For Questions About Your Account, Please Contact 
    Retailer Name:                  Creditor: The Bank of Missouri   
                                                                        the Servicer Below 
    Retailer Address:               P.O. Box 1097 
                                                            Servicer:  Tidewater Finance Company   
                                    St. Robert, MO 65584         P.O. Box 13306 
                                 Reference Number:               Chesapeake, VA 23325-3306  
                               Application for Credit Account    1-888-413-1083 
                
          SEE ATTACHED CREDIT AGREEMENT AND TRUTH IN LENDING DISCLOSURES FOR TERMS AND COSTS OF CREDIT 
    Applicant�s Last Name                       First Name   Initial  Social Security Number  Date of Birth  Area Code/Phone Number 
                                                                                                                                                   
    Co-Applicant�s Last Name    First Name   Initial  Social Security Number  Date of Birth  Area Code/Phone Number  
                                                            
    Applicant�s Current Address   City      State  Zip Code  Move-in Date 
                                                           Month                              Year                      
    Monthly Mortgage/Rent Payment  E-Mail Address(es) 
                                
                Present Employment�Applicant           Present Employment�Co-Applicant 
    Employer Name                           Employer Name 
    Employer Address                        Employer Address 
    Area Code/Phone Number  Job Title       Area Code/Phone Number  Job Title 
    Gross Annual Employment Income  Date Of Employment  Gross Annual Employment Income  Date Of Employment 
    $                       Month                  Year  $    Month                    Year 
    Other Income (Note:  You do not need to disclose alimony, child support or separate  Other Income (Note:  You do not need to disclose alimony, child support or separate 
    maintenance income if you do not want us to consider it as a source for payment of  maintenance income if you do not want us to consider it as a source for payment of 
    this obligation.)                       this obligation.)                                                                       
    Other Income $      Other Income Sources(s)  Other Income $  Other Income Sources(s) 
    Nearest Relative Who Does Not Live With You & Relationship  Relationship 
    Current Address          City           State  Zip        Area Code/Phone Number 
     
    State Laws Require Us To Give The Following Notices: California Residents: Applicant if married may apply for a separate account.        If you wish to receive disclosure of the terms for 
    this credit, pursuant to the Areias Credit Card Full Disclosure Act of 1986, check here and return to the address on this application.  New York Residents:  NOTICE TO NEW YORK CONSUMER:  
    In connection with your application for credit, a credit report may be obtained which contains information on your creditworthiness, credit standing, credit capacity and general reputation.  If you 
    request, you will be informed whether a consumer report was obtained and if so, you will be given the name and address of the consumer reporting agency which furnished the report.  If your 
    application is granted, subsequent consumer reports may be obtained in connection with any update, extension or renewal of credit.   New York residents may contact the New York state 
    department of financial services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods.  Call 1-800-342-3736 or visit www.dfs.ny.gov.  
    Ohio Residents: THE OHIO LAWS AGAINST DISCRIMINATION REQUIRE THAT ALL CREDITORS MAKE CREDIT EQUALLY AVAILABLE TO ALL CREDITWORTHY CUSTOMERS, AND 
    THAT CREDIT REPORTING AGENCIES MAINTAIN SEPARATE CREDIT HISTORIES ON EACH INDIVIDUAL UPON REQUEST.  THE OHIO CIVIL RIGHTS COM MISSION ADMINISTERS 
    COMPLIANCE WITH THIS LAW.  Wisconsin Residents: Marital Agreement Notice�No provision of a marital property agreement, unilateral statement under Sec. 766.59 Wis. Stats., or court 
    decree under Sec. 766.70 Wis. Stats., will adversely affect our rights unless we are furnished a copy of the agreement, statement of decree, or we have actual knowledge of its terms, before 
    credit is granted or the account is opened.  We ask married residents of Wisconsin to provide the following information: 
    Name of Co-Applicant                    Address of Co-Applicant 
    1. Your signature means that you apply to The Bank of Missouri for credit pursuant to the terms of the Credit Agreement (�Agreement�) attached hereto.  2. If Your application for credit is 
    approved, Your signature means that you have read and agree to the terms of the Agreement and that all purchases on your Account are subject to the Agreement. Service charges not in excess 
    of those permitted by law will be charged on outstanding balances.  The information you furnish in this Application and on an alternate form, whether paper or electronic (�Application�) is, to the 
    best of your knowledge, complete and accurate and becomes part of the Agreement. You agree: (a) that we may obtain credit reports on you in connection with your Application and may obtain 
    subsequent credit reports to update, renew or extend additional credit for which you apply, verify information provided on your Application, and for all other lawful uses; (b) that your information 
    in alternate application forms may be used. 3. You consent to us and any servicer of the Account placing calls and sending text and email messages regarding the Account to any 
    phone number or email address now or in the future associated with you, that wireless service providers may charge you for such communications, and you consent to our use of 
    prerecorded or artificial voice messages and automatic dialing devices for such communications.  You further agree that for Application and collection purposes, we may contact your 
    employer, landlord, references and relatives to verify your employment, residence, or location unless prohibited by law. 4. APPLICATIONS ELECTRONICALLY EXECUTED:  If Your Application 
    for credit is approved, Your electronic signature and/or electronic acceptance on this Application for credit evidences Your intent to enter the Agreement and You certify that You received, read, 
    understand and agree to the terms of the Agreement.  
    Patriot Act Notice: Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens 
    an account, including your name, address, date of birth and other information that will allow us to verify your identity. 
      COVERED MILITARY BORROWERS: If you are a �covered borrower,� as defined under the Military Lending Act, 10 U.S.C. � 987, as amended, (i) the �Arbitration Provision,� (ii) any 
      waiver of right to legal recourse under any state or federal law and (iii) any other provision in this Agreement that is not enforceable against you under the Military Lending Act does not 
      apply to you so long as you are a �covered borrower.� 
    You acknowledge that before signing below you received a copy of the Agreement in a form you can keep and that you read it and understood 
    its terms. 
    Applicant�s Signature                   Date         Credit Limit 
    Co-Applicant�s Signature                Date         Associate Name & Number Confirming ID 
    Applicant US Government Issued Photo ID Type  I.D. Number  State  Issue Date  Expiration Date 
    Co-Applicant US Government Issued Photo ID Type  I.D. Number  State  Issue Date  Expiration Date 
    Version 1-2019 
                         CREDIT AGREEMENT AND TRUTH IN LENDING DISCLOSURES   
                        New York Residents:  RETAIL INSTALMENT CREDIT AGREEMENT   
     
                                              
     
                                             or its rights and/or obligations under the Agreement (�Assignee�). �You,� �you,� 
                                             Your� or �your� means every individual who signs the Application  
     Interest Rates and Interest Charges 
                                             for the Account and who is authorized to charge purchases of goods to the 
                                             Account. 
     Annual Percentage 
                                             1.  We May Assign Our Interest in Obligations Owed Pursuant to This 
     Rate (APR) for  34.99% 
     Purchases                               Agreement: We may assign our interest in any obligations owed pursuant to the 
                                             Agreement to Tidewater Finance Company, P. O. Box 13306, Chesapeake, 
                  Your due date is at least 25 days after the close of  VA 23325. Phone 1-888-413-1083, though we are not obligated to do so. We 
                  each billing cycle.  We will not charge you any  may also assign the Agreement at our discretion to  any party  we choose.   
                  interest on purchases if you pay your entire balance 
     How to Avoid Paying                     Tidewater Finance Company will service your Account on our behalf.  
                  in full by the due date every month.   If we do not 
     Interest                                2. Use of Account and Your Promise to Pay: Your Account is a credit line in 
                  receive the full amount due (the �New Balance�  the amount of your credit limit, which will be communicated to you at the time of 
                  shown on your monthly statement) by the payment  credit approval. You may use the Account to make Purchases in accordance with 
                  Due Date every month, interest will be charged.  the terms of this Agreement.  Any Purchases will reduce the credit available under 
                                             the credit limit by the amount of the Purchase.  As you repay those amounts, your 
                                             available credit will be restored by the amounts you repay (though there may be 
                  If you are charged interest, the charge will be no  a delay in restoring available credit after funds clear your bank).    If we allow you 
     Minimum Interest Charge 
                  less than $0.50.           to make Purchases that exceed your credit limit, you agree to repay  those 
                                             amounts immediately upon demand.  You may access the unused portion of the 
                                             credit limit so long as you are not in default under this Agreement.  You agree to 
                  To learn more about factors to consider when  pay for all Purchases You or anyone you authorize to use the Account charge to 
     For Credit Card Tips 
     from the Consumer  applying for or using a credit card, visit the website  the Account, and all other charges assessed to the Account under the terms of 
     Financial Protection  of the Consumer Financial Protection Bureau at  this Agreement.  When You sign the Application You agree to every term in this 
     Bureau (�CFPB�) 
                  http://www.consumerfinance.gov/learnmore.   Agreement.  Therefore, read this entire Agreement, including the cost-of-credit 
                                             disclosures  required  by  federal  and/or  state  law,  before  You  sign. 
     Fees                                    3. The Cost of Credit: 
                                                A. Interest Charge Accruals: An interest charge will accrue from the date  Annual Fee  $0 annual fee for first year, then $29 thereafter. 
                                                of any Purchase or other advance you make pursuant to this Agreement.   
                  Does not apply if consumer is a �covered borrower� 
                                                B. Promotional Plan (�Promotional Plan�): If You make a purchase using 
                  as defined under the Military Lending Act, 10 U.S.C. 
                                                a Promotional Plan, including any deferred interest financing program, we 
                  � 987, as amended. 
                                                will communicate the terms of the Promotional Plan at the time of the offer.  
                   
                                                If the Promotional Plan is a deferred interest program, you must make timely 
     Penalty Fees      
                                                minimum monthly payments and must pay your promotional balance in full 
     �  Late Payments  Up to $35 
                                                within the promotional period in order to avoid being assessed interest 
         
                                                charges that accrue during the promotional period from the date of the 
     �  Dishonored Payments 
                  Up to $35                     purchase.  If you fail to do so, you must repay all interest that has accrued 
                                                on the promotional balance from the date of purchase. 
                                                C. Monthly Terms: An interest charge will be imposed at the monthly 
                                                periodic rate of 2.916%, which equates to an annual percentage rate of 
         Military Lending Act Disclosure: Federal law provides important  34.99%.  Interest charges will accrue from the Purchase date, except that 
         protections to members of the Armed Forces and their dependents  no interest charges will be added if each month you pay your entire balance 
         relating to extensions of consumer credit. In general, the cost of  in full by the Due Date.  If we do not receive the full amount due (the �New 
         consumer credit to a member of the Armed Forces and his or her  Balance� shown on your monthly statement) by the payment Due Date, an 
         dependent may not exceed an annual percentage rate of 36 percent.  Interest Charge will be imposed.  Interest may be on your statement 
         This rate must include, as applicable to the credit transaction or  even if the New Balance is paid in full, on time and no New 
         account: The costs associated with credit insurance premiums; fees  Purchases post to your account.  This is referred to as trailing 
         for ancillary products sold in connection with the credit transaction;  interest which is the interest charged when the previous balance 
         any application fee charged (other than certain application fees for  was not paid in full.  When that happens, interest is charged from 
         specified credit transactions or accounts); and any participation fee  the first day of the billing period until your account is paid in 
         charged (other than certain participation fees for a credit card  full.  You can avoid paying interest on purchases by paying your 
         account). To hear disclosures related to the Military Lending Act,  balance in full each and every month.  At any time, You may pay Your 
         please call this toll-free number: 1-800-844-8249.  total unpaid balance including any accrued interest and/or other charges 
                                                without a penalty. 
    How We Will Calculate Your Balance:  We use a method called �Average 
                                                D. We Compute the Interest Charge Using the Average Daily Balance 
    Daily Balance� (including new purchases).  See your account agreement for 
                                                Method:  We compute the interest charge on the Account by applying the 
    more details.  
                                                monthly periodic rate shown to the average daily balance (including new 
    Billing Rights:  Information on your rights to dispute transactions and how to  purchases) of the Account.  To get each day�s daily balance, we take the 
    exercise these rights is provided in your Agreement.    Account�s balance at the beginning of the day, add any new Purchases, and 
                                                subtract all payments or credits.  This gives us the daily balance.  Any unpaid 
    This is a consumer credit contract.         late fees, returned payment fees, or convenience fees, and any accrued and 
    This Credit Agreement (�Agreement�) is our contract with you.  Please read  unpaid interest charges are not added to the daily balance and are not part 
    it carefully.  In this Credit Agreement:    of the Average Daily Balance.   Any negative balance (a credit balance) is 
    �Account� means the open-end credit account You establish with The Bank of  treated as $0.  Notwithstanding anything to the contrary above, any portion 
    Missouri,  St.  Robert,  MO  under  this  Agreement.  �Application�  means  your  of a balance that is repaid while subject to a grace period for interest 
    request for credit (opening of this Account) that You signed. �Purchase� means  Purchases is excluded from the average daily balance and will not incur 
    a transaction made on your Account to purchase goods or services from the  interest charges.  We then add up all the daily balances for the billing cycle 
    retailer identified in the application for this Agreement.  �We,� �us,� and �our� refer  and divide the total by the number of days in the billing cycle, which gives 
    to The Bank of Missouri and any person to whom Bank assigns this Agreement   us the Average Daily Balance.   
      Version 1-2019                            E. Billing Statements and Billing Error Rights:  We will provide a periodic 
                                                billing statement at the end of each billing cycle in which you have account 
      activity or a credit or debit balance.  The periodic billing statement will show  or federal law and (iii) any other provision in this Agreement that is not 
      your Account balance at the end of the billing cycle reflected in the statement  enforceable against you under the Military Lending Act does not apply to you so 
      (�New  Balance�),  your  Monthly  Minimum  Payment  and  other  Account  long as you are a �covered borrower.� 
      information (including transactions and charges). Information about Your right  This paragraph describes Claims that will be arbitrated instead of litigated in court.   
      to dispute transactions is included in Paragraph 22 of this Agreement.   Claims include, but are not limited to, disputes, rights, actions and claims between 
      F.  Minimum  Interest  Charges:   If  the  interest  charge  resulting  from  you and us which preceded or directly or indirectly arose from this Agreement or 
      application of the above stated monthly periodic rate is less than $.50, we  the relationship between you and us involving this Agreement.  You and we agree 
      will impose a minimum finance charge of $.50.    to arbitrate all Claims in any way related to the formation, interpretation, execution, 
      G.  Additional Fees and Charges:   If you make an expedited payment with  performance and enforcement of this Agreement. 
      the assistance of a customer service representative, you will be charged a  Claims to be arbitrated include:  
      convenience fee of $8.00, except as prohibited by applicable law.    �  tort claims, whether unintentional, intentional, negligent or grossly 
      H.  Annual Fee:  $0 annual fee for the first year your account is opened. A  negligent;  
      $29.00 annual fee will be added to your account 12 months after the first  �  express or implied contract claims;  
      purchase posts to the account and annually thereafter until your account is  �  claims based directly or indirectly on the Uniform Commercial Code or 
      closed, whether or not You have an account balance.  The Annual Fee is not  other state law or regulation;   
      refundable, except as otherwise required by applicable law.  The Annual Fee  �  claims arising in whole or in part from a federal statute, including the 
      will not apply if You are a �covered borrower� as defined under the  Truth-in-Lending  Act,  Fair  Credit  Reporting  Act,  Equal  Credit 
      Military Lending Act, 10 U.S.C. � 987, as amended.  Opportunity Act, FTC Act, or the Consumer Financial Protection Act of 
    4. The Amount of Your Monthly Minimum Payment: If there is a balance  2010; and 
    greater than $74.99 on your account, Your Monthly minimum payment is the 
                                                �  claims regarding this agreement to arbitrate, including whether it is 
    greater of $75 or 7.5% of the New Balance reflected on your billing statement, but  void, voidable, a contract of adhesion, fails for lack of consideration, is 
    in no case will the Monthly Minimum Payment exceed $250.  The Total Payment  procedurally or substantively unconscionable, or is contrary to public 
    Due may exceed $250 if the account is delinquent and additional purchases may 
                                                  policy.  
    increase the monthly payment. We reserve the right to change your minimum  You and we agree that an arbitrator, not a federal or state court, regulatory agency 
    payment requirements from time to time, subject to any notice requirements.  or public or private mediator, has the exclusive authority to resolve all Claims. 
    5. How We Will Apply Your Payments: We will apply payments we receive in  You or we may elect that a Claim be resolved by arbitration.  If we elect to require 
    the following order: first, to accrued late fees and credit service charges, next to 
                                             that a Claim be resolved by arbitration but you do not exercise your right to elect 
    the oldest past due minimum payment, then the next oldest past due minimum 
                                             that the Claim be arbitrated, the Claim will be arbitrated. If neither we nor you elect 
    payment, etc.; second, to the current minimum payment due; third, to other unpaid 
                                             arbitration, the Claim will not be resolved by arbitration but will be litigated in court.  
    fees arising under this Agreement, except we will apply payments in a different 
                                             All arbitration under this Paragraph 8 will be by and under the rules (the �Rules�)  
    order where required or allowed by law.   
                                             of the American Arbitration Association (�AAA�) in effect when the Claim is made.  
    6.  What Happens if You Break Your Promises and Default: If you do not pay 
                                             We will substitute another nationally recognized arbitration organization using 
    any Monthly Minimum Payment on time (or within 10 days of the due date in IA), 
                                             procedures similar to the Rules if AAA does not serve or if you ask us to.  For the 
    or, to the extent not prohibited by law, if the prospect of payment or performance 
                                             AAA Rules currently in effect, call AAA at 800-925-0155 or visit its website 
    is significantly impaired, the Account will be in default.  Subject to any notice and 
                                             (http://www.adr.org).   
    right you may have to cure the default, we may declare the entire unpaid balance 
                                             If we or you request arbitration of a Claim, you and we will not have the right to 
    on the Account due and payable (except in WI you will not be in default until you 
                                             litigate the Claim in court.  This means:  
    fail to make a Monthly Minimum Payment on two occasions within any 12-month 
                                                �  there will be no judge or jury trial on the Claim;  
    period).  If after default the Account is referred to an attorney who is not our 
                                                �  no pre-arbitration discovery will be permitted except as the Rules 
    salaried employee, you agree to pay our reasonable attorney's fees, to the extent 
                                                  permit;  
    not prohibited by law.  You also agree to pay reasonable collection costs and court 
                                                �  you will arbitrate your Claim only - no Claim can be arbitrated on a 
    costs incurred in collecting on this Agreement or enforcing our rights in the 
                                                  class or representative basis;  
    Agreement, to the extent not prohibited by law.  Notwithstanding anything to the 
                                                �  neither we nor you will have the right to participate as a representative 
    contrary above:  Utah residents:  Collection Fees and Rights Upon Default:  You 
                                                  or member of any class of persons pertaining to any Claim being 
    understand and accept that if you fail to pay your account by the scheduled due 
                                                  arbitrated; and,  
    date, We may refer your delinquent account to an attorney or a third party 
                                                �  an arbitrator will have no power or authority to arbitrate Claims of 
    collection agency to collect what you owe, and you are responsible for paying  
                                                  multiple persons simultaneously or in conjunction with one another.   
    the attorney fees or third party collection agency fees which may be based on a 
                                             Generally, an arbitrator's decision is final and binding.  Other rights you would 
    percentage at a maximum of 40 percent (40%) of your delinquent account, 
                                             have in court may not be available in arbitration. Neither you nor we waive the 
    together with all costs and expenses.  Attorney Fees available to Non-Defaulting 
                                             right to arbitrate by filing suit until a final judgment is rendered. 
    Party:  In the event either party defaults in any of the terms or provisions of this 
                                             Arbitration hearings will take place in the federal judicial district in which you 
    Agreement, the non-defaulting party shall be entitled to recover its, his or her, 
                                             reside.  If you ask us in writing, we will temporarily advance you the filing, 
    reasonable attorney�s fees, whether or not suit is commenced or final judgment is 
                                             administrative, and hearing fees for the arbitration of your Claim against us (but 
    obtained. 
                                             not if the Claim is against you) in excess of any filing fee you would have had to 
    New  Hampshire  residents:  If  you  successfully  assert  a  partial  defense  or 
                                             pay to file the Claim in a state or federal court (whichever is less) in the judicial 
    counterclaim, the court may withhold part or all of any attorney's fees to which we 
                                             district in which you reside.  The arbitrator will decide if you have to repay the 
    may be entitled. Texas Residents:  If you are in default, we may require you to 
                                             advance.  If you must repay, you agree to do so. The arbitrator may make other 
    repay the entire unpaid principal balance, and any accrued interest at once.   You 
                                             rulings regarding your and our payment of filing, administrative, and hearing fees 
    agree that we do not have to give you notice that we are demanding or intend to 
                                             as required by law or necessary to assure that this Paragraph 8 is enforceable. 
    demand immediate payment of all that you owe.  
                                             Unless unlawful, you and we will each pay our own lawyers', experts' and witness 
    7. How You Must Contact Us If You Try to Settle the Account for Less Than 
                                             fees in all situations related to arbitration.  
    the  Total  Unpaid  Balance:  All  communications  about  disputed  amounts, 
                                             Paragraph 8 is governed by the Federal Arbitration Act (�FAA�).  The arbitrator 
    including any check or other payment instrument in any amount less than the total 
                                             will apply substantive law consistent with the FAA.  The arbitrator will apply all 
    unpaid balance that is marked �paid in full,� any payment tendered with conditions 
                                             applicable limitations periods and will honor all valid privilege and work-product 
    or limitations, or that you otherwise tender as full satisfaction of a disputed 
                                             claims.  If the Rules and Paragraph 8 conflict, Paragraph 8 governs.  Either you 
    amount, must be directed to customer service at our street address shown on 
                                             or we may enter judgment on the arbitrator's award in any court with jurisdiction.  
    your monthly statement.  We will not lose any of our rights by depositing such a 
                                             The arbitrator's decision will be final and binding, except for any appeal right under 
    payment. See Paragraph 16. 
                                             the FAA.  Unless otherwise ordered by the arbitrator, the appealing party will pay 
    8. Arbitration of Disputes-No Jury Trials or Class Actions:  
                                             appeal costs. 
    COVERED MILITARY BORROWERS: If you are a �covered borrower,� as 
                                             You may opt out of this Paragraph 8 by sending a notice of your election to 
    defined under the Military Lending Act, 10 U.S.C. � 987, as amended, (i) the 
                                             do so to Tidewater Finance Company, P.O. Box 13306, Chesapeake, VA 
    �Arbitration Provision,� (ii) any waiver of right to legal recourse under any state  
      Version 1-2019                         23325-3306.  The election to opt out must be signed by all persons obligated 
    on the account and postmarked no later than 10 days from the date of this  law, the laws of the State of Missouri (pursuant to Missouri Revised Statute 
    Agreement.                               408.145,  we  rely  on  Nebraska  law  for  rates  and  fees  imposed  under  this 
    9. What You Agree to Pay if a Payment Is Dishonored: If you use a check  Agreement).  Our ability to collect attorneys� fees, collection and court costs will 
    or electronic payment to make payment on the Account and it is returned or  be governed by the law of your state of residence.    The Agreement is the final 
    dishonored for any reason, including insufficient funds, we may impose a fee of  expression of the credit agreement between the parties and it may  not be 
    $26 that will be charged to the Account, except that if a payment is returned or  contradicted by evidence of an alleged oral agreement.  
    dishonored again within six billing cycles of a prior return or dishonor, you will  20. When This Agreement Becomes Effective: This Agreement is not effective 
    be charged $35.  However, the amount of the fee will not exceed the amount of  until we approve your Application and you or someone authorized by you signs 
    the required minimum periodic payment due immediately prior to assessment  an invoice or otherwise charges a purchase to the Account. 
    of the fee.                              21. Additional Federal and State Law Disclosures:  
    10. What You Agree to Pay if Your Payment is Late: If we do not receive a  Delaware Residents:  You may pay the outstanding balance of your Account in full 
    monthly minimum payment within 10 days of its due date, we will impose a late  at any time without penalty.  Service charges not in excess of those permitted by law 
    fee in the amount of $26, except that if you are late again within six billing cycles  will be charged on the outstanding balances from month to month.   
    of a prior violation, you will be charged $35.  However, the late fee will not exceed  Iowa Residents: This is a consumer credit transaction. 
    the amount of the returned minimum periodic payment due immediately prior to  Maryland Residents: This Agreement is governed by Subtitle 9, Title 12 of the 
    assessment of the late fee.              Maryland Commercial Law Article. 
    11. How We May Cancel or Limit Your Credit: We have the right at any time to  Missouri Residents: Oral agreements or commitments to loan money, 
    limit or terminate the use of the Account and increase or reduce the credit limit  extend credit or to forbear from enforcing repayment of a debt including 
    without giving you advance notice, except to the extent prohibited by applicable  promises to extend or renew such debt are not enforceable. To protect you 
    law.  If our authorization system is not working, we may be unable to authorize a  (borrower(s)) and us (creditor) from misunderstanding or disappointment, 
    transaction even if you have sufficient available credit.  We will not be liable to  any agreements we reach covering such matters are contained in this 
    you if this happens.  We are not responsible for the refusal of anyone to accept or  writing, which is the complete and exclusive statement of the agreement 
    honor an additional Purchase on the Account.  If you close the Account, you  between us, except as we may later agree in writing to modify it.  
    remain responsible for any unpaid balance.    New Hampshire Residents: You will be entitled to reasonable attorney's 
    12. How The Account May Be Closed If It Is Not Used: We will treat the Account  fees if you prevail in any action, suit or proceeding brought by you or us.    
    as closed if: (1) It has a zero balance; and (2) You do not use any of its available  If you successfully assert a partial defense or set-off, recoupment or 
    credit within 12 months of the balance reaching zero (18 months in CA).   counterclaim to an action brought by us, the court may withhold from us 
    13.  We  May  Change  this  Agreement:  We  may  change  any  term  of  this  the entire amount or such portion of the attorney fees as the court 
    Agreement,  including  the  Annual  Percentage  Rate  of  interest  charges,  by  considers equitable. 
    furnishing you any notice of the change required by law and, if required, an  New Jersey Residents:  This agreement applies to residents of multiple states, 
    opportunity to reject the change.  If permitted by law, we may apply any new terms  and  certain  provisions  in  this  agreement  may  be  void,  unenforceable  or 
    to existing Account balances and later transactions.  inapplicable to residents in states other than New Jersey.  None of these 
    14. We May Investigate and Report Your Credit: You authorize us to investigate  provisions  are  void,  unenforceable  or  inapplicable  to  New  Jersey 
    your credit history by obtaining credit reports and making direct inquiries of  residents.  However, please note that, if you reside in New Jersey, any collection  
    businesses including, but not limited to where you have accounts, places where  fees imposed upon default are limited to 20% of the principal balance and 
    you work(ed), and your landlord(s).  We may request credit reports from credit  interest outstanding.  In addition, we will not accelerate the balance solely on the 
    reporting agencies to consider your Application and in connection with updates,  basis that we deem ourselves to be insecure. 
    renewals, extensions of additional credit or collection of the Account.  If you  New York Residents:   New York residents may contact the New York state department 
    request, we will tell you if a credit report was requested and the name and address  of financial services by telephone or visit its website for free information on comparative 
    of the credit reporting agency that furnished the report.  You also authorize us to  credit card rates, fees, and grace periods.  Call 1-800-342-3736 or visit www.dfs.ny.gov.   
    report your performance under this Agreement to credit reporting agencies, and  NOTICE TO THE CONSUMER:  1. Do not sign this credit agreement before 
    others who may legally receive such information.  Important Information About  you read it or if it contains any blank space.  2. You are entitled to a 
    Credit Reporting: We may report information about your account to credit  completely filled in copy of this credit Agreement.   
    bureaus.  Late  payments,  missed  payments,  or  other  defaults  on  your  South  Carolina  Residents:  The arbitration provision in this Note  is not 
    account may be reflected in your credit report.  governed by the South Carolina Uniform Arbitration Act. 
    15. How You May Dispute the Accuracy of Credit Information We Report  Texas Residents: This written loan agreement represents the final agreement 
    About You: If you believe we have reported inaccurate information about you to  between the parties and may not be contradicted by evidence of prior, 
    a credit reporting agency, please contact us though our servicer, Tidewater  contemporaneous, or subsequent oral agreements of the parties. There are 
    Finance Company�, at P.O. Box 13306, Chesapeake, VA 23325-3306.  When  no unwritten oral agreements between the parties. 
    you contact us, identify the information in question, tell us why you believe it is  Utah Residents: As required by Utah law, you are hereby notified that a 
    inaccurate, and provide any documentation that supports your belief.  If you have  negative credit report reflecting on your credit record may be submitted to 
    a credit report that includes the information that you believe is inaccurate, send a  a credit reporting agency if you fail to fulfill the terms of  your credit 
    copy of that report to assist our investigation.  obligations. 
    16. We Do Not Waive Our Rights: You agree we have the right to delay or refrain  West Virginia Residents: The provisions of this Agreement that purport to require 
    from enforcing our rights under this Agreement without  waiving them.  For  you to pay attorneys� fees and collection costs are void.   
    example, and without limitation, we may extend the time you have to make a  For Married Wisconsin Residents:  You agree that this obligation is or will be 
    payment without extending the time to make other payment(s); we may accept  incurred in the interest of the marriage or the family.  
    postdated checks, payments tendered with conditions or limitations and accept   
    late or partial payments without waiving our right to demand that future payments  NOTICE:  As part of the bargained for consideration in this Agreement that 
    be made in full when they are due; and we may forgive a particular charge or fee  is granted in this Account, You consent to us and any servicer of the 
    without waiving our right to impose that charge or fee in the future.  We will not be  Account placing calls and sending text and email messages regarding the 
    liable for depositing postdated checks you may send.    Account to any phone number or email address now or in the future 
    17. We May Monitor and/or Record Telephone Calls: To assure that you  associated with you, that wireless service providers may charge you for 
    receive the best possible customer service and that our employees comply with  such communications, and you consent to our use of prerecorded or 
    the law and our policies, you agree that telephone calls may be recorded or  artificial  voice  messages  and  automatic  dialing  devices  for  such 
    listened to by us.                       communications.   You  further  agree  that  for  Application  and  collection 
    18. You Must Notify Us When Your Address Changes: You agree to promptly  purposes, we may contact your employer, landlord, references and relatives to 
    notify us in writing of your new address if you move or change your mailing  verify your employment, residence, or location unless prohibited by law. 
    address.  Until you give us notice of a new address, we may send monthly   
    statements  and  other  notices  to  the  address  we  have  on  record  for   Patriot Act Notice:  Federal law requires all financial institutions to obtain, 
    the Account.                             verify and record information that identifies each person who opens an 
    19. What Law Governs This Agreement: This Agreement will be construed,  account,  including  your  name,  address,  date  of  birth  and  other 
    applied, and governed by federal law, and to the extent not preempted by federal  information that will allow us to verify your identity.  
    Version 1-2019 
                                             2.  You must have used your credit card for the purchase. Purchases made with 
    NOTICE:  ANY HOLDER OF THIS CONSUMER CREDIT AGREEMENT IS  cash advances from an ATM or with a check that accesses your credit card 
             
    SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD  account do not qualify. 
    ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED  3.  You must not yet have fully paid for the purchase. 
    WITH  THE  PROCEEDS  HEREOF.   RECOVERY  HEREUNDER  BY  THE   
    DEBTOR  SHALL  NOT  EXCEED  AMOUNTS  PAID  BY  THE  DEBTOR  If all of the criteria above are met and you are still dissatisfied with the purchase 
    HEREUNDER.                               contact us in writing at:  
     
                                                         Tidewater Finance Company 
    22. YOUR BILLING RIGHTS 
                                                            P.O. Box 13306 
    KEEP THIS NOTICE FOR FUTURE USE 
                                                         Chesapeake, VA 23325-3306, 
    This notice tells you about your rights and our responsibilities under the Fair Credit 
    Billing Act.                             While we investigate, the same rules apply to the disputed amount as discussed 
    What To Do If You Find A Mistake On Your Statement  above. After we finish our investigation, we will tell you our decision. At that 
    If you think there is an error on your monthly statement, write to us at the address  point, if we think you owe an amount and you do not pay, we may report you 
    listed on your statement. In your letter, give us the following information:  as delinquent. 
    �  Account information: Your name and Account number.    
    �  Dollar amount: The dollar amount of the suspected error. 
    �  Description of problem: If you think there is an error on your monthly 
      statement, describe what you believe is wrong and why you believe it is a 
      mistake. 
    You must contact us: 
    �  Within 60 days after the error appeared on your monthly statement. 
                                                
    �  At least 3 business days before an automated payment is scheduled, if you 
      want to stop payment on the amount you think is wrong. 
    �  You must notify us of any potential errors in writing. You may call us, but if 
      you do we are not required to investigate any potential errors and you many 
      have to pay the amount in question. 
     
    What Will Happen After We Receive Your Letter. 
    When we receive your letter, we must do two things: 
    1.  Within 30 days of receiving your letter, we must tell you that we received 
      your letter. We will also tell you if we have already corrected the error. 
    2.  Within 90 days of receiving your letter, we must, either correct the error or 
      explain to you why we believe the bill is correct. 
    While we investigate whether or not there is an error: 
    �  We cannot try to collect the amount in question, or report you as delinquent 
      on that amount. 
    �  The charge in question may remain on your statement, and we may continue 
      to charge you interest on that amount. 
    �  While you do not have to pay the amount in question, you are responsible 
      for the remainder of your balance. 
    �  We can apply any unpaid amount against your credit limit. 
    After we finish our investigation, one of two things will happen: 
    �  If we made a mistake: you will not have to pay the amount in question, or 
      any interest or other fees related to that amount. 
    �  If we do not believe there was a mistake: You will have to pay the amount in 
      question, along with applicable interest and fees. We will send you a statement 
      of the amount you owe and the date payment is due. We may then report you 
      as delinquent if you do not pay the amount we think you owe. 
    If you receive our explanation but still believe your monthly statement is wrong, 
    you must write to us within 10 days telling us that you still refuse to pay. If you do 
    so, we cannot report you as delinquent without also reporting that you are 
    questioning your bill. We must tell you the name of anyone to whom we reported 
    you as delinquent, and we must let those organizations know when the matter 
    has been settled between us. 
    If we do not follow all of the rules above, you do not have to pay the first $50 of 
    the amount you question even if your bill is correct. 
     
    Your Rights If You Are Dissatisfied With Your Credit Card Purchases. 
    If you are dissatisfied with the goods or services that you have purchased with your 
    account and you have tried in good faith to correct the problem with the merchant, 
    you may have the right not to pay the remaining amount due on the purchase. 
    To use this right, all of the following must be true: 
    1.  The purchase must have been made in your home state or within 100 miles 
      of your current mailing address, and the purchase price must have been more 
      than $50. (Note: Neither of these are necessary if your purchase was based 
      on an advertisement we mailed to you, or if we own the company that sold 
      you the goods or services.) 
     
     
     Version 1-2019 
     
      
                                                                           Rev 1/19  
     
     
     
     
     
                                     Privacy Policy 
     
                                              Account Issued by: The Bank of Missouri 
                             Serviced by: Tidewater Finance Company  
     
      
                        WHAT DOES THE BANK OF MISSOURI DO WITH YOUR PERSONAL INFORMATION 
      FACTS             IN CONNECTION WITH YOUR ACCOUNT SERVICED BY TIDEWATER FINANCE 
                        COMPANY? 
       
                        Financial companies choose how they share your personal information. Federal law gives 
       Why? 
                        consumers the right to limit some but not all sharing. Federal law also requires us to tell you 
                        how we collect, share, and protect your personal information. Please read this notice 
                        carefully to understand what we do. 
       
                        The types of personal information we collect and share depend on the product or service 
       What? 
                        you have with us. This information can include: 
                        ?      Social Security number and transaction history 
                        ?      Account balances and payment history 
                        ?      Credit history and credit scores 
       
                        All financial companies need to share customers� personal information to run their everyday 
       How? 
                        business. In the section below, we list the reasons financial companies can share their 
                        customers� personal information; the reasons The Bank of Missouri chooses to share; and 
                        whether you can limit this sharing. 
     
                                                                   
                                                    Does The Bank  
                                                                   Can you limit this 
      Reasons we can share your personal information  of Missouri  
                                                                      sharing? 
                                                       share?*  
                                                                   
      For our everyday business purposes� 
                                                                   
      such as to process your transactions, maintain your 
                                                        Yes             No 
      account(s), respond to court orders and legal investigations, or 
      report to credit bureaus 
                                                                   
      For our marketing purposes� 
                                                        Yes             No 
      to offer our products and services to you 
      For joint marketing with other financial companies  Yes           No 
                                                   
      For our affiliates� everyday business purposes� 
                                                         No         We do not share 
      information about your transactions and experiences 
                                                   
      For our affiliates� everyday business purposes� 
                                                         No         We do not share 
      information about your creditworthiness 
                                                   
      For non-affiliates to market to you                No         We do not Share 
     
     
     Questions?              Call 1-888-413-1083
    
                       
     Page 2 
     
     Who we are 
                                
     Who is providing this notice?  Tidewater Finance Company (Servicer) on behalf of The Bank of Missouri 
                                 (Issuer) 
     
     What we do 
     How does The Bank of        To protect your personal information from unauthorized access and use, we 
     Missouri protect my personal  use security measures that comply with federal law. These measures 
     information?                include computer safeguards and secured files and buildings. 
                                 Also we only allow employees, authorized service providers and other 
                                 parties as required or permitted by law to access your account. 
     How does The Bank of Missouri 
                                 We collect your personal information, for example, when you 
     collect my personal information? 
                                 ?      open an account or give us your contact information 
                                 ?      pay your bills or apply for a loan 
                                 ?      use your credit or debit card 
                                 We also collect your personal information from others, such as credit 
                                 bureaus, affiliates or other companies. 
     Why can�t I limit all sharing?  Federal law gives you the right to limit only 
                                 ?  sharing for affiliates� everyday business purposes�information about 
                                   your creditworthiness 
                                 ?      affiliates from using your information to market to you 
                                 ?      sharing for non-affiliates to market to you 
                                 State laws and individual companies may give you additional rights to limit 
                                 sharing. See below for more on your rights under state law. 
     
     Definitions 
                                
     Affiliates                  Companies related by common ownership or control. They can be financial 
                                 and nonfinancial companies. 
                                 ?      The Bank of Missouri does not share with its affiliates 
                                
     Non-affiliates              Companies not related by common ownership or control. They can be 
                                 financial and nonfinancial companies. 
                                 ?  Non-affiliates we share with can include other financial companies and 
                                   non-financial companies such as retailers, marketing companies and 
                                   service providers. 
                                
     Joint marketing             A formal agreement between nonaffiliated financial companies that together 
                                 market financial products or services to you. 
                                 ?  Our joint marketing partners include companies such as other financial 
                                   companies and financial service providers. 
     
     Other important information 
    CA Residents: W e will not disclose information about you to other financial service providers with which we have joint 
    marketing agreements, other than as required or permitted by law, unless you authorize us to do so. 
     
    CA, ND, and VT residents: To the extent that related state law applies, we will not disclose information about you to 
    anyone other than our affiliates without your express authorization except as required or permitted by law 
     
    NV residents: We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List 
    by sending a request to P.O. Box 13306, Chesapeake VA 23325 or calling us at 888-413-1083. In addition to our 
    contact information, we are required by Nevada law to provide you with the following information: Bureau of Consumer 
    Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; 
    702-486-3132; BCPINFO@ag.state.nv.us.