all amounts you owe on the Account, even if they 
are charged after your Account is closed or sus-
pended.
Additional  Benefits  and  Services.  From  time 
to  time,  we  may  offer  you  benefits  and  services 
with  your  Account.  These  benefits  and  services 
may  be  provided  by  us  or  third  parties.  Unless 
expressly  made  a  part  of  this  Agreement,  and 
except as provided in the Arbitration of Disputes 
section  below,  any  such  benefits  and  services 
are  not  a  part  of  this  Agreement,  and  are  sub-
ject only to the terms and conditions outlined in 
the benefits or services brochure and other offi-
cial  documents  provided  to  you  with  respect  to 
the  benefits  and  services.  We  may  adjust,  add, 
or delete benefits or services at any time in ac-
cordance  with  the  brochures  or  documents  you 
receive. Except as required by applicable law, we 
are not liable for benefits or services provided by 
third parties or the actions or omissions of those 
third parties.
Foreign  Currency  Conversion.  Payment  must 
be made in U.S. Dollars for charges you incur in 
any other currency. If you effect a transaction with 
your Card in a currency other than U.S. Dollars, 
Mastercard  International  Incorporated  (“Master-
card”)  will  convert  the  charge  into  a  U.S.  Dollar 
amount.  Mastercard  will  act  in  accordance  with 
its  operating  regulations  or  conversion  proce-
dures in effect at the time that the transaction is 
processed.  Currently,  the  currency  conversion 
rate used by Mastercard to determine the trans-
action  amount  in  U.S.  Dollars  for  such  transac-
tions is generally either a government mandated 
rate  or  a  wholesale  rate  determined  by  Master-
card for the processing cycle in which the trans-
action  is  processed.  The  currency  conversion 
rate used by Mastercard on the processing date 
may  differ  from  the  rate  that  would  have  been 
used  on  the  Purchase  date  or  monthly  State-
ment posting date. We will also assess a Foreign 
Currency Conversion Fee interest charge as de-
scribed in the “How Interest Charges are Deter-
mined” section.
Honoring Your Card. We are not responsible if 
anyone refuses to accept your Card or Account 
for  any  reason.  Although  you  may  have  credit 
available, we may decline any transaction for any 
reason. We are not liable for any refusal to honor 
your Card or Account. 
From time to time, due to circumstances beyond 
our  control  (such  as  system  failures,  natural  di-
sasters,  or  other  unpredictable  events),  our  ser-
vices may not be available. When this happens, 
you  may  be  unable  to  use  your  Card  or  obtain 
information  about  your  Account.  We  will  not  be 
responsible or liable if this happens.
Change  of  Address,  Employment  and  Tele-
phone.  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  mail-
ing address, place of employment, or telephone 
number.
Severability.  In  the  event  that  any  provision  of 
this Agreement is determined to be invalid or un-
enforceable for any reason, the remaining provi-
sions will remain in effect.

Entire  Agreement;  Interpretation.  This  Agree-
ment  (including  other  documents  incorporated 
herein by reference) constitutes the final expres-
sion of the credit agreement between you and us 
relating  to  your  Account.  The  headings  used  in 
this Agreement are for the convenience of refer-
ence only and are not intended to define or de-
scribe  the  scope  or  intent  of  any  portion  of  the 
Agreement.
Governing Law. Except as expressly set forth in 
the  Arbitration  of  Disputes  section,  this  Agree-
ment  and  the  interpretation  and  enforcement 
thereof (including but not limited to the exporta-
tion of interest rates) will be governed by Feder-
al  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 this 
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 PROVI-
SION CAREFULLY. UNLESS YOU SEND US THE 
REJECTION NOTICE DESCRIBED BELOW, THIS 
PROVISION  WILL  APPLY  TO  YOUR  ACCOUNT, 
AND MOST DISPUTES BETWEEN YOU, ON THE 
ONE  HAND,  AND  US  OR  ANY  SERVICER  OF 
YOUR  ACCOUNT,  INCLUDING,  BUT  NOT  LIM-
ITED  TO,  GENESIS  FS  CARD  SERVICES,  INC. 
(“GENESIS”),  ON  THE  OTHER  HAND,  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  PROTEC-
TION  UNDER  THE  FEDERAL  MILITARY  LEND-
ING  ACT.  PLEASE  SEE  THE  SECTION  OF  THIS 
AGREEMENT  LABELED  “MILITARY  LENDING 
ACT.”  IF  YOU  WOULD  LIKE  MORE  INFORMA-
TION  ABOUT  WHETHER  YOU  ARE  ENTITLED 
TO  PROTECTION  UNDER  THE  FEDERAL  MILI-
TARY LENDING ACT, YOU MAY CONTACT US AT 
1-800-583-5698.
This  provision  replaces  any  existing  arbitration 
provision  with  us  and  will  stay  in  force  no  mat-
ter what happens to your Account, including the 
closing of your Account. Except as expressly pro-
vided  below,  you  must  arbitrate  individually,  by 
binding  arbitration  under  the  Federal  Arbitration 
Act  (“FAA”),  any  dispute  or  claim  between  you, 
any joint Cardholder and/or Authorized User, on 
the one hand, and us , our affiliates, and agents, 
and/or  any  servicer  of  your  Account,  including, 
but not limited to, Genesis, 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 pri-
or 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 OR ANY SER-
VICER  OF  YOUR  ACCOUNT,  INCLUDING,  BUT 
NOT  LIMITED  TO,  GENESIS,  IN  COURT  OR 
ARBITRATION.  ALSO,  YOU  MAY  NOT  BRING 
CLAIMS  AGAINST  US  OR  ANY  SERVICER  OF 
YOUR ACCOUNT, INCLUDING, BUT NOT LIMIT-
ED  TO  GENESIS,  ON  BEHALF  OF  ANY  CARD-
HOLDER  WHO  IS  NOT  A  JOINT  CARDHOLDER 
WITH YOU OR AN AUTHORIZED USER ON YOUR 
ACCOUNT  (AN  “UNRELATED  CARDHOLDER”), 
AND YOU AGREE THAT NO UNRELATED CARD-
HOLDER  MAY  BRING  ANY  CLAIMS  AGAINST 
US OR ANY SERVICER OF YOUR ACCOUNT, IN-
CLUDING, BUT NOT LIMITED TO, GENESIS, ON 
YOUR  BEHALF.  CLAIMS  BY  YOU  AND  AN  UN-
RELATED CARDHOLDER 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 UNRE-
LATED CARDHOLDER.
Judgment  on  the  arbitration  award  may  be  en-
tered in any court having jurisdiction. Any dispute 
regarding  whether  a  particular  controversy  is 
subject  to  arbitration,  or  the  applicability  or  en-
forceability  of  the  foregoing  paragraph,  will  be 
decided by a court and not by an arbitrator.
If you or we or any servicer of your Account, in-
cluding,  but  not  limited  to,  Genesis,  elect  to  ar-
bitrate a claim, the electing party must notify the 
other party in writing. The notice can be given af-
ter 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, Inc., 
Attn: Arbitration Demand, P.O. Box 4477, Beaver-
ton, 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 Amer-
ican Arbitration Association (the “AAA”) under its 
rules  in  effect  at  the  time  an  arbitration  is  com-
menced  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  re-
quest 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  immediate-
ly 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  attor-
ney-client  and  other  privileges  that  would  apply 
in a court proceeding will apply in the arbitration. 
If any provision of this Section regarding arbitra-
tion of disputes shall be deemed to be unenforce-
able, the remainder of this Section shall be given 
full  force  and  effect.  However,  if  the  provision 
precluding class, representative or private attor-
ney general Claims in arbitration is deemed unen-
forceable, 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 sixty (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, Inc., 
Attn:  Arbitration  Provision,  P.O.  Box  4477,  Bea-
verton,  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:  Genesis FS Card Services, 
P.O. Box 4499, Beaverton, OR 97076-4499.
In your letter, give us the following information:

• 

• 

 Account  information:  Your  name  and  Ac-
count 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 writ-
ing. You may call us, but if you do we are not re-
quired 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 al-
ready corrected the error.

  2.   Within  90  days  of  receiving  your  letter, 
we  must  either  correct  the  error  or  ex-
plain to you why we believe the bill is cor-
rect.

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 inter-
est or other fees related to that amount.
 If we do not believe there was a mistake: 
You will have to pay the amount in ques-
tion,  along  with  applicable  interest  and 
fees. We will then send you a Statement 
of the amount you owe and the date pay-
ment 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 re-
ported you as delinquent, and we must let those 
organizations  know  when  the  matter  has  been 
settled between us.  If we do not follow all of the 
rules above, you do not have to pay the first $50 
of  the  amount  you  question,  even  if  your  bill  is 
correct.
Your Rights If You Are Dissatisfied With Your 
Credit Card Purchases
If you are dissatisfied with the goods or services 
that  you  have  purchased  with  your  credit  card, 
and  you  have  tried  in  good  faith  to  correct  the 
problem  with  the  merchant,  you  may  have  the 
right not to pay the remaining amount due on the 
Purchase.    To  use  this  right,  all  of  the  following 
must be true:
  1.   The  Purchase  must  have  been  made  in 
your home state or within 100 miles of your 
current mailing address, and the Purchase 
price must have been more than $50. (Note:  
Neither of these are necessary if your Pur-
chase was based on an advertisement we 
mailed  to  you,  or  if  we  own  the  company 
that sold you the goods or services.)
  2.   You must have used your credit card for the 
Purchase.  Purchases  made  with  cash  ad-
vances  from  an  ATM  or  with  a  check  that 
accesses  your  credit  card  account  do  not 
qualify.

  3.   You must not yet have fully paid for the Pur-

chase.

If all of the criteria above are met and you are still 
dissatisfied with the Purchase, contact us in writ-
ing at Genesis FS Card 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  investiga-
tion, 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.

The Card Issuer:
First Electronic Bank

Destiny™ Mastercard® Cardholder Agreement

M-133492

Dear Cardholder:
This Agreement, as defined below, is your contract for your Account and:

•  Covers the terms that govern the use of your 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.

CARDHOLDER AGREEMENT                                                                                                                                                      
This Agreement contains the terms that govern the use of your Destiny Mastercard Account and out-
lines both your responsibilities and ours.  Please read it in its entirety and keep it for your reference.  In 
addition, any written application, acceptance certificate or other request you signed or otherwise sub-
mitted for this Account (the “Application”), your Card and the Card Carrier that we send with your Card, 
and your signature (including any electronic or digital signature) on any Application, sales slip or other 
evidence of indebtedness on your Account, are hereby incorporated into and made a part of this Agree-
ment. This Agreement begins on the earlier of (i) the date you sign or otherwise submit an Application 
that is approved by us, or (ii) the first date that we extend credit to you on your Account, as evidenced by 
a signed sales slip or memorandum, a Cash Advance transaction, or otherwise.
Definitions. To simplify this Agreement for you, the definitions listed below will apply throughout, both 
in this Agreement and in your monthly Statements. In addition, the words you, your, and yours refer to 
the Cardholder(s) who holds the Card 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: The credit card account for which you were issued a Card imprinted with your Account number 
and that is subject to all of the terms and conditions of this Agreement.
ATM: Automated Teller Machine.
Billing Cycle: The time interval covered by a monthly Statement. Each Billing Cycle is approximately 30 
days in length; however, the specific period of time is described on each monthly Statement. Your Ac-
count will have a Billing Cycle even if a Statement is not required.
Card: Any Destiny Mastercard issued by us that you may use to obtain a Cash Advance, make Purchas-
es, or lease goods or services on credit.  Use of your Account number to obtain credit will be considered 
a use of the Card.
Card Carrier: The carrier that contains your Card.
Cardholder: The person to whom a Card is issued, or who has agreed to pay obligations arising from a 
Card issued to another person.
Cash Advance: Credit extended to you in the form of a cash loan through any financial institution hon-
oring the Card either presented directly or through any other credit instrument, check, device, overdraft 
coverage plan or ATM that we make available to you or that you use. All cash equivalent transactions 
will  be  treated  as  Cash  Advances  and  will  be  billed  to  the  Cash  Advance  segment  of  your  Account. 
Transactions that we view as “cash equivalent transactions” include without limitation using your Card 
to purchase wire transfer money orders, bets, lottery tickets, casino gaming chips, and other similar 
products and services.
Closing Date: The date of the last day of a Billing Cycle.
Credit Limit: The maximum amount of credit available to you on your Account. Your Credit Limit will be 
disclosed on your Card Carrier and your monthly Statements.
Purchase: Any extension of credit to your Account for the purpose of purchasing or leasing goods or 
services from participating merchants.
Statement: A monthly document we provide to you showing Account information including, among oth-
er things, Purchase and Cash Advance transactions, credits and debits, payments, fees, and interest 
charges made to your Account during a Billing Cycle.
Purchases and Cash Advances. You may use your Card to purchase or lease goods or services from 
participating merchants. You may also use your Card to obtain Cash Advances from your Account at an 
ATM, or by presenting it to any institution that accepts the Card for that purpose. There are dollar limita-
tions on individual Cash Advance transactions, and we may set a Cash Advance Limit for your Account. 
Please contact us for information about the Cash Advance limitations that apply to your Account. In 
addition, we may limit your Account to only one Cash Advance transaction per day.
You promise to pay us and are liable for all amounts resulting from the authorized use of your Card or 
Account,  plus  any  applicable  interest  charges  and  other  applicable  charges  or  fees,  payable  in  U.S. 

6

7

8

1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
dollars.  This  includes  amounts  where  you  did 
not sign a purchase slip or other documents for 
the transaction. If you use your Account number 
without presenting your actual Card, such as for 
mail, telephone, or internet purchases, this will be 
treated  the  same  way  as  if  you  presented  your 
Card.  Your  promise  to  pay  us  will  apply  to  your 
estate if you die.
We may limit and restrict the use of the Account/
Card  at  our  discretion.  Such  limitations  and  re-
strictions include, but are not limited to, gambling 
transactions, which include, but are not limited to, 
internet-related  lottery  tickets,  casino  gambling 
chips, off-track betting and wagers at racetracks. 
You remain responsible for use of your Account/
Card in any such transactions.
The Card may only be used for valid and lawful 
purposes. If you use, or you authorize someone 
else to use, the Card or Account for an unlawful 
or impermissible purpose, you will be responsible 
for such use and may be required to reimburse us 
or Mastercard for any amounts or expenses we or 
they incur as a result of such use.
The  Card  is  and  remains  our  property,  and  you 
will surrender it to us at any time upon request.
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  ac-
cept any transaction on your Account that would 
cause you to exceed your Credit Limit, even if you 
have authorized us to charge you an Overlimit Fee 
for doing so. We may temporarily agree to allow 
you to exceed your Credit Limit; however, in that 
case you must repay the excess amount accord-
ing to the terms of this Agreement.  Any transac-
tions honored in excess of your Credit Limit will 
not result in an increase of your Credit Limit. We 
may at any time and without prior notice to you 
increase or decrease your Credit Limit, limit the 
Credit Limit for Cash Advances or take away your 
ability to obtain Cash Advances.
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  ap-
plicable law. You agree to pay us, or any party to 
whom we may transfer and assign your Account 
or  the  amounts  owing  under  your  Account,  in 
U.S. dollars according to all terms and conditions 
of  this  Agreement.  Payments  made  by  a  check, 
money order or other negotiable instrument must 
be in a form acceptable to us and drawn on a U.S. 
financial institution.
Monthly  Minimum  Payment.  The  Monthly  Mini-
mum Payment is 7% of your New Balance or $40 
whichever is greater, rounded to nearest dollar. If 
you elect not to pay your New Balance in full, you 
must pay at least the Monthly Minimum Payment by 
the Payment Due Date shown on your Statement, 
which is at least 25 days after the Closing Date of 
the Billing Cycle. Your Monthly Minimum Payment 
also will include any past due amounts. If your New 
Balance is less than or equal to your Monthly Min-
imum Payment, then your Monthly Minimum Pay-
ment will be equal to your New Balance.
Payments  should  be  mailed  with  the  payment 
coupon  and  in  the  envelope  provided  and  fol-

lowing the other instructions on the Statement to 
Genesis  FS  Card  Services,  PO  Box  23030,  Co-
lumbus,  GA  31902-3030.  Any  payment  received 
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 your pay-
ment is received in that form and at that address 
after 5:00 P.M., Eastern Time, on a normal bank-
ing  day,  or  any  time  on  a  non-banking  day,  we 
will credit it to your Account the next banking day. 
However, if your Payment Due Date occurs on a 
non-banking day, any payment received the next 
day  which  conforms  to  the  above  requirements 
will  not  be  treated  as  late.  Please  allow  at  least 
seven (7) business days for postal delivery. Pay-
ments received by us 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 a place other than the 
address in the immediately preceding paragraph, 
we may delay the crediting of the payment for up 
to five (5) days. This may cause you to incur Late 
Fees  and  additional  interest  charges,  and  may 
result in your Account being declared in default.
We  do  not  accept  cash  payments  through  the 
mail.  You  may  not  make  payments  with  funds 
from  your  Account  or  any  other  credit  account 
issued by us.
When you provide a check as payment, you au-
thorize  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 without incurring any additional 
charge for prepayment.  The amount of any pay-
ment  that  exceeds  your  total  New  Balance  will 
be applied as a credit to your Account, and any 
remaining credit balance will be refunded as re-
quired by law.
Credit availability may be delayed at our sole dis-
cretion  to  ensure  payment  in  good  funds.  Your 
available credit on your Credit Limit may not re-
flect your payments for up to 14 days.
Application  of  Payments.  For  each  Billing  Cy-
cle, payments up to the amount of your Monthly 
Minimum  Payment  will  be  allocated  in  any  way 
we  determine,  including  to  balances  with  lower 
Annual  Percentage  Rates  before  balances  with 
higher  Annual  Percentage  Rates.  We  will  gen-
erally apply payments up to the amount of your 
Monthly Minimum Payment in a manner most fa-
vorable or convenient for us. 
For  each  Billing  Cycle,  to  the  extent  your  pay-
ments  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  charge  for  any  Billing  Cycle  will 
include  the  following  components,  the  total  of 
which  constitutes  your  total  interest  charge  for 
the Billing Cycle:

  1.   A Cash Advance Transaction Fee imposed 
on each Cash Advance transaction posted 
during  a  Billing  Cycle,  in  an  amount  equal 
to  the  greater  of  $5  or  5%  of  the  amount 
of each Cash Advance, not to exceed $100. 
Any unpaid Cash Advance Transaction Fee 
will be added to the calculation of your Av-
erage Daily Balance of Cash Advances. 
  2.   Periodic  interest  charge  computed  by  ap-
plying  the  applicable  Monthly  Periodic 
Rate or Rates, determined as provided be-
low  under  Computing  the  Purchase  and 
Cash Advance Balance Monthly Periodic 
Rates  and  Corresponding  Annual  Per-
centage Rates (APR) to:

  a.   your Average Daily Balance of Cash Ad-
vances  (including  new  Cash  Advances); 
and

  b.  your Average Daily Balance of Purchases 

(including new Purchases).

 However,  if  the  total  of  the  amounts  so 
computed is an amount less than $1, then 
a Minimum Interest Charge Fee of $1 will be 
imposed instead of such smaller amounts. 
  3.   A  Foreign  Currency  Conversion  Fee  in  an 
amount equal to 1% of the converted U.S. 
dollar  amount  of  each  transaction,  includ-
ing  Cash  Advances  and  Purchases,  that 
is effected in any currency other than U.S. 
dollars.

When  Interest  Charges  Begin  to  Accrue.  In-
terest charges on Purchases will be imposed at 
the  applicable  Monthly  Periodic  Rate  from  the 
date each Purchase is made, and will continue to 
accrue  on  unpaid  balances  as  long  as  they  re-
main unpaid. However, we do not assess interest 
charges in the following circumstances:
  1.   If you paid the New Balance at the begin-
ning  of  your  previous  Billing  Cycle  by  the 
Payment Due Date during the previous Bill-
ing Cycle, or if that New Balance was $0 or 
a credit balance, then:

  a.   if you pay the New Balance on your cur-
rent  Statement  in  full  by  the  Payment 
Due Date in your current Billing Cycle, we 
will not assess interest charges on Pur-
chases during your current Billing Cycle; 
and

  b.  if you make a payment that is less than 
the  New  Balance  by  the  Payment  Due 
Date in your current Billing Cycle, we will 
credit that payment as of the first day in 
your current Billing Cycle.

2.  If  you  had  a  New  Balance  at  the  beginning 
of  your  previous  Billing  Cycle  and  you  did  not 
pay that New Balance by the Payment Due Date 
during that previous Billing Cycle, then we will not 
assess interest charges on any Purchases during 
the current Billing Cycle if you pay the New Bal-
ance at the beginning of your current Billing Cycle 
by the Payment Due Date in your current Billing 
Cycle.
Periodic interest charges on Cash Advances will 
be  imposed  at  the  applicable  Monthly  Periodic 
Rate from the date each Cash Advance is made 
and  will  continue  to  accrue  on  unpaid  balances 
as long as they remain unpaid. There is no grace 
period on Cash Advances and there is no period 

within which to pay to avoid interest charges on 
Cash Advances.
Calculating the Purchase and Cash Advance 
Balance Subject to Interest Charges
Average  Daily  Balance  of  Purchases  (includ-
ing  new  Purchases):  To  get  the  Average  Daily 
Balance  of  Purchases,  we  take  the  beginning 
Purchase  balance  of  your  Account  each  day, 
including  unpaid  fees,  interest  charges  on  Pur-
chases  and  Foreign  Currency  Conversion  Fees 
on Purchases, add any new Purchases and new 
fees  as  of  the  date  of  transaction,  and  subtract 
the applicable portion of any payments and cred-
its as of the transaction date. On the first day of a 
Billing Cycle, we also add any unpaid Late Fees 
and  Overlimit  Fees.  This  gives  us  the  daily  bal-
ance for Purchases. Then we add all these daily 
balances for the Billing Cycle together and divide 
the total by the number of days in the Billing Cy-
cle.  This  gives  us  the  Average  Daily  Balance  of 
Purchases.
Average Daily Balance of Cash Advances (in-
cluding new Cash Advances): To get the Aver-
age Daily Balance of Cash Advances, we take the 
beginning Cash Advance balance of your Account 
each  day,  including  unpaid  interest  charges  on 
Cash  Advances  and  Foreign  Currency  Conver-
sion Fees on Cash Advances, add any new Cash 
Advances as of the date of transaction, add the 
Cash Advance Transaction Fee on any Cash Ad-
vances  as  of  the  transaction  date  of  each  Cash 
Advance, and subtract the applicable portion of 
any  payments  and  credits  as  of  the  transaction 
date. This gives us the daily balance for Cash Ad-
vances. Then we add all these 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 of Cash Advances.
Computing  the  Purchase  and  Cash  Advance 
Balance  Monthly  Periodic  Rates  and  Corre-
sponding Annual Percentage Rates (APR)
Monthly  Periodic  Rates:  The  Monthly  Period-
ic Rate is calculated by dividing the APR by 12. 
The  Purchase  APR  is  24.9%  and  the  standard 
Monthly  Periodic  Rate  for  Purchases  is  2.075%. 
The Cash Advance APR is 29.9% and the Monthly 
Periodic Rate for Cash Advances is 2.492%.
OTHER FEES
In  addition  to  interest  charges,  a  variety  of  fees 
may be applied to your Account, as set forth be-
low.
Annual Fee. We will charge an initial Annual Fee 
of $35 to your Account on or about the date your 
Account  is  opened  and  then  a  renewal  Annual 
Fee of $35 on or about each anniversary of that 
date. The initial Annual Fee is nonrefundable; the 
renewal Annual Fee is also nonrefundable unless 
you  notify  us  to  cancel  your  Account  within  30 
days  from  the  mailing  date  of  the  billing  State-
ment or other communication containing the re-
newal Annual Fee notice.
Late Fee. If we do not receive your Monthly Min-
imum Payment by the Closing Date of the Billing 
Cycle in which the Payment Due Date occurs and 
the amount past due on your Account is more than 
$9.99, we will charge a Late Fee to your Account. 
The  Late  Fee  is  $29  if  you  were  not  charged  a 
Late Fee during any of the prior six Billing Cycles. 
Otherwise, the Late Fee is $40. The Late Fee will 

never  exceed  the  amount  of  your  most  recently 
required Monthly Minimum Payment.
Minimum  Interest  Charge  Fee.  If  the  periodic 
interest  charge  amounts  computed  in  the  How 
Interest  Charges  Are  Determined  section  are 
an  amount  less  than  $1,  then  a  Minimum  Inter-
est Charge Fee of $1 will be charged instead of 
such smaller amounts and will be treated as a fee 
on your billing statement and added to your Pur-
chases at our discretion.
Returned Payment Fee. If any payment on your 
Account  is  returned  to  us  unpaid  for  any  reason, 
we  will  charge  a  Returned  Payment  Fee  to  your 
Account. The Returned Payment Fee is $29 if you 
were not charged a Returned Payment Fee during 
any  of  the  prior  six  Billing  Cycles.  Otherwise,  the 
Returned Payment Fee is $40. The Returned Pay-
ment  Fee  will  never  exceed  the  amount  of  your 
most recently required Monthly Minimum Payment.
Overlimit  Fee.  If  you  elected  to  have  overlimit 
coverage, we may charge an Overlimit Fee when 
a  transaction  causes  you  to  go  over  or  remain 
over  your  Credit  Limit  during  any  Billing  Cycle. 
We  may  also  charge  you  two  additional  Over-
limit Fees if your New Balance remains over your 
Credit  Limit  as  of  the  Payment  Due  Date  in  fu-
ture  Billing  Cycles.  We  will  only  charge  you  one 
Overlimit Fee per Billing Cycle, even if you go over 
your Credit Limit multiple times in the same Billing 
Cycle.  The  Overlimit  Fee  is  $29  if  you  were  not 
charged an Overlimit Fee during any of the prior 
six  Billing  Cycles.  Otherwise,  the  Overlimit  Fee 
is  $40.  The  Overlimit  Fee  will  never  exceed  the 
maximum amount you are over your Credit Limit 
during the Billing Cycle.
Documentation  Fee.  You  may  request  a  copy 
of a Statement previously sent to you for a Doc-
umentation  Fee  of  $3  per  Statement,  which  will 
be applied to your Account. Copies of sales tick-
ets  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 Bill-
ing Rights - Keep This Notice for Future Use”).
MILITARY LENDING ACT
The Military Lending Act provides protections for 
Covered  Borrowers.  The  provisions  of  this  sec-
tion  apply  to  Covered  Borrowers.  If  you  would 
like  more  information  about  whether  you  are  a 
Covered Borrower, you may contact us at 1-800-
583-5698.
Statement  of  MAPR.  Federal  law  provides  im-
portant  protections  to  members  of  the  Armed 
Forces  and  their  dependents  relating  to  exten-
sions of consumer credit. In general, the cost of 
consumer credit to a member of the Armed Forc-
es 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  in-
surance premiums; (2) fees for ancillary products 
sold  in  connection  with  the  credit  transaction; 
(3)  any  application  fee  charged  (other  than  cer-
tain application fees for specified credit transac-
tions  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 1-800-290-6421.
Applicability  of  Arbitration  of  Disputes  Pro-
vision. The Arbitration of Disputes Provision set 
forth in this Agreement does not apply to Covered 
Borrowers.
LOST CARDS AND UNAUTHORIZED USE
You will take reasonable steps to prevent the un-
authorized use of your Card and Account. If your 
Card is lost or stolen or if someone else might be 
using it without your permission, you must tell us 
at once. You may tell us by calling the telephone 
number  on  the  back  of  your  Card  or  on  your 
Statement or by writing us at the address on your 
Statement.  You  will  not  be  responsible  for  the 
charges made to your Account that are found by 
us to be unauthorized. If we reimburse your Ac-
count for unauthorized charges made using your 
Card or Account, you will help us investigate, pur-
sue, and get reimbursement from the wrongdoer. 
Your help includes giving us documents that we 
ask for and are acceptable to us.
COMMUNICATIONS
Telephone  Monitoring  and  Recording;  Com-
munications.  You  consent  and  agree  that,  ex-
cept as restricted by applicable law, we may mon-
itor and/or record telephone calls regarding your 
Account,  suppress  caller  identification  services, 
use  prerecorded  messages,  and  use  an  auto-
mated telephone dialing and announcing system. 
You  expressly  consent  that  we  and  our  agents, 
any  servicer,  or  any  subsequent  owner  of  your 
Account may (i) contact you at any cellular tele-
phone number that you provided as part of your 
application, at any number that you later provide 
(including,  without  limitation,  after  your  Account 
is in a default status), or at any other number that 
is  identified  as  related  to  you,  including  by  text 
message, and (ii) use automated telephone dial-
ing systems to initiate such contacts and/or leave 
recorded messages.  
If you provide us at any time with an email con-
tact 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.
We or our representatives may contact you from 
time to time regarding the Account, or to ask for 
additional information about you or your experi-
ence  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.
How  to  Revoke  Consent  for  Future  Commu-
nications: If you want to revoke your consent to 
future  communications  as  described  in  the  pre-
vious paragraph, you must send us a written no-
tice that includes: (i) your name, mailing address, 
and Account number(s); (ii) the specific telephone 
number(s),  email  address(es)  and/or  mailing  ad-
dress(es) at which you no longer wish us to con-
tact  you,  and  (iii)  the  types  of  communications 
(telephone, text, email, and/or mail) for which you 
are revoking consent. You must send this written 
notice  to:  Genesis  FS  Card  Services,  P.O.  Box 

4477, Beaverton, OR 97076. You understand and 
agree that it may take up to three business days 
after  receipt  of  your  written  notice  to  process 
your request, and that you consent to continued 
communications during this period of time.  
OUR RIGHTS AND HOW THEY AFFECT YOU
Merchant Refunds. If a merchant agrees to give 
you  a  refund  for  goods  or  services  purchased 
with your Card or Account, you will accept a cred-
it on your Account instead of a cash refund. We 
do  not  control  when  a  merchant  sends  us  your 
refund and we will have a reasonable amount of 
time after we receive your refund to process it.
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 language. If you send such a payment, 
we  may  accept  it  without  losing  any  of  our 
rights under this Agreement. All written com-
munications  concerning  disputed  amounts, 
including any check or other payment instru-
ment that indicated that the payment consti-
tutes  “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 Gen-
esis FS Card Services, P.O. Box 4499, Beaver-
ton, Oregon 97076.
Credit Reports and Information. You authorize 
us to make or have made any credit, employment, 
or  other  investigative  inquiries  we  deem  appro-
priate  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 inac-
curate 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 writ-
ing to us at Genesis FS Card Services, P.O. Box 
4499, Beaverton, OR 97076.
Default and Collection. Unless prohibited by ap-
plicable law, your Account is considered to be in 
default if (1) you fail to make the required Month-
ly  Minimum  Payment  on  or  before  the  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 no-
tice of default and right to cure or other restric-
tions  of  applicable  law,  if  you  are  in  default,  we 
may declare the entire balance due immediately. 

You agree to pay our reasonable costs and attor-
neys’ fees and expenses related to the collection 
of your Account, and retrieving your Card, 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 Agree-
ment.  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 Cash Advances 
and  also  to  the  outstanding  balance  of  your 
Account, subject to the limitations of applica-
ble law.
Delay in Enforcement. We can delay enforcing 
our  rights  under  this  Agreement  without  losing 
them.
OTHER PROVISIONS
Ownership and Use of Your Card. As the Card-
holder, you are liable for all credit obtained under 
your Account. If you authorize another person to 
use  your  Card,  you  are  liable  for  any  credit  ob-
tained on your Account for as long as that person 
holds the Card. In addition, you will remain liable 
until you recover possession of the Card. Misuse 
of your Card by an authorized person will not be 
considered  unauthorized  use.  See  “Lost  Cards 
and  Unauthorized  Use”  above.  Upon  demand, 
you must immediately return any Card we supply 
to you or destroy the Card by cutting it in half.
Transactions. You will retain for Statement ver-
ification  your  copy  of  each  Purchase  slip,  Cash 
Advance or other transaction to your Account.
Transfer  of  Your  Account.  You  may  not  trans-
fer  your  Account  to  any  other  person.  We  may 
assign  your  Account  or  amounts  owing  under 
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. 
Closing or Suspending Your Account. We may 
close or suspend your Account or your ability to 
obtain  credit  on  your  Account,  or  both,  at  any 
time, for any reason permitted by law and with or 
without advance notice.
You may close your Account at any time by con-
tacting  us.  The  closure  of  Account  will  not  be-
come effective until you have returned to us all of 
the Cards we have given you. If you have a joint 
Account  and  want  to  remove  one  of  the  names 
from the Account, we must receive a written re-
quest signed by both of the Cardholders on the 
Account  and  all  Cards  must  be  returned  upon 
request. 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 reapply for a new Card for an individual 
Account when you request a change from a joint 
Account to an individual Account.
If  your  Account  is  closed  or  suspended  for  any 
reason,  you  must  stop  using  your  Card.  You 
must  also  cancel  all  billing  arrangements  to  the 
Account. We will not do this for you. If we close 
or permanently suspend your Account, you must 
also return all Cards to us. You must still pay us 

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