CARDMEMBER AGREEMENT 

This Cardmember Agreement, together with your Pricing and Terms Schedule, contains the terms and 
conditions that apply to your credit card Account. The Bank of Missouri has issued your credit card 
Account and assigned its servicing rights and other rights to Home Credit US, LLC. When you use your 
Account, you have accepted this Agreement. 

1   DEFINITIONS 

“Agreement” 
“Account” 

“we,” “us” and “our” 

“you” and “your” 

“APR” 
“DPR” 

“Balance Category” 

This Cardmember Agreement and your Pricing and Terms Schedule. 
Your credit card Account which can be accessed through an assigned 
Account number or card. 
The Bank of Missouri, Home Credit US, LLC, and their respective successors 
and assigns. 
All individuals listed on the credit card application and everyone you authorize 
to use the Account or who is issued a card. 
The annual percentage rate, more commonly referred to as the interest rate. 
The daily periodic rate, which is the APR divided by 365 days (366 days in 
leap years). 
The classifications we use to track your Account transactions, such as (i) 
Purchases; (ii) Balance Transfers; (iii) Cash Advances; and (iv) Special Offers. 

2   ACCOUNT USE 

You may use your Account to make Purchases. If your Account is eligible, you may also use your 
Account to make Balance Transfers and Cash Advances.  
When you use your Account you are agreeing to pay us back.  
You are responsible for all transactions on your Account including all transactions made by anyone you 
authorize to use your Account or who is issued a card.  
In our sole discretion, we may decline your transactions and we are not liable to you if we do so.  
We may delay the delivery of a card to you until we have evaluated your payment behavior and you 
have demonstrated your intention to repay us. 

3   BALANCE CATEGORIES 

“Purchases” 
“Balance Transfers” 

“Cash Advances” 

“Special Offers” 

The purchase of goods or services using your Account. 
The use of your Account to transfer balances from other credit card 
companies. 
The use of your Account to obtain cash from participating automated teller 
machines, financial institutions, or other locations. 
The use of your Account for introductory, promotional, deferred interest, or 
Equal Payment Feature (EPF) offers. These Special Offers will be individually 
tracked on your monthly statement and each treated as its own Balance 
Category.  If we provide you with Special Offers after your Account is opened, 
the terms and conditions of those Special Offers will be delivered to you 
through separate materials.  

4   CREDIT LIMIT 

We will establish a credit limit for your Account.  
We may limit the amount of your credit limit that is available for Balance Transfers and Cash Advances.  
We may increase or decrease your credit limit at our sole discretion.  

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You agree to not exceed your credit limit. If you exceed your credit limit, you agree to immediately 
repay any amount that exceeds your credit limit. 
We may restrict your access to your full credit limit even if we have already credited your Account for a 
payment until we have confirmation that the payment has been honored.  

5   CHECKS THAT ACCESS YOUR ACCOUNT 

If Balance Transfers and Cash Advances are available on your Account we may provide you with 
checks that can be used for completing those types of transactions.  
If a Special Offer applies to the checks that we provide to you, the terms of that Special Offer will be 
described in the documents that accompany the checks.  
You may not use these checks to make payments on any Account with us. 

6   MONTHLY STATEMENTS 

We will send you a monthly statement each billing cycle your Account has a balance. Each billing cycle 
will generally cover the same time period each month. 
These monthly statements will show you the statement closing date; the previous statement balance; 
all new transactions, fees, and interest charges for the billing cycle; the new statement balance; the 
minimum monthly payment due; and your payment due date. 
Your minimum monthly payment will be due on the same day each month. 

7   PAYMENTS 

How we will calculate 
your required 
minimum monthly 
payment 

The required minimum monthly payment you must pay will be: 
Your new balance if it is less than $25; or 
The greater of:  
(a) $25 or  
(b) 3% of your new balance (excluding EPF balances) plus: 
The current billing cycle’s fees and finance charges, 
EPF monthly payment(s), and 
Any past due amount. 

How to make 
payments 

How we will apply 
your payments 

You may pay your full Account balance at any time, but, you must pay at least 
the required minimum monthly payment due by 5:00 p.m. CT on the due date 
depicted on your statement. Payments received after 5:00 p.m. CT will be 
credited the next business day. 
Payments must be made in U.S. Dollars and through a U.S. Bank. Payments 
may be made through our mobile application, online at 
www.homecreditus.com/myAccount, by calling 855-456-8048, or by mailing 
your payment to the address listed on your statement. 
If we accept payments that are in foreign currency through non-U.S. Banks you 
will be responsible for any extra costs associated with the processing of 
payments made in foreign currency. 
We may accept payments marked “paid in full” or similarly marked without 
losing our right to receive complete payment of all amounts owed. 
We will apply your required minimum monthly payment in the manner we 
choose, including in a manner that is favorable to us. If you make a payment in 
excess of the required minimum monthly payment, we will apply the excess 
payment first to balances with the highest APR and any remaining amounts to 
your other balances with lower APRs in descending order. If you have a 
balance subject to deferred interest, we will apply any excess payment first to 
that deferred interest balance during the final two billing cycles of the deferred 
interest period for that balance. 

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8   INTEREST 

How interest rates 
(APRs) are 
calculated 

You will find the APRs (and the corresponding DPRs) that apply to your 
Account in the Pricing and Terms Schedule.  

Variable APRs are calculated by adding a margin to an index. The margin and 
index used to calculate variable APRs are shown in the Pricing and Terms 
Schedule. 

How interest is 
charged 

Grace period 

DPRs are calculated by dividing the corresponding APR by 365 days (366 
days in leap years). 

If there is an increase in a variable APR, your interest charges will increase 
and your required minimum payment may also increase. 

Interest will be charged by applying the applicable APR to the outstanding 
balance for each Balance Category. Interest will not be charged on any 
outstanding balance that is subject to a grace period. 

To avoid paying interest on Purchases, you must pay your new statement 
balance by the due date each billing cycle. 

If you do not pay your new statement balance in any billing cycle, you will not 
receive a grace period on new Purchases and will be charged interest from the 
date of those transactions. 

To regain the grace period on Purchases, you must pay your new statement 
balance for two consecutive billing cycles.  

Balance Transfers and Cash Advances have no grace period. We begin 
charging interest on Balance Transfers and Cash Advances on the transaction 
date. 

Balance computation 
method 

We calculate interest charges each billing cycle using a method called 
“Average Daily Balance (including new transactions).” 

First, we calculate your daily balance for each Balance Category by: 
Taking the beginning balance; 
Adding in new transactions; and 
Subtracting any payments and credits. 

The result is the daily balance for each Balance Category. Transactions that 
are subject to a grace period are not added to the daily balance. 

Second, we calculate your Average Daily Balance for each Balance Category 
by: 
Adding together all the daily balances for each Balance Category; and 
Dividing the result by the number of days in the billing cycle. 

After we calculate your Average Daily Balance for each Balance Category, we 
determine your interest charge by: 
Multiplying your Average Daily Balance for each Balance Category by the DPR 
for that Balance Category; and 
Multiplying the result by the number of days in the billing cycle. 

We treat credit balances as a zero balance for purposes of this calculation. 

Minimum Interest 
Charge 

If you are charged interest, it will not be less than $1.00. This “Minimum 
Interest Charge” is disclosed in your Pricing and Terms Schedule. 

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Active duty military 
and their dependents 

If you are a member of the military on active duty or the dependent of an active 
duty military member on active duty at the time you open your Account, the 
Military Lending Act provides you with additional rights and protections.  

You are protected under the Military Lending Act if any of the following apply to 
you at the time you open your Account: (i) You are a member of the U.S. 
armed forces on active duty under a call or order not specifying a period of 30 
days or less; (ii) You are an active Guard or Reserve; or (iii) You are the 
spouse or dependent of a person who qualifies under (i) or (ii). 

Federal law provides important protections to active duty members of the 
Armed Forces and their dependent relating to extensions of consumer credit. 
In general, the cost of consumer credit to a member of the Armed Forces and 
his or her dependent may not exceed an annual percentage rate of 36 percent. 
This rate must include, as applicable to the credit transaction or Account: The 
costs associated with credit insurance premiums; fees for ancillary products 
sold in connection with the credit transaction; and applicable fee charged 
(other than certain application fees for specified credit transactions or 
Accounts); and any participation fee charged (other than certain participation 
fees for a credit card Account). 

You can contact us at 855-456-8048 to listen to these disclosures and obtain 
information about payments. 

9   OTHER FEES 

Foreign Transaction 
fee   

ATM fee 

Late Payment fee 

Returned Payment 
fee 

Copy fee 

Expedited Payment 
fee 

Expedited card fee 

Additional or 
replacement card fee 
Stop payment fee 

If you make a transaction in a currency other than U.S. Dollars, with a 
merchant outside of the U.S. or its territories, or while you are outside of the 
U.S. or its territories, you may be charged a Foreign Transaction fee. The 
amount of this fee is listed in the Pricing and Terms Schedule. 
If you use an ATM with your Account, you may be charged a fee by the owner/ 
operator of the ATM. 
If we do not receive your required minimum monthly payment by the due date, 
we may charge you a late fee as listed in the Pricing and Terms Schedule. The 
amount of this fee will be determined by your minimum monthly payment due 
and the number of late payments you have made in the last 6 billing cycles. 
If you have a payment that is dishonored for any reason, we may charge you a 
returned payment fee as listed in the Pricing and Terms Schedule. The amount 
of this fee will be determined by the amount of the returned payment and the 
number of returned payments you have made in the last 6 billing cycles. 
If you request additional copies of any documents related to your Account, we 
may charge you a fee of $5 for each additional copy. We will provide you with 
one complimentary copy of a legal disclosure, periodic statement or sales draft 
every 6 months. 
If you request an expedited payment through the assistance of a customer 
service representative, we may charge you a fee. We will disclose the fee at 
the time of your request. 
If you request the expedited delivery of a card, we may charge you a fee. We 
will disclose the fee at the time of your request. 
If you request an additional or replacement card, we may charge you a fee. We 
will disclose the fee at the time of your request. 
If you request to stop or cancel a payment on your Account, we may charge 
you a stop payment fee. We will disclose the fee at the time of your request. 

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10  FOREIGN CURRENCY CONVERSION 

If you make a transaction other than in U.S. Dollars, the amount of the transaction will be converted to 
U.S. Dollars pursuant to the regulations of the applicable credit card network (e.g. MasterCard®, 
VISA®). Those regulations currently provide that the conversion rate may be either a wholesale market 
rate or a government-mandated rate. The currency conversion rate in effect on the date your 
transaction is posted may differ from the rate in effect on the transaction date. 

11  DEFAULT AND DEMAND FOR IMMEDIATE REPAYMENT 

We may close your Account and, to the extent allowed by applicable law, demand immediate 
repayment of all amounts owed on your Account if you: 

Inform us that you have no intention to repay us; 

  Fail to pay a required minimum monthly payment when due; 
 
  Make a payment that is not honored; 
  File for bankruptcy or proceedings are initiated against you for insolvency, receivership, or 

liquidation; 

  Provide any false information to us; 
  Exceed your credit limit; 
  Violate the terms of this Agreement or any other agreement you have with us; 
  Violate the terms of any loan agreement, promissory note, or other obligation to repay money 

to anyone else; or 

  Otherwise give us reason to doubt your ability to pay us back. 

If you make a partial payment to us after one of these events has occurred, we may still demand 
immediate repayment of all amounts owed. 

12  CLOSING YOUR ACCOUNT 

We may close or suspend your Account at any time for any reason with or without advance notice to 
you. We will notify you as required by applicable law.  
You may close your Account by notifying us in writing or calling us at 855-456-8048.  
If your Account is closed by you or by us, you must still repay the amount owed on your Account. 

13  CHANGES TO THIS AGREEMENT 

We may change the terms of your Account and this Agreement at our discretion as allowed by law, 
including increasing or decreasing your interest rate and fees, and adding, modifying, or deleting 
provisions.  
We will notify you of any changes to this Agreement and provide you with the opportunity to reject 
those changes as required by law. 

14  HOW WE WILL COMMUNICATE WITH YOU AND OTHERS 

ABOUT YOUR ACCOUNT 

How we will 
communicate with 
you. 

We may contact you by phone call, text message, push notification, or email 
using live operators, automatic dialing devices, or prerecorded or artificial 
voice messages at home or at work and you agree that those contacts will not 
be considered unsolicited. 

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If you provide us with your mobile number, you agree that we have your prior 
express consent to contact you at that mobile number, including for collection 
purposes, using automatic dialing devices, or prerecorded or artificial voice 
messages. 

You may opt-out from being contacted through the use of automatic dialing 
devices or prerecorded or artificial voice messages by calling 855-456-8048 or 
by writing us at P.O. Box 2394, Omaha, NE 68103-2394. 

We will automatically send you payment, fraud, account maintenance, and 
customer survey related SMS text alerts to the mobile number you provide us. 
For assistance or to opt-out from receiving these SMS text alerts reply HELP 
or STOP at any time. 

You may opt-in to receiving additional SMS text messages such as Account 
alerts, loyalty, and promotional alerts. You may opt-in, opt-out, and customize 
your Account alerts at www.homecreditus.com/myAccount. For assistance or 
to opt-out of these alerts text HELP or STOP at any time. 

Carrier message and data rates may apply. Fraud alerts are sent free to end 
user. Message frequencies may vary. If you have any questions regarding 
these alerts, please call customer service at 855-456-8048. 
Phone calls we make to you or receive from you may be monitored or 
recorded. 

You agree to notify us immediately of any change in your mailing address, 
email address, or telephone number. 

How we will 
communicate with 
credit bureaus and 
others. 

When you applied for your Account, you consented to us obtaining consumer 
report information about you from credit bureaus and other persons for the 
purposes of extending credit to you and reviewing, servicing, and maintaining 
your Account.  

We may report information about you and your Account to credit bureaus. Late 
payments, missed payments, or other defaults on your Account may be 
reflected in your credit report. 

15  ARBITRATION AND CLASS ACTION WAIVER 

THIS ARBITRATION PROVISION WILL NOT APPLY TO YOU IF: (i) you are a member of the U.S. 
armed forces on active duty under a call or order not specifying a period of 30 days or less; (ii) 
you are an active Guard or Reserve; or (iii) you are the spouse or dependent of a person 
described in (i) or (ii). 
Class action waiver  A “Class Action Proceeding” is any court proceeding or arbitration 

brought on behalf of a group or class. To the fullest extent allowed under 
the law, you and we both agree that: 
Claims will not be pursued in Class Action Proceedings; 
You waive the right to initiate or participate in class action Proceedings 
against us; 
We waive the right to initiate or participate in Class Action Proceedings 
against you; 
If anyone else initiates a Class Action Proceeding against you, we may 
not and will not join the proceeding or participate as a member of the 
class; and 
If anyone else initiates a Class Action Proceeding against us, you may 
not and will not joint the proceeding or participate as a member of the 
class. 

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How arbitration works  The American Arbitration Association (“AAA”) will conduct the arbitration 

Claims subject to 
arbitration 

according to this arbitration provision and the applicable AAA arbitration rules 
in effect when the claim is filed (“AAA Rules”). If the AAA Rules conflict with 
this arbitration provision, this arbitration provision will control. You can obtain a 
copy of the AAA Rules on the AAA’s website (www.adr.org) or by calling (800) 
778-7879.  

You or we have the right to: elect an in-person hearing, appear at the hearing 
via phone or other electronic means, and/or be represented by an attorney. 
Any in-person hearing will be held in the same city as the U.S. District Court 
closest to your current billing address. 

You or we may elect arbitration without the other’s consent to resolve all past, 
present, and future claims (“Claim”) arising out of or relating to: (i) any past or 
present Account we have had or have with you; (ii) this Agreement; or (iii) any 
acts or omissions by you or us related to or which affects your Account or this 
Agreement. 

All Claims are subject to binding arbitration regardless of the legal theory they 
are based on, including Claims: (i) based on contract or tort (including 
intentional torts); (ii) based on constitutional, statutory, regulatory, or common 
law; or (iii) made in law or in equity. 

Claims filed in small claims court are not subject to arbitration provided they 
remain in small claims court. 

Claims may not be brought in a class proceeding or representative basis. Any 
decision by the arbitrator to entertain such claims may be appealed to a court 
of competent jurisdiction. 

Beginning Arbitration  Arbitration may be commenced at any time by you or by us in accordance with 
the AAA Rules. This is true even if there is a pending lawsuit, provided trial has 
not commenced or a final judgment rendered. If there is a pending lawsuit, you 
or we may file a motion with the court to compel arbitration. 

The Arbitrator’s Role 

If we begin arbitration against you on a Claim, we will notify you in writing. Our 
notice will provide you with: 

  An explanation of the dispute; 
  Our name and address and the names of any of our representatives 

involved in the Claim; 

  The amount of money in dispute, if applicable; 
  The requested location for the arbitration hearing if an in-person 

hearing is requested; and 

  A statement of the relief we are demanding. 

If you commence arbitration against us, you must notify us in writing. Your 
notice must provide us with the same information we must provide you. 

The arbitrator shall be impartial and neutral and must be either a lawyer with at 
least ten years of experience or a retired judge. The arbitrator shall apply 
applicable law consistent with the Federal Arbitration Act (“FAA”) and any 
applicable statute of limitations. The arbitrator shall not have the authority to 
award punitive damages. The arbitrator will issue a written decision which shall 
be binding and final. The arbitrator’s final decision shall only be subject to 
judicial review as provided under the FAA. Confirmation of an award of the 
arbitrator may be entered in a court of competent jurisdiction. 

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Costs and Expenses 

Survivability 

Severability 

Confidentiality 

Arbitration fees shall be determined according to the AAA Rules. You and we 
are each responsible for all respective arbitration costs and expenses 
(including applicable attorney’s fees) unless the arbitrator awards such costs 
and expenses as allowed by applicable law or the AAA Rules.  

This arbitration provision shall survive: (i) termination of or changes to this 
Agreement, your Account, or the relationship between you and us concerning 
your Account; (ii) the bankruptcy of any party; (iii) the payment of your 
Account; and (iv) any transfer, sale or assignment of your Account, or any 
amounts owed on your Account to any other person or entity.  

If any portion of this arbitration provision is deemed invalid or unenforceable, 
the other terms shall remain in force, except that there can never be a class 
nor representative arbitration or court action. No portion of this arbitration 
provision may be amended, severed, or waived other than through a written 
agreement between you and us. 

The decision to arbitrate and the arbitration itself are private matters. Neither 
you nor we may disclose any details surrounding the arbitration proceeding, 
including its existence and outcome. Only you, your attorneys, us, our 
attorneys, and approved witnesses and experts are permitted to attend the 
arbitration hearing and must sign a mutual nondisclosure agreement before 
attendance will be allowed. 

16  BILLING RIGHTS 

YOUR BILLING RIGHTS – KEEP THIS DOCUMENT FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What to Do If You Find A Mistake On Your Statement  
If you think there is an error on your Statement, write to us at the address for billing inquiries and 
correspondence shown on the front of your Statement. 
In your letter, give us the following information:  

•  Account information: Your name and Account number.  
•  Dollar amount: The dollar amount of the suspected error.  
•  Description of problem: If you think there is an error on your bill, describe what you believe 

is wrong and why you believe it is a mistake.  

You must contact us:  

•  Within 60 days after the error appeared on your Statement.  
•  At least 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 or electronically. You may call us, but if you do we 
are not required to investigate any potential errors and you may have to pay the amount in question.  

What Will Happen After We Receive Your Written Complaint  
When we receive your written complaint, we must do two things:  
1.  Within 30 days of receiving your written complaint, we must tell you that we received your written 

complaint. We will also tell you if we have already corrected the error.  

2.  Within 90 days of receiving your written complaint, we must either correct the error or explain to 

you why we believe the bill is correct.  

While we investigate whether or not there has been an error:  

•  We cannot try to collect the amount in question, or report you as delinquent on the 

disputed amount.  

•  The charge in question may remain on your Statement, and we may continue to charge 

you interest on that amount.  

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•  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 bill is wrong, you must write to us within 10 days 
telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also 
reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
you as delinquent, and we must let those organizations know when the matter has been settled 
between us.  
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you 
question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your 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 Purchase was based on an advertisement we mailed to you, or if 
we own the company that sold you the goods or services.)  

2.  You must have used your credit card for the Purchase. Purchases made with cash advances 

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 Purchase.  

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in 
writing or electronically at the address for billing inquiries and correspondence shown on the 
front of your Statement.  

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish 
our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do 
not pay, we may report you as delinquent. 

17  LIABILITY FOR UNAUTHORIZED USE 

If you notice the loss or theft of your card or a possible unauthorized use of your card, you should call 
us immediately at 855-456-8048. You may also write us at Home Credit, P.O. Box 2394, Omaha, NE 
68103-2394. You will not be held responsible for the unauthorized use of your card. 

18   ADDITIONAL TERMS FOR YOUR ACCOUNT 

Governing law 

Assignment 

This Agreement and your Account will be governed by Missouri law and 
Federal law, without regard to conflict of law principles. For purposes of Mo. 
Rev. Stat. §408.140, Nebraska law will govern credit card fees (but not 
interest) under this Agreement. 
You may not assign or transfer your Account or your rights or obligations under 
this Agreement. We may assign or transfer all or some of our rights and 
obligations under this Agreement. 

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Waiver 

Severability 

If we elect not to enforce our rights or delay the enforcement of our rights 
under this Agreement, our election is not a waiver of our rights and we may still 
enforce our rights in the future. 
If any provision of this Agreement is deemed to violate applicable law, that 
provision shall be considered altered to comply with applicable law. Any such 
provision shall not affect any other provisions of this Agreement. 

Complete Agreement  This Agreement replaces any prior communications between you and us. If 

Headings 

your Account has additional rewards or benefits programs, those programs will 
be explained through separate written terms and conditions. Rewards and 
benefits terms and conditions are subject to change without notice and may be 
administered by third-parties. 
Headings in this Agreement are used solely for convenience and reference 
and do not limit or modify its provisions. 

©Home Credit US, LLC 

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