining balance of a 
Purchase plus accrued interest on that Purchase is less than the fixed monthly payment amount, we will 
reduce the fixed monthly payment amount for that Purchase accordingly. We will continue to include the 
fixed monthly payment amount for a Purchase in the monthly minimum payment due until the Purchase 
plus accrued interest on that Purchase is paid in full. 

If you make a payment in excess of the monthly minimum payment due for any month, it will not reduce 
the  fixed  monthly  payment  amount  applicable  to  any  Purchase  that  is  used  to  calculate  your  monthly 
minimum payment due in subsequent months, but it may result in your paying off a Purchase more quickly. 

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Your monthly minimum payment due also will include the greater of (i) any past due amount, or (ii) any 
amount by which the New Balance exceeded your Credit Limit. Your monthly minimum payment due will 
never exceed your New Balance. 

Payments should be mailed with the payment coupon and in the envelope provided and following the other 
instructions on the monthly statement to Genesis FS Card Services, P.O. Box 84049, Columbus, Georgia 
31908.  Any payment we receive in that form and at that address on or before 5:00 P.M. Eastern Time on a 
normal banking day will be credited to your Account that day. If we receive your payment in that form and 
at that address after 5:00 P.M. Eastern Time on a normal banking day, or any time on a non-banking day, 
we will credit it to your Account the next banking day. Please allow at least seven (7) business days for 
postal delivery. Payments we receive at any other location or in any other form may not be credited as of 
the day we receive them. If we accept a payment at some other place, we may delay the crediting of the 
payment for up to five (5) days. This may cause you to incur Late Payment Fees and additional interest 
charges, and may result in your Account being declared in default. 

When you provide a check as payment, you authorize us either to use information from your check to make 
a one-time electronic fund transfer from your account or to process the payment as a check transaction. 
When we use information from your check to make an electronic fund transfer, funds may be withdrawn 
from your account as soon as the same day we receive your payment and you will not receive your check 
back from your financial institution. 

At any time, you may pay part or all you owe on your Account without incurring any additional charge for 
prepayment. The amount of any payment that exceeds your total New Balance will be applied as a credit to 
your Account, and any remaining credit balance will be refunded as required by law. 

Credit availability may be delayed at our sole discretion to ensure payment in good funds, and your total 
Credit Limit may not reflect your payments for up to 14 days. 

Application of Payments.  For each Billing Cycle, we will allocate payment amounts up to your monthly 
minimum payment to charges and principal due (including new transactions) in any way we determine. We 
will generally apply payment amounts up to your monthly minimum payment in a manner most favorable 
or convenient for us. 

For each Billing Cycle, to the extent your payments exceed your monthly minimum payment, we will apply 
these excess amounts in the order required by applicable law.  

HOW INTEREST CHARGES ARE DETERMINED 

Your Interest Rate.  We use a daily periodic rate to calculate the interest on your account. The daily 
periodic rate is the applicable APR multiplied by 1/365. The daily periodic rate for your account is 
0.0819% and the applicable APR is 29.90%. 

When We Charge Interest.  We charge interest on your Purchases from the date you make the purchase 
until you pay the purchase in full. 

How We Calculate Interest.  We calculate interest separately for each balance segment on your Account.  
We do this by applying the daily periodic rate to your average daily balance (including new Purchases), 
and then multiplying the resulting number by the number of days in the Billing Cycle for each balance 

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segment.  An average daily balance is calculated for the following balance segments as applicable: Purchase 
Balance segments and the Regular Balance segment. 

We calculate interest for each balance segment as follows: 

1.  For each day, we take the beginning balance of each balance segment in the billing cycle, including 
any unpaid interest charges, add any new purchases and debits, and then subtract the applicable 
portion of any payments and credits. This gives us the daily balance.  Late Payment Fees, Returned 
Payment Fees, and Documentation Fees are not included in the daily balance. 

2.  Then, we add all the daily balances for the billing cycle together and divide the total by the number 

of days in the billing cycle. This gives us the average daily balance. 
3.  Next, we multiply the daily periodic rate by the average daily balance. 
4.  Finally, we take the resulting number from #3 and multiply it by the number of days in the billing 

cycle. This gives us the interest charge for each balance segment for the billing cycle. 

OTHER FEES 

In addition to interest charges, other fees may be applied to your Account, as set forth below. The amounts 
of these fees may change from time to time during the term of your Account. 

Late Payment Fee 
If we do not receive your monthly minimum payment due by the Closing Date of the Billing Cycle in which 
the Payment Due Date occurs and the amount past due on your Account is more than $9.99, we will apply 
a Late Payment Fee to your Account. The Late Payment Fee is $28 if we did not charge a Late Payment 
Fee during any of the prior six billing periods. Otherwise, the Late Payment Fee is $39. The Late Payment 
Fee will never exceed the amount of your most recently required monthly minimum payment. 

Returned Payment Fee 
If any payment on your Account is returned to us unpaid for any reason, we will apply a Returned Payment 
Fee to your Account. The Returned Payment Fee is $28 if we did not charge a Returned Payment Fee during 
any of the prior six billing periods. Otherwise, the Returned Payment Fee is $39. The Returned Payment 
Fee will never exceed the monthly minimum payment. 

Documentation Fee 
You may request a copy of a monthly statement previously sent to you for a Documentation Fee of $3 per 
statement, which fee we will charge to your Account. Copies of sales tickets or other items posted to your 
Account may be obtained for a Documentation Fee of $10 per sales ticket or other item, which will be 
applied to your Account. Notwithstanding the foregoing, we will not impose any fee in connection with a 
good faith assertion of a billing error or other exercise of your Billing Rights (see below under “Your Billing 
Rights - Keep This Notice for Future Use”). 

MILITARY LENDING ACT 

The Military Lending Act provides protections for Covered Borrowers. The provisions of this section 
apply to Covered Borrowers. If you would like more information about whether you are a Covered 
Borrower, you may contact us at 1-866-502-6439. 

Statement of MAPR Federal law provides important protections to members of the Armed Forces and 
their  dependents  relating  to  extensions  of  consumer  credit.  In  general,  the  cost  of  consumer  credit  to  a 
member of the Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36%. 
This rate must include, as applicable to the credit transaction or account: (1) the costs associated with credit 

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insurance premiums; (2) fees for ancillary products sold in connection with the credit transaction; (3) any 
application fee charged (other than certain application fees for specified credit transactions or accounts); 
and (4) any participation fee charged (other than certain participation fees for a credit card account). 

Oral Disclosures In order to hear important disclosures and payment information about this Agreement, 
you may call 1-866-875-5929.  

Applicability of Arbitration of Disputes Provision 
The Arbitration of Disputes Provision set forth in this Agreement does not apply to you if, as of the date of 
this Agreement, you are a Covered Borrower. 

LOST ACCOUNT NUMBER AND UNAUTHORIZED USE 

If  your  Account  Number  is  lost  or  stolen  or  used  without  your  consent,  you  may  be  liable  for  the 
unauthorized use of your Account, but you will not be liable for unauthorized use that occurs after you 
notify us orally or in writing of the loss, theft or possible unauthorized use at: Genesis FS Card Services, 
P.O. Box 4477, Beaverton, OR 97076, 1-888-260-4532. In any case, your liability will not exceed $50. 

OUR RIGHTS, AND HOW THEY AFFECT YOU 

Telephone Monitoring and Recording 
You consent and agree that, from time to time, except as restricted by applicable law, we may monitor or 
record telephone calls regarding your Account, suppress caller identification services and use an automated 
dialing and announcing system or pre-recorded messages for account management purposes, including calls 
made for account collection purposes. If you provide us with a cellular phone number either as part of your 
Application, or at any time thereafter, including, without limitation, after your Account is in a default status, 
you are expressly consenting that we, our agents and successors in interest, subject to any limitations of 
applicable  law,  may  (1)  contact  you  at  that  number  including  by  text  message,  and  (2)  use  automated 
telephone dialing systems to initiate such contacts and/or leave recorded messages. For Text Messages: 
Message and data rates may apply. 

In accordance with applicable law, we or our representatives may contact you from time to time regarding 
your Account, or to ask for additional information about you or your experience with us. You agree that 
such contacts are not unsolicited and may include contacts at your home or place of employment, during 
weekdays, weekends or holidays, on your mobile telephone, voicemail or answering machine, or by email, 
fax, recorded message, text message or personal visit. 

Email 
If you provide us at any time with an email contact for your Account, you agree we may use that email 
address to  contact  you  about  your  Account and may send  you  information  about  products  and  services 
related to your Account. If, at any time, you would like to limit the types of communications you receive 
from us by email, please contact us at Genesis FS Card Services, P.O. Box 4477, Beaverton, OR 97076, 1-
866-946-9575, or, if you receive an email from us, you can select the “unsubscribe” link that is located in 
every email. 

Refunds 
If Retailer agrees to give a refund, you will accept a credit on your Account instead of a cash refund. 

No Waiver of Rights; Disputed Amounts 
We can accept late or partial payments without losing any of our rights under this Agreement. You 
agree not to send us partial payments marked “paid in full,” “without recourse,” or similar restrictive 

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language. If you send such a payment, we may accept it without losing any of our rights under this 
Agreement. All written communications concerning disputed amounts, including any check or other 
payment  instrument that  indicated  that  the  payment  constitutes  “payment  in  full”  of  the  amount 
owed  or  that  is  tendered  with  other  conditions  or  limitations  or  as  full  satisfaction  of  a  disputed 
amount, must be mailed or delivered to Genesis FS Card Services, P.O. Box 4499, Beaverton, OR 
97076. 

Credit Reports and Information 
You authorize us to make or have made any credit, employment, or other investigative inquiries we deem 
appropriate to extend you credit or collect amounts owed to us on your Account. We (including any assignee 
of the Account or amounts owing under the Account) may also obtain information about you from credit 
reporting agencies or others at any time and use it for the purposes of monitoring your credit performance, 
managing your Account and considering you for new offers and programs. 

Notice of Inaccurate Information 
If you believe that we have information about you that is inaccurate or that we have reported or may report 
to  a  credit  reporting  agency  information  about  you  that  is  inaccurate,  please  notify  us  of  the  specific 
information that you believe is inaccurate by writing to us at Genesis FS Card Services, P.O. Box 4499, 
Beaverton, OR 97076. 

Default and Collection.  Unless prohibited by applicable law, your Account is considered to be in default 
if (1) you fail to make the required monthly minimum payment due on or before its payment due date, 
including if your payment is returned or cannot be processed and you do not correct that failure within 31 
days,  (2)  you  try  to  exceed  or  do  exceed  your  Credit  Limit  without  permission  and  do  not  bring  your 
Account back under your Credit Limit within 31 days, (3) you become subject to bankruptcy or insolvency 
proceedings, (4) you become subject to attachment or garnishment proceedings, (5) you give us any false 
information or signature, (6) you die, or (7) you fail to comply with any portion of this Agreement. Our 
accepting a late or partial payment does not waive default. Default on this Account will constitute default 
on all accounts you hold with us. 

Subject to any notice of default and right to cure or other restrictions of applicable law, if you are in default, 
we may declare the entire balance due immediately.  Except as provided in the Arbitration Provision below, 
you agree to pay our reasonable costs and attorneys’ fees and expenses related to the collection of your 
Account to the extent permitted by applicable laws. 

Change of Terms 
Subject to the limitations of applicable law, we may, at any time, change or remove any of the terms 
and conditions of, or add new terms or conditions to, this Agreement. If required by applicable law, 
we will mail written notice of such a change to you in the manner required by such law. As of the 
effective date, the changed or new terms will apply to new Purchases and to the outstanding balance 
of your Account, subject to the limitations of applicable law. 

Delay in Enforcement 
We can delay enforcing our rights under this Agreement without losing them. 

OTHER PROVISIONS 

Ownership and Use of Your Account 
As the Accountholder(s), you are liable for all Credit obtained under your Account. If you authorize 
another person to use your Account Number, you are liable for any Credit obtained on your Account for 
as long as that person holds or uses the Account Number. Misuse of your Account by an authorized 

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person will not be considered unauthorized use. See “Lost Account Number and Unauthorized Use” 
above. 

Transactions 
You will retain for statement verification purposes your copy of each Purchase transaction receipt from 
Retailer. 

Refunds for Goods and Services 
Refunds for goods and services are governed by Retailer. Any refunds for goods or services purchased from 
Retailer  through  an  extension  of  Credit  on  your  Account  will  be  issued  as  a  credit  adjustment  to  your 
Account. When we are notified by Retailer of any refund amount, we will subtract an amount equal to the 
refund amount from your Account. However, the fixed minimum payment amount attributable to the related 
Purchase transaction amount will continue to be included in your monthly minimum payment. If a refund 
amount results in a credit balance on your Account, we will refund your credit balance. 

Transfer and Termination of Your Account 
You may not transfer your Account to any other person. We may assign your Account or amounts you owe 
on your Account to any other person at any time and the assignee will take our place under the Agreement 
with respect to all agreements and interests transferred. You must pay the assignee and otherwise perform 
your obligations under the assigned agreements and interests. Either you or we may terminate or suspend 
your Credit privileges at any time, with or without cause and with or without advance notice, but you will 
remain liable for all charges until they are paid in full. You may cancel your Account at any time by writing 
to us at Genesis FS Card Services, P.O. Box 4477, Beaverton, OR 97076. If you have a joint Account and 
want to remove one of the names from the Account, we must receive a written request signed by both of 
the Accountholders on the Account. No party is released from the obligation for the balance owing on a 
joint Account, unless we agree to the arrangements in writing. You may have to re-apply for an individual 
Account when you request a change from a joint Account to an individual Account. 

Additional Benefits and Services 
From time to time, we may offer you benefits and services with your Account. We or another party may 
provide these benefits and services. Unless expressly made a part of this Agreement, and except as provided 
in the Arbitration Provision below, any such benefits and services are not a part of this Agreement, and are 
subject  only to  the terms  and  conditions outlined in  the  benefits  or services  brochure  and  other  official 
documents provided to you with respect to the benefits and services. We may adjust, add, or delete benefits 
or services at any time in accordance with the brochures or documents you receive. Except as required by 
applicable law, we are not liable for benefits or services that other parties provide or for their actions or 
omissions. 

Honoring Your Account 
We are not liable for the failure or refusal of Retailer to accept your Account Number. Although you may 
have Credit available, we will not be liable for the failure to authorize Credit due to operational difficulties 
or mistakes. Transactions made above a certain dollar amount may require that we authorize the transaction 
before the transaction is approved. In addition, we may limit the number and amount of daily transactions 
approved for security reasons. 

Change of Address, Employment and Telephone 
We will send all written notices and statements to your address as it appears on our records. To avoid delays 
and missed payments that could affect your credit standing, you agree to promptly advise us if you change 
your mailing address, place of employment, or telephone number. 

Severability 

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In  the  event that  any provision  of  this  Agreement is determined  to be  invalid  or  unenforceable for  any 
reason, the remaining provisions will remain in effect. 

Entire Agreement; Interpretation 
This  Agreement  (including  the  other  documents  incorporated  herein  by  reference  as  discussed  above) 
constitutes the final expression of the credit agreement between you and us relating to your Account. The 
headings used in this Agreement are for the convenience of reference only and are not intended to define 
or describe the scope or intent of any portion of the Agreement. 

Governing Law.  Except as expressly set forth in the Arbitration of Disputes Provision in the Agreement, 
this Agreement and the interpretation and enforcement thereof (including but not limited to the exportation 
of interest rates) will be governed by Federal law that applies to us and, to the extent not preempted by 
Federal law, the laws of the State of Utah, without regard to its conflicts of law provisions and principles.  
If there is any conflict between any of the terms and conditions of the Agreement and applicable Federal or 
State law, this Agreement will be considered changed to the extent necessary to comply with the applicable 
law. 

Arbitration of Disputes Provision.  PLEASE READ THIS ARBITRATION OF DISPUTES PROVISION 
CAREFULLY.  UNLESS  YOU  SEND  US  THE  REJECTION  NOTICE  DESCRIBED  BELOW,  THIS 
PROVISION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES BETWEEN YOU AND 
US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A 
COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO 
PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL 
BE  AVAILABLE;  AND  (4)  APPEAL  RIGHTS  WILL  BE  LIMITED.  THIS  ARBITRATION  OF 
DISPUTES PROVISION DOES NOT APPLY TO YOU IF, AS OF THE DATE OF THIS AGREEMENT, 
YOU  ARE  A  MEMBER  OF  THE  ARMED  FORCES  OR  A  DEPENDENT  OF  SUCH  MEMBER 
ENTITLED TO PROTECTION UNDER THE FEDERAL MILITARY LENDING ACT. PLEASE SEE 
THE SECTION OF THIS AGREEMENT LABELED “MILITARY LENDING ACT.” IF YOU WOULD 
LIKE MORE INFORMATION ABOUT WHETHER YOU ARE ENTITLED TO PROTECTION UNDER 
THE FEDERAL MILITARY LENDING ACT, YOU MAY CONTACT US AT 1-866-502-6439. 

This provision replaces any existing arbitration provision with us and will stay in force no matter what 
happens to your Account, including the closing of your Account. Except as expressly provided below, you 
and we must arbitrate individually, by binding arbitration under the Federal Arbitration Act (“FAA”), any 
dispute or claim between you, any joint Accountholder and/or Authorized User, on the one hand, and us , 
our affiliates and agents, on the other hand, if the dispute or claim arises out of or is related to (a) this 
Agreement  (including  without  limitation,  any  dispute  over  the  validity  of  this  Agreement  to  arbitrate 
disputes  or  of  this  entire  Agreement),  or  (b)  your  Account,  or  (c)  any  relationship  resulting  from  this 
Agreement, or (d) any insurance or other service related to your Account, or (e) any other agreement related 
to your Account (including prior agreements) or any such service, or (f) breach of this Agreement or any 
other  such  agreement,  whether  based  on  statute,  contract,  tort  or  any  other  legal  theory  (any  “Claim”). 
However, we will not require you to arbitrate any individual Claims in small claims court or your state’s 
equivalent court, so long as it remains an individual case in that court. 

YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY 
GENERAL ACTION AGAINST US IN COURT OR ARBITRATION.  ALSO, YOU MAY NOT BRING 
CLAIMS  AGAINST  US  ON  BEHALF  OF  ANY  ACCOUNTHOLDER  WHO  IS  NOT  A  JOINT 
ACCOUNTHOLDER  WITH  YOU  OR  AN  AUTHORIZED  USER  ON  YOUR  ACCOUNT  (AN 
“UNRELATED  ACCOUNTHOLDER”),  AND  YOU  AGREE  THAT  NO  UNRELATED 
ACCOUNTHOLDER MAY BRING ANY CLAIMS AGAINST US ON YOUR BEHALF.  CLAIMS BY 
YOU  AND  AN  UNRELATED  ACCOUNTHOLDER  MAY  NOT  BE  JOINED  IN  A  SINGLE 

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ARBITRATION.    THE  ARBITRATOR  WILL  NOT  HAVE  THE  POWER  TO  CONSIDER  SUCH 
CLASS,  REPRESENTATIVE  OR  PRIVATE  ATTORNEY  GENERAL  ACTIONS  OR  ANY  SUCH 
CLAIMS YOU BRING ON BEHALF OF AN UNRELATED ACCOUNTHOLDER. 

Judgment on the arbitration award may be entered in any court having jurisdiction. Any dispute regarding 
whether  a  particular  controversy  is  subject  to  arbitration,  or  the  applicability  or  enforceability  of  the 
foregoing paragraph, will be decided by a court and not by an arbitrator. 

If you or we elect to arbitrate a claim, the electing party must notify the other party in writing. The notice 
can be given after the beginning of a lawsuit and can be given in papers filed in the lawsuit. Otherwise, 
your  notice  must  be  sent  to  Genesis  FS  Card  Services,  Attn:  Arbitration  Demand,  P.O.  Box  4477, 
Beaverton, Oregon 97076, and our notice must be sent to the most recent address for you in our files. The 
arbitration will be administered by the American Arbitration Association (the “AAA”) under its rules in 
effect at the time an arbitration is commenced that are applicable to the resolution of consumer disputes 
(the “Arbitration Rules”). We will tell you how to contact the AAA and how to get a copy of the Arbitration 
Rules without cost if you ask us in writing to do so. The Arbitration Rules permit you to request deferral or 
reduction of the administrative fees of arbitration if paying them would cause you a hardship. In addition, 
if you ask us in writing, we will consider your request to pay any or all of your costs of arbitration. 

Each arbitrator shall be a licensed attorney who has been engaged in the private practice of law continuously 
during the ten years immediately preceding the arbitration or a retired judge of a court of general or appellate 
jurisdiction. The arbitration award shall award only such relief as a court of competent jurisdiction could 
properly award under applicable law, including attorneys’ fees if allowed by applicable law or agreement. 
All  statutes  of  limitation, defenses,  and attorney-client  and other  privileges  that  would  apply in  a court 
proceeding will apply in the arbitration.  

If any provision of this Section regarding arbitration of disputes shall be deemed to be unenforceable, the 
remainder of this Section shall be given full force and effect. However, if the provision precluding class, 
representative or private attorney general Claims in arbitration is deemed unenforceable, then this entire 
Arbitration Agreement shall be void and of no force and effect. 

You may reject this provision, in which case only a court may be used to resolve any dispute or claim. 
Rejection will not affect any other aspect of the Agreement. To reject this Provision, you must send us a 
notice  within  60  days  after  you  open  your  Account  or  we  first  provide  you  with  a  right  to  reject  this 
Provision. This notice must include your name, address and Account number and be mailed to Genesis FS 
Card Services, Attn: Arbitration Provision, P.O. Box 4477, Beaverton, Oregon 97076. This is the only way 
you can reject this Provision. 

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, please write to us at: Genesis FS Card Services, P.O. Box 
4499, Beaverton, OR 97076. 

In your letter, give us the following information: 

•  Account information: Your name and Account Number. 
•  Dollar amount: The dollar amount of the suspected error. 

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•  Description of problem: If you think there is an error on your bill, describe what you believe is 

wrong and why you believe it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 
•  At least three (3) business days before an automated payment is scheduled, if you want to stop 

payment on the amount you think is wrong.  

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to 
investigate any potential errors, and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will 

also tell you if we have already corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we 

believe the bill is correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
•  The charge in question may remain on your statement, and we may continue to charge you interest 

on that amount. 

•  While you do not have to pay the amount in question, you are responsible for the remainder of your 

balance. 

•  We can apply any unpaid amount against your credit line. 

After we finish our investigation, one of two things will happen: 

• 

• 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees 
related to that amount. 
If we do not believe there was a mistake: You will have to pay the amount in question, along with 
applicable interest and fees. We will then send you a statement of the amount you owe and the date 
payment is due. We may then report you as delinquent if you do not pay the amount we think you 
owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling 
us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that 
you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, 
and we must let those organizations know when the matter has been settled between us.  

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question, 
even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Account Purchases 
If you are dissatisfied with the goods or services that you have purchased with your Account, and you have 
tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining 
amount due on the purchase. 

To use this right, all of the following must be true: 

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1.  The Purchase must have been made in your home state or within 100 miles of your current mailing 
address,  and  the  Purchase  price  must  have  been  more  than  $50.  (Note:  Neither  of  these  are 
necessary if your Purchase was based on an advertisement we mailed to you, or if we own the 
company that sold you the goods or services.) 

2.  You must have used your Account for the Purchase. Purchases made with cash advances from an 

ATM or with a check that accesses your Account do not qualify. 

3.  You must not yet have fully paid for the Purchase. 

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at: 
Genesis FS Card Services, P.O. Box 4499, Beaverton, OR 97076.  

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our 
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not 
pay, we may report you as delinquent. 

Your Genesis Credit Account is issued by: 

First Electronic Bank 
2150 South 1300 East #400 
Salt Lake City, Utah 84106 

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