JOB SPECS:
Flat Size:
8” x 18” 

Finished Size: 
8” x 3.75” 

Colors: 

Front: Black, 
Back: Black 

Bleed: No 

Note: None 

GENESIS CREDIT® ACCOUNT AGREEMENT

F03-W577-5

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 

and

•  Contains important information about your Account.

We encourage you to read all of the Agreement and keep it for your records. 
Please feel free to call us with any questions you may have. We look forward 
to serving you.

ACCOUNT AGREEMENT

This Agreement begins on the earlier of (1) the date we approve your Application, or (2) 
the first date that we extend Credit to you on your Account, as evidenced by a signed 
sales slip or other evidence of indebtedness.

DEFINITIONS

To simplify this Agreement for you, the definitions listed below will apply throughout, 
both  in  this  Agreement  and  in  your  monthly  statements.  In  addition,  the  words  you, 
your, and yours refer to the Accountholder(s) who hold(s) the Account Number and is 
responsible for the Account, each of whom is individually and jointly obligated under this 
Agreement. The words we, us, and our refer to Mid America Bank & Trust Company.

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. 
Administrator: An agency or individual who will consider and resolve a Claim between 
you and us in accordance with the Arbitration Administrator provision of this Agreement.
Agreement: Your contract with us for your Account, which contract is composed of your 
Application and the Account opening disclosures. Any sales slip or other evidence of 
indebtedness on your Account is incorporated into and made part of this Agreement.
Application: The form with information that you submitted to apply for your Account, 
including  your  signature  (in  any  form  –  wet  signed,  electronic,  or  digital),  and  any 
acceptance certificate or other request that you signed or otherwise submitted to obtain 
this Account.
Billing Cycle: The time interval covered by a monthly statement. Each Billing Cycle is 
approximately 30 days in length.
Card: Any Card we issue that you may use to purchase goods or services from Retailer. 
Use of your Card to obtain Credit will be considered use of the Account.
Closing Date: The date of the last day of a Billing Cycle.
Credit: The credit extension you receive under this Agreement.
Credit Limit: The maximum amount of Credit available to you on your Account. Your 
Account Credit Limit will be disclosed to you on the monthly statements.
New Balance: The total outstanding Account balance on the Closing Date specified in 
your monthly statement.
Previous Balance: The balance of your Account at the beginning of a Billing Cycle. This 
will be the same as the “New Balance” shown on the previous monthly statement.
Purchase: An extension of Credit to your Account for the purpose of purchasing goods 
or services from Retailer.
Purchase  Balance:  The  total  outstanding  balance  of  Purchases  and  interest  charges, 
excluding amounts included in the Regular Balance.
Regular Balance: The total outstanding balance of all amounts other than Purchases and 
interest charges. The Regular Balance includes interest charges (on deferred interest 
Purchases) that accrued during a deferred interest promotion period and we charged 
to the Account because you did not pay a deferred interest balance in full within the 
deferred interest period, and any subsequent interest charges accrued on such amounts.
Retailer: Participating Nautilus stores 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  3.5%,  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.
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, 
whichever  of  these  two  is  greater..  Your  monthly  minimum  payment  due  will  never 
exceed your New Balance.
If  you  elect  not  to  pay  your  New  Balance  in  full,  you  must  pay  at  least  the  monthly 
minimum payment due by the payment due date shown on your monthly statement, 
which is at least 25 days after the Closing Date of the Billing Cycle. 
Payments  should  be  mailed  with  the  payment  coupon  and  in  the  envelope  provided 
and  following  the  other  instructions  on  the  monthly  statement  to  Bankcard  Services, 
P.O. Box 84049, Columbus, Georgia 31908-4049. 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  of  the  full  amount  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.

DEFERRED INTEREST PROMOTIONS 

Each  Purchase  on  your  Account  is  subject  to  up  to  12  months  of  deferred  interest, 
beginning on the date of the Purchase (the “deferred interest period”). Interest will be 
charged to your Account from the date of the Purchase if the Purchase balance is not 
paid in full within the deferred interest period or if you make a late payment.
Each Purchase transaction accrues interest from the date of the Purchase, but we will 
not charge that interest to your Account if you pay that Purchase balance in full before 
the end of the deferred interest period and you make monthly minimum payments as 
required. The deferred interest period will end when one or more of the following events 
occur:

•  12 months from the Purchase date;
•  Your Account becomes more than 180 days past due;
•  Your Account is charged off for any reason.

Interest on each Purchase transaction will accrue during the deferred interest period at 
an APR of 29.99%.
You must make monthly minimum payments during the deferred interest period. The 
monthly statement we send you will include these monthly minimum payment amounts 
and  will  help  you  keep  track  of  your  Purchase  balance(s)  and  their  deferred  interest 
period(s). Paying only the monthly minimum payment may not pay off the Purchase 
balance within the deferred interest period. You may have to make additional or increased 
payments during the deferred interest period to avoid having to pay all accrued deferred 
interest.
After the deferred interest period, interest will be charged at an APR of 29.99%.

HOW INTEREST CHARGES ARE DETERMINED

Your Interest Rate
We use a daily periodic rate to calculate the interest on your account. The daily periodic 
rate is the applicable APR multiplied by 1/365. The daily periodic rate for your account 
is 0.0821% and the applicable APR is 29.99%.

When We Charge Interest
We charge interest on your Purchases from the date you make the purchase until you 
pay the purchase in full. 

How We Calculate Interest
We  calculate  interest  separately  for  each  balance  segment  on  your  Account.  We  do 
this  by  applying  the  daily  periodic  rate  to  your  average  daily  balance  (including  new 
Purchases),  and  then  multiplying  the  resulting  number  by  the  number  of  days  in  the 
Billing Cycle for each balance segment. An average daily balance is calculated for the 
following balance segments as applicable: Purchase Balance segments and the Regular 
Balance segment. 
We calculate interest for each balance segment as follows:

1.  For  each  day,  we  take  the  beginning  balance  of  each  balance  segment  in  the 
billing cycle, including any unpaid interest charges, add any new purchases and 
debits,  and  then  subtract  the  applicable  portion  of  any  payments  and  credits. 
This gives us the daily balance. Late Payment Fees, Returned Payment Fees, and 
Documentation Fees are not included in the daily balance.

2.  Then, we add all the daily balances for the billing cycle together and divide the total 
by the number of days in the billing cycle. This gives us the average daily balance.

3.  Next, we multiply the daily periodic rate by the average daily balance.
4.  Finally,  we  take  the  resulting  number  from  #3  and  multiply  it  by  the  number 
of  days  in  the  billing  cycle.  This  gives  us  the  interest  charge  for  each  balance 
segment for the billing cycle.

OTHER FEES 

In addition to interest charges, other fees may be applied to your Account, as set forth 
below. The amounts of these fees may change from time to time during the term of 
your Account.

Late Payment Fee
If we do not receive your monthly minimum payment 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 $5, we will apply a Late Payment Fee to your Account. The Late 
Payment Fee is $25 if we did not charge a Late Payment Fee during any of the prior six 
billing periods. Otherwise, the Late Payment Fee is $35. 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 $25 if we did not 
charge a Returned Payment Fee during any of the prior six billing periods. Otherwise, the 
Returned Payment Fee is $35. 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”).

LOST ACCOUNT NUMBER AND UNAUTHORIZED USE 

If your Account Number is lost or stolen or used without your consent, you may be liable 
for the unauthorized use of your Account, but you will not be liable  for  unauthorized 
use  that  occurs  after  you  notify  us  orally  or  in  writing  of  the  loss,  theft  or  possible 
unauthorized  use  at:  Bankcard  Services,  P.O.  Box  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 
Bankcard 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  language.  If  you  send  such  a  payment, 
we may accept it without losing any of our rights under this Agreement. All written 
communications  concerning  disputed  amounts,  including  any  check  or  other 
payment instrument that indicated that the payment constitutes “payment in full” 
of the amount owed or that is tendered with other conditions or limitations or as 
full  satisfaction  of  a  disputed  amount,  must  be  mailed  or  delivered  to  Bankcard 
Services, P.O. Box 4499, Beaverton, OR 97076.

Credit Reports and Information
You authorize us to make or have made any credit, employment, or other investigative 
inquiries we deem appropriate to extend you Credit or collect amounts owed to us on 
your  Account.  We  (including  any  assignee  of  the  Account  or  amounts  owing  under 
the Account) may also obtain information about you from credit reporting agencies or 
others at any time and use it for the purposes of monitoring your credit performance, 
managing your Account and considering you for new offers and programs. 

Notice of Inaccurate Information
If you  believe that we have information about you that is inaccurate or that we have 
reported  or  may  report  to  a  credit  reporting  agency  information  about  you  that  is 
inaccurate, please notify us of the specific information that you believe is inaccurate by 
writing to us at Bankcard Services, P.O. Box 4499, Beaverton, OR 97076.

Default and Collection
Unless prohibited by applicable law, your Account is considered to be in default if (1) 
you fail to make the required monthly minimum payment due on or before its payment 
due date, including if your payment is returned or cannot be processed and you do not 
correct that failure within 31 days, (2) you try to exceed or do exceed your Credit Limit 
without permission and do not bring your Account back under your Credit Limit within 
31  days,  (3)  you  become  subject  to  bankruptcy  or  insolvency  proceedings,  (4)  you 
become subject to attachment or garnishment proceedings, (5) you give us any false 
information or signature, (6) you die, or (7) you fail to comply with any portion of this 
Agreement. Our accepting a late or partial payment does not waive default. Default on 
this Account will constitute default on all accounts you hold with us.
Subject  to  any  notice  of  default  and  right  to  cure  or  other  restrictions  of  applicable 
law, if you are in default, we may declare the entire balance due immediately. Except 
as provided in the Arbitration Provision below, you agree to pay our reasonable costs 
and attorneys’ fees and expenses related to the collection of your Account to the extent 
permitted by applicable laws.

Change of Terms
Subject to the limitations of applicable law, we may, at any time, change or remove 
any of the terms and conditions of, or add new terms or conditions to, this Agreement. 
If required by applicable law, we will mail written notice of such a change to you in 
the manner required by such law. As of the effective date, the changed or new terms 
will apply to new Purchases and to the outstanding balance of your Account, subject 
to the limitations of applicable law.

Delay in Enforcement
We can delay enforcing our rights under this Agreement without losing them.

OTHER PROVISIONS 

Ownership and Use of Your Account
As the Accountholder(s), you are liable for all Credit obtained under your Account. If 
you authorize another person to use your Account Number, you are liable for any Credit 
obtained on your Account for as long as that person holds or uses the Account Number. 
Misuse of your Account by an authorized person will not be considered unauthorized 
use. See “Lost Account Number and Unauthorized Use” above. 

Transactions
You  will  retain  for  statement  verification  purposes  your  copy  of  each  Purchase 
transaction receipt from Retailer.

Refunds for Goods and Services
Refunds  for  goods  and  services  are  governed  by  Retailer.  Any  refunds  for  goods  or 
services purchased from Retailer through an extension of Credit on your Account will 
be  issued  as  a  credit  adjustment  to  your  Account.  When  we  are  notified  by  Retailer 
of  any  refund  amount,  we  will  subtract  an  amount  equal  to  the  refund  amount  from 
your Account. However, the fixed minimum payment amount attributable to the related 
Purchase  transaction  amount  will  continue  to  be  included  in  your  monthly  minimum 
payment. If a refund amount results in a credit balance on your Account, we will refund 
your credit balance.

Transfer and Termination of Your Account
You may not transfer your Account to any other person. We may assign your Account 
or amounts you owe on your Account to any other person at any time and the assignee 
will take our place under the Agreement with respect to all agreements and interests 
transferred. You must pay the assignee and otherwise perform your obligations under 
the assigned agreements and interests. Either you or we may terminate or suspend your 
Credit privileges at any time, with or without cause and with or without advance notice, 
but you will remain liable for all charges until they are paid in full. You may cancel your 
Account at any time by writing to us at Bankcard Services, P.O. Box 4477, Beaverton, 
OR 97076. If you have a joint Account and want to remove one of the names from the 
Account, we must receive a written request signed by both of the Accountholders on 
the Account. No party is released from the obligation for the balance owing on a joint 
Account, unless we agree to the arrangements in writing. You may have to re-apply for 
an individual Account when you request a change from a joint Account to an individual 
Account.

Additional Benefits and Services
From time to time, we may offer you benefits and services with your Account. We or 
another party may provide these benefits and services. Unless expressly made a part 
of this Agreement, and except as provided in the Arbitration Provision below, any such 
benefits and services are not a part of this Agreement, and are subject only to the terms 
and conditions outlined in the benefits or services brochure and other official documents 
provided to you with respect to the benefits and services. We may adjust, add, or delete 
benefits or services at any time in accordance with the brochures or documents you 
receive. Except as required by applicable law, we are not liable for benefits or services 
that other parties provide or for their actions or omissions.

Honoring Your Account
We are not liable for the failure or refusal of Retailer to accept your Account Number. 
Although you may have Credit available, we will not be liable for the failure to authorize 
Credit  due  to  operational  difficulties  or  mistakes.  Transactions  made  above  a  certain 
dollar  amount  may  require  that  we  authorize  the  transaction  before  the  transaction 
is  approved.  In  addition,  we  may  limit  the  number  and  amount  of  daily  transactions 
approved for security reasons.

Change of Address, Employment and Telephone
We will send all written notices and statements to your address as it appears on our 
records. To avoid delays and missed payments that could affect your credit standing, you 
agree to promptly advise us if you change your mailing address, place of employment, 
or telephone number.

Severability
In  the  event  that  any  provision  of  this  Agreement  is  determined  to  be  invalid  or 
unenforceable for any reason, the remaining provisions will remain in effect.

Entire Agreement; Interpretation
This  Agreement  (including  the  other  documents  incorporated  herein  by  reference  as 
discussed  above)  constitutes  the  final  expression  of  the  credit  agreement  between 
you and us relating to your Account. The headings used in this Agreement are for the 
convenience of reference only and are not intended to define or describe the scope or 
intent of any portion of the Agreement

Governing Law
This  Agreement  is  controlled  and  governed  by  the  laws  of  the  State  of  Missouri, 
including Missouri Revised Statutes (Chapter 408 Legal Tender and Interest) Section 
408.145, except to the extent that such laws are inconsistent with controlling federal 
laws.

Arbitration  of  Disputes  Provision.  PLEASE  READ  THIS  ARBITRATION  OF  DISPUTES 
PROVISION CAREFULLY. UNLESS YOU SEND US THE REJECTION NOTICE DESCRIBED 
BELOW,  THIS  PROVISION  WILL  APPLY  TO  YOUR  ACCOUNT,  AND  MOST  DISPUTES 
BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS 
THAT:  (1)  NEITHER  A  COURT  NOR  A  JURY  WILL  RESOLVE  ANY  SUCH  DISPUTE; 
(2)  YOU  WILL  NOT  BE  ABLE  TO  PARTICIPATE  IN  A  CLASS  ACTION  OR  SIMILAR 
PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS 
WILL BE LIMITED. 
This provision replaces any existing arbitration provision with us and will stay in force 
no  matter  what  happens  to  your  Account,  including  the  closing  of  your  Account. 
Except as expressly provided below, you and we must arbitrate individually, by binding 

arbitration under the Federal Arbitration Act (“FAA”), any dispute or Claim between you, 
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 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 Bankcard Services, 
Attn:  Arbitration  Demand,  P.O.  Box  4477,  Beaverton,  Oregon  97076,  and  our  notice 
must  be  sent  to  the  most  recent  address  for  you  in  our  files.  The  arbitration  will  be 
administered  by  the  American  Arbitration  Association  (the  “AAA”)  under  its  rules  in 
effect at the time an arbitration is commenced that are applicable to the resolution of 
consumer disputes (the “Arbitration Rules”). We will tell you how to contact the AAA and 
how to get a copy of the Arbitration Rules without cost if you ask us in writing to do so. 
The Arbitration Rules permit you to request deferral or reduction of the administrative 
fees of arbitration if paying them would cause you a hardship. In addition, if you ask us 
in writing, we will consider your request to pay any or all of your costs of arbitration.
Each arbitrator shall be a licensed attorney who has been engaged in the private practice 
of  law  continuously  during  the  ten  years  immediately  preceding  the  arbitration  or  a 
retired judge of a court of general or appellate jurisdiction. The arbitration award shall 
award only such relief as a court of competent jurisdiction could properly award under 
applicable law, including attorneys’ fees if allowed by applicable law or agreement. 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 Account Agreement. 
To reject this Provision, you must send us a notice within 60 days after you open your 
Account or we first provide you with a right to reject this Provision. This notice must 
include your name, address and Account number and be mailed to Bankcard Services, 
Attn: Arbitration Provision, P.O. Box 4477, Beaverton, Oregon 97076. This is the only 
way you can reject this Provision.

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE 

This  notice  tells  you  about  your  rights  and  our  responsibilities  under  the  Fair  Credit 
Billing Act.

What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, please write to us at: Bankcard Services, 
P.O. Box 4499, Beaverton, OR 97076-4499.
In your letter, give us the following information:

•  Account information: Your name and Account Number.
•  Dollar amount: The dollar amount of the suspected error.
•  Description of problem: If you think there is an error on your bill, describe what 

you believe is wrong and why you believe it is a mistake.

You must contact us:

•  Within 60 days after the error appeared on your statement.
•  At least three (3) business days before an automated payment is scheduled, if you 

want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do we 
are not required to investigate any potential errors, and you may have to pay the amount 
in question.

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1.  Within 30 days of receiving your letter, we must tell you that we received your 

letter. We will also tell you if we have already corrected the error.

2.  Within 90 days of receiving your letter, we must either correct the error or explain 

to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

•  We cannot try to collect the amount in question, or report you as delinquent on 

that amount.

•  The charge in question may remain on your statement, and we may continue to 

charge you interest on that amount.

•  While you do not have to pay the amount in question, you are responsible for the 

remainder of your balance.

•  We can apply any unpaid amount against your Credit Limit.
After we finish our investigation, one of two things will happen:

•  If we made a mistake: You will not have to pay the amount in question or any 

interest or other fees related to that amount.

•  If  we  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the  amount  in 
question,  along  with  applicable  interest  and  fees.  We  will  then  send  you  a 
statement  of  the  amount  you  owe  and  the  date  payment  is  due.  We  may  then 
report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us 
within 10 days telling us that you still refuse to pay. If you do so, we cannot report you 
as delinquent without also reporting that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as delinquent, and we must let those 
organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the 
amount you question, even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Account Purchases
If you are dissatisfied with the goods or services that you have purchased with your 
Account, and you have tried in good faith to correct the problem with the merchant, you 
may have the right not to pay the remaining amount due on the Purchase.
To use this right, all of the following must be true:

1.  The Purchase must have been made in your home state or within 100 miles of 
your current mailing address, and the purchase price must have been more than 
$50.  (Note:  Neither  of  these  are  necessary  if  your  Purchase  was  based  on  an 
advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the 
goods or services.)

2.  You must have used your Account for the Purchase. Purchases made with cash 
advances from an ATM or with a check that accesses your Account do not qualify.

3.  You must not yet have fully paid for the Purchase.

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact 
us in writing at: Bankcard Services, P.O. Box 4499, Beaverton, OR 97076-4499.
While we investigate, the same rules apply to the disputed amount as discussed above. 
After we finish our investigation, we will tell you our decision. At that point, if we think 
you owe an amount and you do not pay, we may report you as delinquent.

Your Genesis Credit Account is issued by:
Mid America Bank & Trust Company
216 West 2nd Street
Dixon, MO 65459

F03-W577-5