GENESIS CREDIT® ACCOUNT AGREEMENT

F03-S151-9 -0817

Dear Accountholder:
This Agreement, as defined below, is your contract for your Account and:
• Covers the terms that govern the use of your Genesis Account;
• Outlines both your responsibilities and ours;
• Includes certain disclosures required by the Federal Truth in

Lending Act, and;

• Contains important information about your Account.

We encourage you to read the Agreement and keep it for your records. 
Please  feel  free  to  call  us  with  any  questions  you  may  have.  We  look 
forward to serving you.

ACCOUNT AGREEMENT

This Agreement contains the terms that govern the use of your Genesis Credit Account and outlines 
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 
submitted for this Account (the “Application”), 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 Agreement. 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 other evidence
of indebtedness.

Definitions
To simplify this Agreement for you, the definitions listed below will apply throughout, both in this 
Agreement and in your monthly statements. In addition, the words you, your, and yours refer to the 
Accountholder(s) who holds the Account Number and is responsible for the Account, each of whom 
is individually and jointly obligated under this Agreement. The words we, us, and our refer to Mid 
America Bank & Trust Company, Dixon, Missouri. 
Account: The Genesis Credit 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.
Account Number: The Account Number issued by us that you may use to make Purchases from 
Provider. Use of your Account Number to obtain credit will be considered a use of the Account.
Accountholder:  The  person  to  whom  an  Account  Number  is  issued,  or  who  has  agreed  to  pay 
obligations arising from an Account Number issued to another person.
Billing Cycle: The time interval covered by a monthly statement. Each Billing Cycle is approximately 
30 days in length.
Card:  Any  Genesis  Credit  branded  Card  issued  by  us  that  you  may  use  to  purchase  goods  or 
services from Provider. Use of your Card to obtain credit will be considered use of the Account.
Closing Date: The date of the last day of a Billing Cycle.
Credit Line: The maximum amount of credit available to you on your Account. Your Account Credit 
Line will be disclosed to you on the monthly statements.
New Balance: The total outstanding Account balance on the Closing Date specified in your monthly 
statement.
Previous Balance: The balance of your Account at the beginning of a Billing Cycle. This will be the 
same as the “New Balance” shown on the previous monthly statement.
Purchase: An extension of credit to your Account for the purpose of purchasing goods or services 
from Retailer.
Purchase  Balance:  The  total  outstanding  balance  of  Purchases  and  interest  charges,  excluding 
amounts included in the Regular Balance. 
Regular Balance: The total outstanding balance of all amounts other than Purchases and interest 
charges, but includes interest charge amounts that would have accrued during a deferred interest 
promotion period and are added to the Account because a deferred interest promotion balance was 
not paid in full when the deferred interest promotion period ended, and any subsequent interest 
charges accrued on such amounts. 
Provider: Participating Aspen Dental locations located in the U.S.

applied as a credit to your Account, and any remaining credit balance will be refunded as required 
by law. 
Credit availability may be delayed at our sole discretion to ensure payment in good funds, and your 
total Credit Line may not reflect your payments for up to 14 days. 

Application of Payments
For each Billing Cycle, payments up to the amount of your monthly minimum payment due will be 
allocated to charges and principal due (including new transactions) in any way we determine. We 
will generally apply payments up to the amount of your monthly minimum payment due in a manner 
most favorable or convenient for us. 
For each Billing Cycle, to the extent your payments exceed the amount of your monthly minimum 
payment due, we will apply these excess amounts in the order required by applicable law. However, 
during the last two Billing Cycles in which a deferred interest promotion balance that is still subject 
to a promotion period remains outstanding, we will apply these excess amounts to the deferred 
interest promotion balance.

Security Interest
If we now, or in the future, hold any title, pledge or security interest in any of your property other 
than your principal residence, it may be that the terms of the instrument creating such title, pledge 
or security interest will also secure your obligations on this Account.

Deferred Interest Promotions

Each purchase transaction (“deferred interest promotion balance”) on your Account will be subject 
to 12 months of deferred interest. 
A deferred interest promotion balance will not accrue any interest if you pay such balance in full 
by the end of the promotion period. A promotion period will end when one or more of the following 
events occur:

•  12 months from the purchase date;
•  your Account becomes more than 180 days past due;
•  your Account is charged off for any reason.

When the terms of a deferred interest promotion ends, if the deferred interest promotion balance is 
not paid in full, we will add an interest charge equal to the interest charges that would have accrued 
if no deferred interest promotion was in effect on the deferred interest promotion balance for all prior 
billing cycles.
The monthly statement we send to you each month will help you keep track of your deferred interest 
promotion(s) and their promotion period(s).

HOW INTEREST CHARGES ARE DETERMINED

Your Interest Rate
We use a daily periodic rate to calculate the interest on your account. The daily periodic rate is the 
applicable APR multiplied by 1/365. The daily periodic rate for your account is 0.0739% and the 
applicable APR is 26.99%.

When We Charge Interest
We  charge  interest  on  your  purchases  from  the  date  you  make  the  purchase  until  you  pay  the 
purchase in full. 

How We Calculate Interest
We calculate interest separately for each balance segment on your account. We do this by applying 
the daily periodic rate to your average daily balance (including new purchases), and then multiplying 
the resulting number by the number of days in the billing cycle for each balance segment. An average 
daily  balance  is  calculated  for  the  following  balance  segments  as  applicable:  purchase  balance 
segments  and  the  regular  balance  segment.  We  calculate  interest  for  each  balance  segment  as 
follows:
1. To get the average daily balance, we take the beginning balance of the balance segment each
in the billing cycle, add any new purchases, debits, and subtract the applicable portion of any
payments and credits. This gives us the daily balance. Credit protection premiums, late fees and 
returned payment fees are not included in the daily balance. 

2.  Then, we add all the daily balances for the billing cycle together and divide the total by the number

of days in the billing cycle. This gives us the average daily balance.
3.  Then, we multiply the daily periodic rate by the average daily balance.
4.  Then, we take the resulting number from #3 and multiply it by the number of days in the billing

cycle. This gives us the interest charge for the balance segment.

USING YOUR ACCOUNT

OTHER FEES

Purchases
You may use your Account to purchase goods and services from Provider. You promise to pay us 
and are liable for all amounts resulting from the authorized use of your Account Number or Account, 
plus any applicable interest charges and other applicable charges or fees, payable in U.S. dollars. 

Your Credit Line
You may not use your Account in any way that would cause you to go over your Credit Line. We 
may refuse to authorize or accept any transaction on your Account that would cause you to exceed 
your Credit Line or if your Account is delinquent. We may temporarily agree to allow you to exceed 
your Credit Line; however, in that case, you must repay the excess amount according to the terms of 
this Agreement. Any transactions honored in excess of your Credit Line will not result in an increase 
of your Credit Line.

MAKING PAYMENTS

Monthly Statements
We will send a statement at the end of each monthly Billing Cycle if there is a debit or credit balance 
on your account of $1 or more, a balance on which an interest charge has been imposed or as 
otherwise required by applicable law. You agree to pay us, or any party to whom we may transfer 
and assign your Account or the amounts owing under your Account, in U.S. dollars according to 
all  terms  and  conditions  of  this  Agreement.  Payments  made  by  a  check,  money  order  or  other 
negotiable instrument must be in a form acceptable to us and drawn on a U.S. financial institution.

Monthly Minimum Payment
Each Purchase transaction will have a fixed payment amount determined based on the following 
schedule:

Purchase Transaction Amount

Fixed Monthly Payment Amount

Up to $500

$500.01 to $1000

$1000.01 to $1500

$1500.01 to $2000

$2000.01 to $2500

$2500.01 to $3000

$3000.01 to $3500

$3500.01 to $4000

$4000.01 to $4500

$4500.01 to $5000

$25

$50

$75

$100

$125

$150

$175

$200

$225

$250

Your monthly minimum payment due will be the greater of:
1.  $15; or
2.  the sum of:

the sum of the fixed payment amounts applicable to each of your Purchase transactions, and

i. 
ii.  5% of your Regular Balance.

Your monthly minimum payment due also will include any past due amount or any amount by which 
the New Balance exceeds your Credit Line, whichever of these two is greater. Your monthly minimum 
payment due will never exceed your New Balance.
If you elect not to pay your New Balance in full, you must pay at least the monthly minimum payment 
due by the payment due date shown on your monthly statement, which is at least 25 days after the 
Closing Date of the Billing Cycle.
Payments should be mailed with the payment coupon and in the envelope provided and following 
the other instructions on the monthly statement to Bankcard Services, P.O. Box 84049, Columbus, 
Georgia 31908-4049. Any payment 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 payment is 
received in that form and at that address after 5:00 P.M. Eastern Time on a normal banking day, or 
any time on a non-banking day, we will credit it to your Account the next banking day. Please allow 
at least seven (7) business days for postal delivery. Payments 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 
some other place, we may delay the crediting of the payment for up to five (5) days. This may cause 
you to incur Late Payment Fees and additional interest charges, and may result in your Account 
being declared in default.
When you provide a check as payment, you authorize us either to use information from your check 
to make a one-time electronic fund transfer from your account or to process the payment as a check 
transaction. When we use information from your check to make an electronic fund transfer, funds 
may be withdrawn from your account as soon as the same day we receive your payment and you 
will not receive your check back from your financial institution. 
At any time, you may pay part or all of the full amount you owe without incurring any additional 
charge for prepayment. The amount of any payment that exceeds your total New Balance will be 

In addition to interest charges, other fees may be applied to your Account, as set forth below. The 
amounts of these fees may change from time to time during the term of your Account.

Late Payment Fee
If we do not receive your monthly minimum payment due by the Closing Date of the Billing Cycle in 
which the Payment Due Date occurs and the amount past due on your Account is more than $5, we 
will apply a Late Payment Fee to your Account. The Late Payment Fee is $25 if you were not charged 
a Late Payment Fee during any of the prior six billing periods. Otherwise, the Late Payment Fee is 
$35. The Late Payment Fee will never exceed the amount of your most recently required monthly 
minimum payment.

Returned Payment Fee
If any payment on your Account is returned to us unpaid for any reason, we will apply a Returned 
Payment Fee to your Account. The Returned Payment Fee is $25 if you were not charged a Returned 
Payment Fee during any of the prior six billing periods. Otherwise, the Returned Payment Fee is $35. 
The Returned Payment Fee will never exceed the monthly minimum payment.

Documentation Fee
You may request a copy of a monthly statement previously sent to you for a Documentation Fee 
of $3 per statement, which will be applied to your Account. Copies of sales tickets or other items 
posted to your Account may be obtained for a Documentation Fee of $10 per sales ticket or other 
item, which will be applied to your Account. Notwithstanding the foregoing, we will not impose any 
fee in connection with a good faith assertion of a billing error or other exercise of your Billing Rights 
(see below under “Your Billing Rights - Keep This Notice for Future Use”).

LOST ACCOUNT NUMBER AND UNAUTHORIZED USE

If your Account Number is lost or stolen or used without your consent, you may be liable for the 
unauthorized use of your Account, but you will not be liable for unauthorized use that occurs after 
you notify us orally or in writing of the loss, theft or possible unauthorized use at: Bankcard Services, 
P.O. Box 4477, Beaverton, OR 97076-4477, 1-888-260-4532. In any case, your liability will not 
exceed $50.

OUR RIGHTS, AND HOW THEY AFFECT YOU

Telephone Monitoring and Recording
You  consent  and  agree  that,  from  time  to  time,  except  as  restricted  by  applicable  law,  we  may 
monitor or record telephone calls regarding your Account, suppress caller identification services and 
use an automated dialing and announcing system. If you provide us with a cellular phone number 
either as part of your Application, or at any time thereafter, including, without limitation, after your 
Account is in a default status, you are expressly consenting that we and our agents may (i) contact 
you at that number including by text message, and (ii) use automated telephone dialing systems to 
initiate such contacts and/or leave recorded messages.
We or our representatives may contact you from time to time regarding the Account, or to ask for 
additional information about you or your experience with us. You agree that such contacts are not 
unsolicited  and  may  include  contacts  at  your  home  or  place  of  employment,  during  weekdays, 
weekends or holidays, on your mobile telephone, voicemail or answering machine, or by email, fax, 
recorded message, text message or personal visit.

Email 
If you provide us at any time with an email contact for your Account, you agree we may use that 
email address to contact you about your Account and may send you information about products and 
services related to your Account. If, at any time, you would like to limit the types of communications 
you receive from us by email, please contact us at Bankcard Services, P.O. Box 4477, Beaverton, OR 
97076-4477, 1-866-293-1661, or, if you receive an email from us, you can select the “unsubscribe” 
link that is located in every email.

Refunds
If Provider agrees to give a refund, you will accept a credit on your Account instead of a cash refund.

No Waiver of Rights; Disputed Amounts
We can accept late or partial payments without losing any of our rights under this Agreement. 
You agree not to send us partial payments marked “paid in full,” “without recourse,” or similar 
language. If you send such a payment, we may accept it without losing any of our rights under 
this Agreement. All written communications concerning disputed amounts, including any check 
or other payment instrument that indicated that the payment constitutes “payment in full” of the 
amount owed or that is tendered with other conditions or limitations or as full satisfaction of a 
disputed amount, must be mailed or delivered to Bankcard Services, P.O. Box 4499, Beaverton, 
OR 97076-4499.

Credit Reports and Information
You authorize us to make or have made any credit, employment, or other investigative inquiries we 
deem appropriate to extend you credit or collect amounts owed to us on your Account. We (including 
any assignee of the Account or amounts owing under the Account) may also obtain information 
about  you  from  credit  reporting  agencies  or  others  at  any  time  and  use  it  for  the  purposes  of 
monitoring your credit performance, managing your Account and considering you for new offers 
and programs. 

. . . CONTINUED ON REVERSE

Notice of Inaccurate Information
If you believe that we have information about you that is inaccurate or that we have reported or may 
report to a credit reporting agency information about you that is inaccurate, please notify us of the 
specific information that you believe is inaccurate by writing to us at Bankcard Services, P.O. Box 
4499, Beaverton, OR 97076-4499.

Default and Collection
Unless prohibited by applicable law, your Account is considered to be in default if (1) you fail to make 
the required monthly minimum payment due on or before its payment due date, including if your 
payment is returned or cannot be processed and you do not correct that failure within 31 days, (2) 
you try to exceed or do exceed your Credit Line without permission and do not bring your Account 
back under your Credit Line within 31 days, (3) you become subject to bankruptcy or insolvency 
proceedings, (4) you become subject to attachment or garnishment proceedings, (5) you give us 
any false information or signature, (6) you die, or (7) you fail to comply with any portion of this 
Agreement. Our accepting a late or partial payment does not waive default. Default on this Account 
will constitute default on all accounts you hold with us. 
Subject to any notice of default and right to cure or other restrictions of applicable law, if you are in 
default, we may declare the entire balance due immediately. You agree to pay our reasonable costs 
and attorneys’ fees and expenses related to the collection of your Account to the extent permitted 
by applicable laws.

Change of Terms
Subject  to  the  limitations  of  applicable  law,  we  may,  at  any  time,  change  or  remove  any  of 
the terms and conditions of, or add new terms or conditions to, this Agreement. If required by 
applicable law, we will mail written notice of such a change to you in the manner required by 
such law. As of the effective date, the changed or new terms will apply to new Purchases and to 
the outstanding balance of your Account, subject to the limitations of applicable law.

Delay in Enforcement
We can delay enforcing our rights under this Agreement without losing them.

OTHER PROVISIONS

Account Activation
If you are issued an Account and do not use it to make a Purchase from Provider within four months 
from the date of issuance, we reserve the right to terminate the ability to use the Account and decline 
to open another Account for you.

Ownership and Use of Your Account
As the Accountholder(s), you are liable for all credit obtained under your Account. If you authorize 
another  person  to  use  your  Account  Number,  you  are  liable  for  any  credit  obtained  on  your 
Account for as long as that person holds or uses the Account Number. Misuse of your Account 
by an authorized person will not be considered unauthorized use. See “Lost Account Numbers and 
Unauthorized Use” above. 

Transactions
You will retain for statement verification purposes your copy of each Purchase transaction receipt 
from Provider.

Refunds for Goods and Services
Refunds  for  goods  and  services  are  governed  by  Provider.  Any  refunds  for  goods  or  services 
purchased from Provider through an extension of credit on your Account will be issued as a credit 
adjustment to your Account. When we are notified by Provider of any refund amount, we will subtract 
an amount equal to the refund amount from your Account. However, the fixed minimum payment 
amount attributable to the related Purchase transaction amount will continue to be included in your 
monthly minimum payment. If a refund amount results in a credit balance on your Account, we will 
refund your credit balance.

Transfer and Termination of Your Account
You may not transfer your Account to any other person. We may assign your Account or amounts 
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. Either you 
or we may terminate or suspend your credit privileges at any time, with or without cause and with 
or without advance notice. However, you will remain liable for all charges until they are paid in full. 
You may cancel your Account at any time by writing to us at Bankcard Services, P.O. Box 4477, 
Beaverton, OR 97076-4477. If you have a joint Account and want to remove one of the names 
from the Account, we must receive a written request signed by both of the Accountholders on the 
Account. No party is released from the obligation for the balance owing on a joint Account, unless 
we agree to the arrangements in writing. You may have to re-apply for an individual Account when 
you request a change from a joint Account to an individual Account.

Additional Benefits and Services
From time to time, we may offer you benefits and services with your Account. 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 subject only to the terms and conditions outlined in the 
benefits  or  services  brochure  and  other  official  documents  provided  to  you  with  respect  to  the 
benefits and services. We may adjust, add, or delete benefits or services at any time in accordance 
with the brochures or documents you receive. Except as required by applicable law, we are not liable 
for benefits or services provided by third parties or the actions or omissions of those third parties.

Honoring Your Account
We are not liable for the failure or refusal of Provider to accept your Account Number. Although you 
may have credit available, we will not be liable for the failure to authorize credit due to operational 
difficulties or mistakes. Transactions made above a certain dollar amount may require authorization 
by us before the transaction can be approved. In addition, we may limit the number and amount of 
daily transactions approved for security reasons.

Change of Address, Employment and Telephone
We will send all written notices and statements to your address as it appears on our records. To 
avoid delays and missed payments that could affect your credit standing, you agree to promptly 
advise us if you change your mailing address, place of employment, or telephone number.

Severability
In the event that any provision of this Agreement is determined to be invalid or unenforceable for any 
reason, the remaining provisions will remain in effect.

Entire Agreement; Interpretation
This  Agreement  (including  the  other  documents  incorporated  herein  by  reference  as  discussed 
above) constitutes the final expression of the credit agreement between you and us relating to your 
Account. The headings used in this Agreement are for the convenience of reference only and are not 
intended to define or describe the scope or intent of any portion of the Agreement.

Governing Law
This  Agreement  is  controlled  and  governed  by  the  laws  of  the  State  of  Missouri,  including 
Missouri Revised Statutes (Chapter 408 Legal Tender and Interest) Section 408.145, except to 
the extent that such laws are inconsistent with controlling federal laws.

Arbitration of Disputes
PLEASE READ THIS ARBITRATION OF DISPUTES PROVISION CAREFULLY. UNLESS YOU SEND 
US  THE  REJECTION  NOTICE  DESCRIBED  BELOW,  THIS  PROVISION  WILL  APPLY  TO  YOUR 
ACCOUNT, AND MOST DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL 
ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY 
SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE 
LIMITED. This provision replaces any existing arbitration provision with us and will stay in force 
no matter what happens to your Account, including the closing of your Account.
Except  as  expressly  provided  below,  you  and  we  must  arbitrate  individually,  by  binding 
arbitration under the Federal Arbitration Act (“FAA”), any dispute or claim between you, any 
joint cardholder and/or Authorized User, on the one hand, and us , our affiliates and agents, on 
the other hand, if the dispute or claim arises out of or is related to (a) this Agreement (including 
without limitation, any dispute over the validity of this Agreement to arbitrate disputes or of this 
entire Agreement), or (b) your Account, or (c) any relationship resulting from this Agreement, or 
(d) any insurance or other service related to your Account, or (e) any other agreement related to 
your Account (including prior agreements) or any such service, or (f) breach of this Agreement 
or any other such agreement, whether based on statute, contract, tort or any other legal theory 
(any “Claim”). However, we will not require you to arbitrate: (1) any individual Claims in small 
claims court or your state’s equivalent court, so long as it remains an individual case in that 
court; or (2) any Claim by us that only involves our effort to collect money you owe us. However, 
if  you  respond  to  a  collection  lawsuit  by  claiming  that  we  engaged  in  wrongdoing,  we  may 
require you to arbitrate.
YOU  AGREE  NOT  TO  PARTICIPATE  IN  A  CLASS,  REPRESENTATIVE  OR  PRIVATE  ATTORNEY 
GENERAL ACTION AGAINST US IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS 
AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT A JOINT ACCOUNTHOLDER 
WITH YOU OR AN AUTHORIZED USER ON YOUR ACCOUNT (AN “UNRELATED ACCOUNTHOLDER”), 
AND YOU AGREE THAT NO UNRELATED ACCOUNTHOLDER MAY BRING ANY CLAIMS AGAINST US 
ON YOUR BEHALF. CLAIMS BY YOU AND AN UNRELATED ACCOUNTHOLDER MAY NOT BE JOINED 
IN A SINGLE ARBITRATION. THE ARBITRATOR WILL NOT HAVE THE POWER TO CONSIDER SUCH 
CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTIONS OR ANY SUCH CLAIMS 
YOU BRING ON BEHALF OF AN UNRELATED ACCOUNTHOLDER.
Judgment on the arbitration award may be entered in any court having jurisdiction. Any dispute 
regarding whether a particular controversy is subject to arbitration will be decided by the arbitrator(s). 
If any part of the damages or other relief requested is not expressly stated as a dollar amount, the 
controversy will be a Claim that is subject to arbitration. You and we acknowledge and agree that the 
transactions contemplated by this Agreement, and any controversy that may arise under or relate 
to  this  Agreement,  your  Account,  or  the  services  or  other  agreements  described  above,  involve 
“commerce” as that term is defined and used in the FAA.
If you or we elect to arbitrate a claim, the electing party must notify the other party in writing. The 
notice can be given after the beginning of a lawsuit and can be given in papers filed in the lawsuit. 
Otherwise, your notice must be sent to Bankcard Services, Attn: Arbitration Demand, P.O. Box 4477, 

Beaverton, Oregon 97076-4477, and our notice must be sent to the most recent address for you 
in our files. The arbitration will be administered by the American Arbitration Association (the “AAA”) 
under its rules in effect at the time arbitration is commenced that are applicable to the resolution of 
consumer disputes (the “Arbitration Rules”). We will tell you how to contact the AAA and how to get 
a copy of the Arbitration Rules without cost if you ask us in writing to do so. The Arbitration Rules 
permit you to request deferral or reduction of the administrative fees of arbitration if paying them 
would cause you a hardship. In addition, if you ask us in writing, we will consider your request to 
pay any or all of your costs of arbitration.
Each arbitrator shall be a licensed attorney who has been engaged in the private practice of law 
continuously during the ten years immediately preceding the arbitration or a retired judge of a court 
of general or appellate jurisdiction. The arbitration award shall award only such relief as a court 
of  competent  jurisdiction  could  properly  award  under  applicable  law,  including  attorneys’  fees  if 
allowed by applicable law or agreement, and may award to the prevailing party all pre- and post-
award  expenses  of  arbitration.  All  statutes  of  limitation,  defenses,  and  attorney-client  and  other 
privileges that would apply in a court proceeding will apply in the arbitration. The filing of a demand 
for arbitration in accordance with the Arbitration Rules will be deemed the commencement of an 
action for purposes of any applicable statute of limitations. 
This Agreement does not limit the right of you or us whether before, during or after the pendency 
of any arbitration proceeding, to exercise self-help remedies such as set-off or repossession and 
sale of collateral, or to obtain provisional or ancillary remedies or injunctive or other traditionally 
equitable relief (other than a stay of arbitration) necessary to protect the rights or property of the 
party seeking relief pending the arbitrator’s determination of the merits of the Claim. The taking of 
any of the actions described in the preceding sentence by either party or the filing of a court action 
by a party shall not be deemed to be a waiver of the right to demand arbitration of any Claim asserted 
as a counterclaim or the like in response to any such action. This Agreement to arbitrate disputes will 
survive the closing of your Account and the termination of your Agreement with us.
If any provision of this Section regarding arbitration of disputes shall be deemed to be unenforceable, 
the remainder of this Section shall be given full force and effect. However, if the provision precluding 
class, representative or private attorney general Claims in arbitration is deemed unenforceable, then 
this entire Arbitration Agreement shall be void and of no force and effect.
You may reject this provision, in which case only a court may be used to resolve any dispute or 
claim. Rejection will not affect any other aspect of the Account Agreement. To reject this Provision, 
you must sent us a notice within 60 days after you open your Account or we first provide you with 
a right to reject this Provision. This notice must include your name, address and Account number 
and be mailed to Bankcard Services, Attn: Arbitration Provision, P.O. Box 4477, Beaverton, Oregon 
97076-4477. This is the only way you can reject this Provision.

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, please write to us at: Bankcard Services, P.O. Box 
4499, Beaverton, OR 97076-4499.
In your letter, give us the following information:

•  Account information: Your name and Account Number.
•  Dollar amount: The dollar amount of the suspected error.
•  Description of problem: If you think there is an error on your bill, describe what you believe is 

wrong and why you believe it is a mistake.

You must contact us:

•  Within 60 days after the error appeared on your statement.
•  At least three (3) business days before an automated payment is scheduled, if you want to 

stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do we are not 
required to investigate any potential errors, and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will 

also tell you if we have already corrected the error.

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why 

we believe the bill is correct.

While we investigate whether or not there has been an error:

•  We cannot try to collect the amount in question, or report you as delinquent on that amount.
•  The charge in question may remain on your statement, and we may continue to charge you 

interest on that amount.

•  While you do not have to pay the amount in question, you are responsible for the remainder 

of your balance.

•  We can apply any unpaid amount against your Credit Line.
After we finish our investigation, one of two things will happen:

•  If we made a mistake: You will not have to pay the amount in question or any interest or other 

fees related to that amount.

•  If we do not believe there was a mistake: You will have to pay the amount in question, along 
with applicable interest and fees. We will then send you a statement of the amount you owe 
and the date payment is due. We may then report you as delinquent if you do not pay the 
amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 
days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without 
also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
reported you as delinquent, and we must let those organizations know when the matter has been 
settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you 
question, even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Account Purchases
If you are dissatisfied with the goods or services that you have purchased with your Account, and 
you have tried in good faith to correct the problem with the merchant, you may have the right not to 
pay the remaining amount due on the Purchase.
To use this right, all of the following must be true:

1.  The Purchase must have been made in your home state or within 100 miles of your current 
mailing address, and the purchase price must have been more than $50. (Note: Neither of 
these are necessary if your Purchase was based on an advertisement we mailed to you, or if 
we own the company that sold you the goods or services.)

2.  You must have used your Account for the Purchase. Purchases made with cash advances 

from an ATM or with a check that accesses your Account do not qualify.

3.  You must not yet have fully paid for the Purchase.

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing 
at: Bankcard Services, P.O. Box 4499, Beaverton, OR 97076-4499.
While we investigate, the same rules apply to the disputed amount as discussed above. After we 
finish our investigation, we will tell you our decision. At that point, if we think you owe an amount 
and you do not pay, we may report you as delinquent.

MILITARY LENDING ACT  
(APPLICABLE ONLY TO ACCOUNTS OPENED ON OR AFTER OCT. 3, 2017) 

This section of the Agreement applies only to Accounts opened on or after October 3, 2017. 
If you would like to know when you opened your Account, please call us at 1-866-502-6439. 
The federal Military Lending Act provides protections for certain members of the Armed Forces and 
their dependents (“Covered Borrowers”). The following provisions of this section apply to Covered 
Borrowers: 

Checking Your Covered Borrower Status 
If you would like more information about whether you are a Covered Borrower entitled to protection 
under the Military Lending Act, you may contact us at 1-866-502-6439. 

Statement of MAPR 
Federal law provides important protections to members of the Armed Forces and their dependents 
relating to extensions of consumer credit. In general, the cost of consumer credit to a member of 
the Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36%. 
This rate must include, as applicable to the credit transaction or account: (1) the costs associated 
with credit insurance premiums; (2) fees for ancillary products sold in connection with the credit 
transaction; (3) any application fee charged (other than certain application fees for specified credit 
transactions or accounts); and (4) any participation fee charged (other than certain participation 
fees for a credit card account). 

Oral Disclosures 
In order to hear important disclosures and payment information about this Agreement, you may call 
1-866-875-5929. 

Applicability of Arbitration of Disputes Provision 
The Arbitration of Disputes Provision set forth in this Agreement does not apply to you if, as of the 
date of this Agreement, you are a Covered Borrower.

Your Genesis Credit Account is issued by:
Mid America Bank & Trust Company
216 West 2nd Street
Dixon, MO 65459

F03-S151-9 -0817