JOB SPECS: 
Flat Size: 
8” x 22.5” 

Finished Size: 
8” x 3.75” 

Colors: 

Front: Black 
Back: Black 

Bleed: No 

Note: None 

Indigo® Platinum Mastercard® Cardholder Agreement

F03-Y365-3

Dear Cardholder: 
This Agreement, as deﬁned below, is your contract for your Account and: 

•  Covers the terms that govern the use of your Account; 
•  Outlines both your responsibilities and ours; 
•  Includes certain disclosures required by the Federal Truth in 

Lending Act; 

•  Includes certain disclosures required by the Federal Military 

Lending Act; 

•  Includes an Arbitration of Disputes Provision that will substantially 

affect your rights unless you reject it; and 

•  Contains important information about your Account. 

We encourage you to read the Agreement and keep it for your records. 
Please  feel  free  to  call  us  with  any  questions  you  may  have.  We  look 
forward to serving you. 

CARDHOLDER AGREEMENT 

This Agreement contains the terms that govern the use of your Indigo Platinum Mastercard 
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”), 
your Card and the Card Carrier that we send with your Card, and your signature (including 
any  electronic  or  digital  signature)  on  any  Application,  sales  slip  or  other  evidence  of 
indebtedness  on  your  Account,  are  hereby  incorporated  into  and  made  a  part  of  this 
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  memorandum,  a  Cash 
Advance transaction, or otherwise. 

Deﬁnitions 
To simplify this Agreement for you, the deﬁnitions listed below will apply throughout, both 
in this Agreement and in your monthly Statements. In addition, the words you, your, and 
yours refer to the Cardholder(s) who holds the Card and is responsible for the Account, 
each of whom is individually and jointly obligated under this Agreement. The words we, 
us, and our refer to Celtic Bank. 
Account: The credit card account for which you were issued a Card imprinted with your 
Account number and that is subject to all of the terms and conditions of this Agreement. 
ATM: Automated Teller Machine. 
Billing  Cycle:  The  time  interval  covered  by  a  monthly  Statement.  Each  Billing  Cycle  is 
approximately  30  days  in  length;  however,  the  speciﬁc  period  of  time  is  described  on 
each monthly Statement. Your Account will have a Billing Cycle even if a Statement is not 
required. 
Card: Any Indigo Platinum Mastercard issued by us that you may use to obtain a Cash 
Advance,  make  Purchases,  or  lease  goods  or  services  on  credit.  Use  of  your  Account 
number to obtain credit will be considered a use of the Card. 
Card Carrier: The carrier that contains your Card. 
Cardholder: The person to whom a Card is issued, or who has agreed to pay obligations 
arising from a Card issued to another person. 
Cash  Advance:  Credit  extended  to  you  in  the  form  of  a  cash  loan  through  any  ﬁnancial 
institution  honoring  the  Card  either  presented  directly  or  through  any  other  credit 
instrument, check, device, overdraft coverage plan or ATM that we make available to you 
or  that  you  use.  All  cash  equivalent  transactions  will  be  treated  as  Cash  Advances  and 
will be billed to the Cash Advance segment of your Account. Transactions that we view 
as “cash equivalent transactions” include without limitation using your Card to purchase 
wire transfer money orders, bets, lottery tickets, casino gaming chips, and other similar 
products and services. 
Closing Date: The date of the last day of a Billing Cycle. 
Credit Limit: The maximum amount of credit available to you on your Account. Your Credit 
Limit will be disclosed on your Card Carrier and your monthly Statements. 
Purchase: Any extension of credit to your Account for the purpose of purchasing or leasing 
goods or services from participating establishments. 
Statement:  A  monthly  document  we  provide  to  you  showing  Account  information 
including,  among  other  things,  Purchase  and  Cash  Advance  transactions,  credits  and 
debits, payments, fees, and interest charges made to your Account during a Billing Cycle. 

Purchases and Cash Advances 
You  may  use  your  Card  to  purchase  or  lease  goods  or  services  from  participating 
establishments. You may also use your Card to obtain Cash Advances from your Account 
at an ATM, or by presenting it to any institution that accepts the Card for that purpose. 
There are dollar limitations on individual Cash Advance transactions, and we may set a 
Cash Advance Limit for your Account. Please contact us for information about the Cash 
Advance limitations that apply to your Account. In addition, we may limit your Account to 
only one Cash Advance transaction per day. 
You promise to pay us and are liable for all amounts resulting from the authorized use of 
your Card or Account, plus any applicable interest charges and other applicable charges 
or fees, payable in U.S. dollars. This includes amounts where you did not sign a purchase 
slip  or  other  documents  for  the  transaction.  If  you  use  your  Account  number  without 
presenting your actual Card, such as for mail, telephone, or internet purchases, this will 
be treated the same way as if you presented your Card. Your promise to pay us will apply 
to your estate if you die. 
We may limit and restrict the use of the Account/Card at our discretion. Such limitations 
and restrictions include, but are not limited to, gambling transactions, which include, but 
are not limited to, internet-related lottery tickets, casino gambling chips, off-track betting 
and  wagers  at  racetracks.  You  remain  responsible  for  use  of  your  Account/Card  in  any 
such transactions. 
The  Card  may  only  be  used  for  valid  and  lawful  purposes.  If  you  use,  or  you  authorize 
someone else to use, the Card or Account for an unlawful or impermissible purpose, you 
will be responsible for such use and may be required to reimburse us or Mastercard for 
any amounts or expenses we or they incur as a result of such use. 
The Card is and remains our property, and you will surrender it to us at any time upon 
request. 

Your Credit Limit 
You may not use your Account in any way that would cause you to go over your Credit 
Limit. We may refuse to authorize or accept any transaction on your Account that would 
cause you to exceed your Credit Limit, even if you have authorized us to charge you an 
Overlimit Fee for doing so. We may temporarily agree to allow you to exceed your Credit 
Limit; however, in that case you must repay the excess amount according to the terms of 
this Agreement. Any transactions honored in excess of your Credit Limit will not result in an 
increase of your Credit Limit. We may at any time and without prior notice to you increase 
or decrease your Credit Limit, limit the Credit Limit for Cash Advances or take away your 
ability to obtain Cash Advances. 

MAKING PAYMENTS 

Monthly Statements 
We will send a Statement at the end of each monthly Billing Cycle if there is a debit or 
credit balance on your account of $1 or more, a balance on which an interest charge has 
been imposed, or as otherwise required by 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 
The Monthly Minimum Payment is 7% of your New Balance or $40, whichever is greater. If 
you elect not to pay your New Balance in full, you must pay at least the Monthly Minimum 
Payment by the Payment Due Date shown on your Statement, which is at least 25 days 
after the Closing Date of the Billing Cycle. Your Monthly Minimum Payment also will include 
any past due amount or any amount by which the New Balance exceeds your Credit Limit, 
whichever is greater. If your New Balance is less than or equal to your Monthly Minimum 
Payment, then your Monthly Minimum Payment will be equal to your New Balance. 
Payments should be mailed with the payment coupon and in the envelope provided and 
following  the  other  instructions  on  the  Statement  to  Genesis  FS  Card  Services,  P.O. 
Box 23039, Columbus, GA 31902-3039. 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. However, if your Payment Due Date 
occurs on a non-banking day, any payment received the next day which conforms to the 
above requirements will not be treated as late. Please allow at least seven (7) business 
days for postal delivery. 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 a place other than the address in the immediately preceding 
paragraph, we may delay the crediting of the payment for up to ﬁve (5) days. This may 
cause you to incur Late Payment Fees and additional interest charges, and may result in 
your Account being declared in default. 
We  do  not  accept  cash  payments  through  the  mail.  You  may  not  make  payments  with 
funds from your Account or any other credit account issued by us. 
When you provide a check as payment, you 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 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. 
Your available credit on your Credit Limit 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 will 
be allocated in any way we determine, including to balances with lower Annual Percentage 
Rates  before  balances  with  higher  Annual  Percentage  Rates.  We  will  generally  apply 
payments up to the amount of your Monthly Minimum Payment in a manner most favorable 
or convenient for us. 
For  each  Billing  Cycle,  to  the  extent  your  payments  exceed  your  Monthly  Minimum 
Payment, we will apply these excess amounts in the order required by applicable law. 

HOW INTEREST CHARGES ARE DETERMINED 

Your interest charge for any Billing Cycle will include the following components, the total 
of which constitutes your total interest charge for the Billing Cycle: 
1.  A  Cash  Advance  Transaction  Fee  interest  charge  imposed  on  each  Cash  Advance 
transaction posted during a Billing Cycle, in an amount equal to the greater of $5 or 

5% of the amount of each Cash Advance. Any unpaid Cash Advance Transaction Fee 
interest charges will be added to the calculation of your Average Daily Balance of Cash 
Advances. We will not charge any Cash Advance Transaction Fees, however, during the 
one-year period beginning on the date you open your Account. 

2.  Periodic  interest  charge  computed  by  applying  the  applicable  Monthly  Periodic  Rate 
or  Rates,  determined  as  provided  below  under  Computing  the  Purchase  and  Cash 
Advance  Balance  Monthly  Periodic  Rates  and  Corresponding  Annual  Percentage 
Rates (APR) to: 
a.  your Average Daily Balance of Cash Advances (including new Cash Advances); and 
b.  your Average Daily Balance of Purchases (including new Purchases). 
However, if the total of the amounts so computed is an amount less than $.50, then a 
minimum interest charge of $.50 will be imposed instead of such smaller amounts and 
will be treated as an interest charge on Purchases. 

3.  A  Foreign  Currency  Conversion  Fee  interest  charge  in  an  amount  equal  to  1%  of  the 
converted  U.S.  dollar  amount  of  each  transaction,  including  Cash  Advances  and 
Purchases, that is effected in any currency other than U.S. dollars. 

When Interest Charges Begin to Accrue 
Interest  charges  on  Purchases  will  be  imposed  at  the  applicable  Monthly  Periodic  Rate 
from the date each Purchase is made, and will continue to accrue on unpaid balances as 
long as they remain unpaid. However, we do not assess interest charges in the following 
circumstances: 
1.  If  you  paid  the  New  Balance  at  the  beginning  of  your  previous  Billing  Cycle  by  the 
Payment Due Date during the previous Billing Cycle, or if that New Balance was $0 or 
a credit balance, then: 
a.  if you pay the New Balance on your current Statement in full by the Payment Due 
Date in your current Billing Cycle, we will not assess interest charges on Purchases 
during your current Billing Cycle; and 

b.  if you make a payment that is less than the New Balance by the Payment Due Date 
in your current Billing Cycle, we will credit that payment as of the ﬁrst day in your 
current Billing Cycle. 

2.  If you had a New Balance at the beginning of your previous Billing Cycle and you did not 
pay that New Balance by the Payment Due Date during that previous Billing Cycle, then 
we will not assess interest charges on any Purchases during the current Billing Cycle if 
you pay the New Balance at the beginning of your current Billing Cycle by the Payment 
Due Date in your current Billing Cycle. 

Periodic  interest  charges  on  Cash  Advances  will  be  imposed  at  the  applicable  Monthly 
Periodic  Rate  from  the  date  each  Cash  Advance  is  made  and  will  continue  to  accrue 
on  unpaid  balances  as  long  as  they  remain  unpaid.  There  is  no  grace  period  on  Cash 
Advances and there is no period within which to pay to avoid interest charges on Cash 
Advances. 

Calculating the Purchase and Cash Advance Balance Subject to Interest Charges 
Average  Daily  Balance  of  Purchases  (including  new  Purchases):  To  get  the  Average 
Daily Balance of Purchases, we take the beginning Purchase balance of your Account each 
day, including unpaid interest charges on Purchases and Foreign Currency Conversion Fee 
interest charges on Purchases, add any new Purchases as of the date of transaction, and 
subtract the applicable portion of any payments and credits as of the transaction date. On 
the ﬁrst day of a Billing Cycle, we also add any unpaid Late Payment Fees, and Overlimit 
Fees. We add all other unpaid fees (including Annual Fees, Returned Payment Fees, and 
Foreign Currency Conversion Fees) to the Purchase balance on the on the day the fees are 
posted to your Account. This gives us the daily balance for Purchases. Then we add all 
these daily balances for the Billing Cycle together and divide the total by the number of days 
in the Billing Cycle. This gives us the Average Daily Balance of Purchases. 
Average Daily Balance of Cash Advances (including new Cash Advances): To get the 
Average Daily Balance of Cash Advances, we take the beginning Cash Advance balance of 
your Account each day, including unpaid interest charges on Cash Advances and Foreign 
Currency Conversion Fee interest charges on Cash Advances, add any new Cash Advances 
as of the date of transaction, add the Cash Advance Transaction Fee interest charge on 
any Cash Advances as of the transaction date of each Cash Advance, and subtract the 
applicable portion of any payments and credits as of the transaction date. This gives us 
the daily balance for Cash Advances. Then we add all these daily balances for the Billing 
Cycle together and divide the total by the number of days in the Billing Cycle. This gives us 
the Average Daily Balance of Cash Advances. 

Computing  the  Purchase  and  Cash  Advance  Balance  Monthly  Periodic  Rates  and 
Corresponding Annual Percentage Rates (APR) 
Monthly  Periodic  Rates:  The  Monthly  Periodic  Rate  is  calculated  by  dividing  the  APR 
by 12. The standard Purchase APR is 24.9% and the standard Monthly Periodic Rate for 
Purchases is 2.075%. The standard Purchase APR and Monthly Periodic Rate will apply 
to  Purchases  unless  the  penalty  APR  and  Monthly  Periodic  Rate  apply,  as  described  in 
the next paragraph. 
The APR and Monthly Periodic Rate for Purchases will increase if we do not receive any 
Monthly Minimum Payment within 60 days of the date and time due. In such circumstance, 
the penalty APR and Monthly Periodic Rate will apply to your Purchases, including new 
Purchases and existing Purchase balances. The penalty Purchase APR is 29.9% and the 
penalty  Monthly  Periodic  Rate  for  Purchases  is  2.4916%.  If  we  receive  six  consecutive 
Monthly Minimum Payments when due after the increase to the penalty APR, then, starting 
with the next Billing Cycle, the penalty APR will no longer apply and the standard APR will 
apply to all Purchases. Otherwise, the penalty rate may continue to apply to your Account 
indeﬁnitely. 
The  Cash  Advance  APR  is  29.9%  and  the  Monthly  Periodic  Rate  for  Cash  Advances  is 
2.4916%. 

OTHER FEES 

In addition to interest charges, a variety of fees may be applied to your Account, as set 
forth below. 

Annual Fee 
We  will  charge  an  initial  Annual  Fee  of  $75  to  your  Account  on  or  about  the  date  your 
Account is opened and then a renewal Annual Fee of $99 on or about each anniversary 
of  that  date.  The  initial  Annual  Fee  is  nonrefundable;  the  renewal  Annual  Fee  is  also 
nonrefundable unless you notify us to cancel your Account within 30 days from the mailing 
date of the billing Statement or other communication containing the renewal Annual Fee 
notice. 

Late Payment Fee 
If we do not receive your Monthly Minimum Payment by the Closing Date of the Billing 
Cycle in which the Payment Due Date occurs and the amount past due on your Account is 
more than $9.99, we will charge a Late Payment Fee to your Account. The Late Payment 
Fee is $29 if you were not charged a Late Payment Fee during any of the prior six Billing 
Cycles. Otherwise, the Late Payment Fee is $40. The Late Payment Fee will never exceed 
the amount of your most recently required Monthly Minimum Payment. 

Minimum Interest Charge Fee 
If  the  periodic  interest  charge  amounts  computed  in  the  How  Interest  Charges  Are 
Determined section are an amount less than $.50, then a Minimum Interest Charge Fee of 
$.50 will be charged instead of such smaller amounts and will be treated as a fee on your 
billing statement and added to your Purchases at our discretion. 

Returned Payment Fee 
If any payment on your Account is returned to us unpaid for any reason, we will charge a 
Returned Payment Fee to your Account. The Returned Payment Fee is $29 if you were not 
charged a Returned Payment Fee during any of the prior six Billing Cycles. Otherwise, the 
Returned Payment Fee is $40. The Returned Payment Fee will never exceed the amount of 
your most recently required Monthly Minimum Payment. 

Overlimit Fee 
If  you  elected  to  have  overlimit  coverage,  we  may  charge  an  Overlimit  Fee  when  a 
transaction causes you to go over or remain over your Credit Limit during any Billing Cycle. 
We may also charge you two additional Overlimit Fees if your New Balance remains over 
your Credit Limit as of the Payment Due Date in future Billing Cycles. We will only charge 
you one Overlimit Fee per Billing Cycle, even if you go over your Credit Limit multiple times 
in the same Billing Cycle. The Overlimit Fee is $29 if you were not charged an Overlimit 
Fee  during  any  of  the  prior  six  Billing  Cycles.  Otherwise,  the  Overlimit  Fee  is  $40.  The 
Overlimit Fee will never exceed the maximum amount you are over your Credit Limit during 
the Billing Cycle. 

Documentation Fee 
You may request a copy of a Statement previously sent to you for a 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”). 

MILITARY LENDING ACT 

The Military Lending Act provides protections for Covered Borrowers. The provisions of this 
section apply to Covered Borrowers. If you would like more information about whether you 
are a Covered Borrower, you may contact us at 1-866-875-5929. 

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 Covered 
Borrowers. 

LOST CARDS AND UNAUTHORIZED USE 

You will take reasonable steps to prevent the unauthorized use of your Card and Account. 
If your Card is lost or stolen or if someone else might be using it without your permission, 
you must tell us at once. You may tell us by calling the telephone number on the back of 
your Card or on your Statement or by writing us at the address on your Statement. You 
will not be responsible for the charges made to your Account that are found by us to be 
unauthorized.  If  we  reimburse  your  Account  for  unauthorized  charges  made  using  your 
Card  or  Account,  you  will  help  us  investigate,  pursue,  and  get  reimbursement  from  the 
wrongdoer. Your help includes giving us documents that we ask for and are acceptable 
to us. 

. . . CONTINUED ON REVERSE

 
COMMUNICATIONS 

Telephone Monitoring and Recording; Communications 
You consent and agree that, except as restricted by applicable law, we may monitor and/or 
record telephone calls regarding your Account, suppress caller identiﬁcation services, use 
prerecorded messages, and use an automated telephone dialing and announcing system. 
You expressly consent that we and our agents, any servicer, or any subsequent owner of 
your Account may (i) contact you at any cellular telephone number that you provided as 
part of your application, at any number that you later provide (including, without limitation, 
after your Account is in a default status), or at any other number that is identiﬁed as related 
to you, including by text message, and (ii) use automated telephone dialing systems to 
initiate such contacts and/or leave recorded messages. 
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. 
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. 
How to Revoke Consent for Future Communications: If you want to revoke your consent 
to  future  communications  as  described  in  the  previous  paragraph,  you  must  send  us  a 
written  notice  that  includes:  (i)  your  name,  mailing  address,  and  Account  number(s); 
(ii)  the  speciﬁc  telephone  number(s),  email  address(es)  and/or  mailing  address(es) 
at  which  you  no  longer  wish  us  to  contact  you,  and  (iii)  the  types  of  communications 
(telephone, text, email, and/or mail) for which you are revoking consent. You must send 
this  written  notice  to:  Genesis  FS  Card  Services,  PO  Box  4477,  Beaverton,  OR  97076. 
You understand and agree that it may take up to three business days after receipt of your 
written notice to process your request, and that you consent to continued communications 
during this period of time. 

OUR RIGHTS AND HOW THEY AFFECT YOU 

Merchant Refunds 
If a merchant agrees to give you a refund for goods or services purchased with your Card 
or Account, you will accept a credit on your Account instead of a cash refund. We do not 
control when a merchant sends us your refund and we will have reasonable amount of time 
after we receive your refund to process it. 

No Waiver of Rights; Disputed Amounts 
We  can  accept  late  or  partial  payments  without  losing  any  of  our  rights  under  this 
Agreement. You agree not to send us partial payments marked “paid in full,” “without 
recourse,” or similar language. If you send such a payment, we may accept it without 
losing any of our rights under this Agreement. All written 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  Genesis  FS  Card  Services,  P.O.  Box  4499,  Beaverton, 
Oregon 97076. 

Credit Reports and Information 
You  authorize  us  to  make  or  have  made  any  credit,  employment,  or  other  investigative 
inquiries we deem appropriate to extend you credit or collect amounts owed to us on your 
Account. We (including any assignee of the Account or amounts owing under the Account) 
may also obtain information about you from credit reporting agencies or others at any time 
and use it for the purposes of monitoring your credit performance, managing your Account 
and considering you for new offers and programs. 

Notice of Inaccurate Information 
If you believe that we have information about you that is inaccurate or that we have reported 
or may report to a credit reporting agency information about you that is inaccurate, please 
notify  us  of  the  speciﬁc  information  that  you  believe  is  inaccurate  by  writing  to  us  at 
Genesis FS Card Services, P.O. Box 4499, Beaverton, OR 97076. 

Default and Collection 
Unless prohibited by applicable law, your Account is considered to be in default if (1) you 
fail to make the required Monthly Minimum Payment on or before the Payment Due Date, 
including  if  your  payment  is  returned  or  cannot  be  processed  and  you  do  not  correct 
that failure within 31 days, (2) you try to exceed or do exceed your Credit Limit without 
permission and do not bring your Account back under your Credit Limit within 31 days, 
(3) you become subject to bankruptcy or insolvency proceedings, (4) you become subject 
to  attachment  or  garnishment  proceedings,  (5)  you  give  us  any  false  information  or 
signature, (6) you die, or (7) you fail to comply with any portion of this Agreement. Our 
accepting  a  late  or  partial  payment  does  not  waive  default.  Default  on  this  Account  will 
constitute default on all accounts you hold with us. Subject to any 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, and retrieving your Card, to 
the extent permitted by applicable laws. 

Change of Terms 
Subject to the limitations of applicable law, we may, at any time, change or remove 
any of the terms and conditions of, or add new terms or conditions to, this 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 Cash Advances and also to the outstanding balance of 
your Account, subject to the limitations of applicable law. 

Delay in Enforcement 
We can delay enforcing our rights under this Agreement without losing them. 

OTHER PROVISIONS 

Ownership and Use of Your Card 
As the Cardholder(s), you are liable for all credit obtained under your Account. If you or 
an  Authorized  User  authorizes  another  person  to  use  your  Card,  you  are  liable  for  any 
credit  obtained  on  your  Account  for  as  long  as  that  person  holds  the  Card.  In  addition, 
you  will  remain  liable  until  you  recover  possession  of  the  Card.  Misuse  of  your  Card 
by  an  authorized  person  will  not  be  considered  unauthorized  use.  See  “Lost  Cards  and 
Unauthorized Use” above. Upon demand, you must immediately return any Card we supply 
to you or destroy the Card by cutting it in half. 

Authorized Users 
If you ask us to issue a Card to any other person and we agree, they are an Authorized 
User. We may require certain information about an Authorized User. We may also discuss 
your Account with an Authorized User and provide them with Account information. You will 
be responsible for the Authorized User’s use of the Card and Account as well as anyone 
else they allow to use your Card or Account. This will be true even if you did not want, or 
agree to, the use. 

Removing an Authorized User 
If you want to remove an Authorized User from your Account, you must contact us and 
request  their  removal.  We  will  have  a  reasonable  amount  of  time  after  we  receive  your 
request to remove them. You also must immediately destroy all Cards in their possession 
and  cancel  all  of  their  billing  arrangements  to  the  Account.  We  will  not  do  this  for  you. 
During this time, you still will be responsible for all amounts they, or another person they 
authorize  to  use  the  Card,  charge  to  the  Account.  You  will  be  responsible  even  if  these 
amounts do not appear on your Account until later. 
An  Authorized  User  may  remove  themselves  from  the  Account  upon  their  request.  We 
reserve  the  right  to  remove  them  from  your  Account  for  any  reason.  To  remove  them 
from your Account, we may close your existing Account and issue a new Card with a new 
Account number. 

Transactions 
You will retain for Statement veriﬁcation your copy of each Purchase slip, Cash Advance 
or other transaction to your Account. 

Transfer 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. 

Closing or Suspending Your Account 
We may close or suspend your Account or your ability to obtain credit on your Account, 
or both, at any time, for any reason permitted by law and with or without advance notice. 
You may close your Account at any time by contacting us. The closure of Account will not 
become effective until you have returned to us all of the Cards we have given you. If you 
have a joint Account and want to remove one of the names from the Account, we must 
receive a written request signed by both of the Cardholders on the Account and all Cards 
must be returned upon request. No party is released from the obligation for the balance 
owing on a joint Account, unless we agree to the arrangements in writing. You may have 
to reapply for a new Card for an individual Account when you request a change from a joint 
Account to an individual Account. 
If your Account is closed or suspended for any reason, you must stop using your Card. 
You must also cancel all billing arrangements to the Account. We will not do this for you. If 
we close or permanently suspend your Account, you must also return all Cards to us. You 
must still pay us all amounts you owe on the Account, even if they are charged after your 
Account is closed or suspended. 

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. 

Foreign Currency Conversion 
Payment  must  be  made  in  U.S.  Dollars  for  charges  you  incur  in  any  other  currency.  If 
you effect a transaction with your Card in a currency other than U.S. Dollars, Mastercard 
International Incorporated (“Mastercard”) will convert the charge into a U.S. Dollar amount. 
Mastercard will act in accordance with its operating regulations or conversion procedures 
in effect at the time that the transaction is processed. Currently, the currency conversion 
rate  used  by  Mastercard  to  determine  the  transaction  amount  in  U.S.  Dollars  for  such 
transactions is generally either a government mandated rate or a wholesale rate determined 
by Mastercard for the processing cycle in which the transaction is processed. The currency 
conversion rate used by Mastercard on the processing date may differ from the rate that 
would have been used on the Purchase date or monthly Statement posting date. We will 
also assess a Foreign Currency Conversion Fee interest charge as described in the “How 
Interest Charges are Determined” section. 

Honoring Your Card 
We are not responsible if anyone refuses to accept your Card or Account for any reason. 
Although you may have credit available, we may decline any transaction for any reason. 
We are not liable for any refusal to honor your Card or Account. 
From  time  to  time,  due  to  circumstances  beyond  our  control  (such  as  system  failures, 
natural disasters, or other unpredictable events), our services may not be available. When 
this  happens,  you  may  be  unable  to  use  your  Card  or  obtain  information  about  your 
Account. We will not be responsible or liable if this happens. 

Change of Address, Employment and 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 other documents incorporated herein by reference) 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 
Except  as  expressly  set  forth  in  the  Arbitration  of  Disputes  section,  this  Agreement  and 
the  interpretation  and  enforcement  thereof  (including  but  not  limited  to  the  exportation 
of interest rates) will be governed by Federal law that applies to us, and to the extent not 
preempted  by  Federal  law,  the  laws  of  the  State  of  Utah,  without  regard  to  its  conﬂicts 
of  law  provisions  and  principles.  If  there  is  any  conﬂict  between  any  of  the  terms  and 
conditions of this Agreement and applicable Federal or State law, this Agreement will be 
considered changed to the extent necessary to comply with the applicable law. 

Arbitration of Disputes Provision 
PLEASE READ THIS ARBITRATION OF DISPUTES PROVISION CAREFULLY. UNLESS YOU 
SEND US THE REJECTION NOTICE DESCRIBED BELOW, THIS PROVISION WILL APPLY 
TO YOUR ACCOUNT, AND MOST DISPUTES BETWEEN YOU, ON THE ONE HAND, AND US 
OR ANY SERVICER OF YOUR ACCOUNT, ON THE OTHER HAND, WILL BE SUBJECT TO 
INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL 
RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS 
ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND 
(4)  APPEAL  RIGHTS  WILL  BE  LIMITED.  THIS  ARBITRATION  OF  DISPUTES  PROVISION 
DOES  NOT  APPLY  TO  YOU  IF,  AS  OF  THE  DATE  OF  THIS  AGREEMENT,  YOU  ARE  A 
MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH MEMBER ENTITLED TO 
PROTECTION UNDER THE FEDERAL MILITARY LENDING ACT. PLEASE SEE THE SECTION 
OF THIS AGREEMENT LABELED “MILITARY LENDING ACT.” IF YOU WOULD LIKE MORE 
INFORMATION  ABOUT  WHETHER  YOU  ARE  ENTITLED  TO  PROTECTION  UNDER  THE 
FEDERAL MILITARY LENDING ACT, YOU MAY CONTACT US AT 1-866-875-5929. 
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, and/
or any servicer of your Account on the other hand, if the dispute or claim arises out of or 
is related to (a) this Agreement (including without limitation, any dispute over the validity 
of this Agreement to arbitrate disputes or of this entire Agreement), or (b) your Account, 
or (c) any relationship resulting from this Agreement, or (d) any insurance or other service 
related  to  your  Account,  or  (e)  any  other  agreement  related  to  your  Account  (including 
prior agreements) or any such service, or (f) breach of this Agreement or any other such 
agreement, whether based on statute, contract, tort or any other legal theory (any “Claim”). 
However, we will not require you to arbitrate any individual Claims in small claims court or 
your state’s equivalent court, so long as it remains an individual case in that court. 
YOU  AGREE  NOT  TO  PARTICIPATE  IN  A  CLASS,  REPRESENTATIVE  OR  PRIVATE 
ATTORNEY  GENERAL  ACTION  AGAINST  US  OR  ANY  SERVICER  OF  YOUR  ACCOUNT 
IN  COURT  OR  ARBITRATION.  ALSO,  YOU  MAY  NOT  BRING  CLAIMS  AGAINST  US  OR 
ANY  SERVICER  OF  YOUR  ACCOUNT  ON  BEHALF  OF  ANY  CARDHOLDER  WHO  IS  NOT 
A JOINT CARDHOLDER WITH YOU OR AN AUTHORIZED USER ON YOUR ACCOUNT (AN 
“UNRELATED CARDHOLDER”), AND YOU AGREE THAT NO UNRELATED CARDHOLDER 
MAY BRING ANY CLAIMS AGAINST US OR ANY SERVICER OF YOUR ACCOUNT ON YOUR 
BEHALF. CLAIMS BY YOU AND AN UNRELATED CARDHOLDER MAY NOT BE JOINED IN 
A SINGLE ARBITRATION. THE ARBITRATOR WILL NOT HAVE THE POWER TO CONSIDER 
SUCH CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTIONS OR ANY 
SUCH CLAIMS YOU BRING ON BEHALF OF AN UNRELATED CARDHOLDER. 
Judgment  on  the  arbitration  award  may  be  entered  in  any  court  having  jurisdiction. 
Any  dispute  regarding  whether  a  particular  controversy  is  subject  to  arbitration,  or  the 
applicability or enforceability of the foregoing paragraph, will be decided by a court and 
not by an arbitrator. 
If you or we or any servicer of your Account 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 Genesis FS Card Services, Attn: Arbitration Demand, P.O. Box 4477, Beaverton, 
Oregon  97076,  and  our  notice  must  be  sent  to  the  most  recent  address  for  you  in  our 
ﬁles.  The  arbitration  will  be  administered  by  the  American  Arbitration  Association  (the 
“AAA”) under its rules in effect at the time an arbitration is commenced that are applicable 
to the resolution of consumer disputes (the “Arbitration Rules”). We will tell you how to 
contact the AAA and how to get a copy of the Arbitration Rules without cost if you ask us 
in writing to do so. The Arbitration Rules permit you to request deferral or reduction of the 
administrative fees of arbitration if paying them would cause you a hardship. In addition, 
if you ask us in writing, we will consider your request to pay any or all of your costs of 
arbitration. 
Each arbitrator shall be a licensed attorney who has been engaged in the private practice 
of law continuously during the ten years immediately preceding the arbitration or a retired 
judge of a court of general or appellate jurisdiction. The arbitration award shall award only 
such  relief  as  a  court  of  competent  jurisdiction  could  properly  award  under  applicable 
law,  including  attorneys’  fees  if  allowed  by  applicable  law  or  agreement.  All  statutes  of 
limitation,  defenses,  and  attorney-client  and  other  privileges  that  would  apply  in  a  court 
proceeding will apply in the arbitration. 
If  any  provision  of  this  Section  regarding  arbitration  of  disputes  shall  be  deemed  to  be 
unenforceable, the remainder of this Section shall be given full force and effect. However, 
if  the  provision  precluding  class,  representative  or  private  attorney  general  Claims  in 
arbitration is deemed unenforceable, then this entire Arbitration Agreement shall be void 
and of no force and effect. 
You  may  reject  this  provision,  in  which  case  only  a  court  may  be  used  to  resolve  any 
dispute or claim. Rejection will not affect any other aspect of the Agreement. To reject this 
Provision, you must send us a notice within 60 days after you open your Account or we 
ﬁrst provide you with a right to reject this Provision. This notice must include your name, 
address and Account Number and be mailed to Genesis FS Card Services, Attn: Arbitration 
Provision, P.O. Box 4477, Beaverton, Oregon 97076. This is the only way you can reject 
this Provision. 

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing 
Act. 

What To Do If You Think You Find A Mistake On Your Statement 
If you think there is an error on your Statement, please write to us at: Genesis FS Card 
Services, P.O. Box 4499, Beaverton, OR 97076-4499. 
In your letter, give us the following information: 

•  Account information: Your name and Account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If you think there is an error on your bill, describe what 

you believe is wrong and why you believe it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your Statement. 
•  At least three (3) business days before an automated payment is scheduled, if you 

want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we 
are not required to investigate any potential errors, and you may have to pay the amount 
in question. 

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. 

We will also tell you if we have already corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to 

you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that 

amount. 

•  The  charge  in  question  may  remain  on  your  Statement,  and  we  may  continue  to 

charge you interest on that amount. 

•  While you do not have to pay the amount in question, you are responsible for the 

remainder of your balance. 

•  We can apply any unpaid amount against your Credit Limit. 
After we ﬁnish our investigation, one of two things will happen: 

•  If we made a mistake: You will not have to pay the amount in question or any interest 

or other fees related to that amount. 

•  If we do not believe there was a mistake: You will have to pay the amount in question, 
along with applicable interest and fees. We will then send you a Statement of the 
amount you owe and the date payment is due. We may then report you as delinquent 
if you do not pay the amount we think you owe. 

If  you  receive  our  explanation  but  still  believe  your  bill  is  wrong,  you  must  write  to  us 
within 10 days telling us that you still refuse to pay. If you do so, we cannot report you 
as delinquent without also reporting that you are questioning your bill. We must tell you 
the  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those 
organizations know when the matter has been settled between us. If we do not follow all 
of the rules above, you do not have to pay the ﬁrst $50 of the amount you question, even 
if your bill is correct. 

Your Rights If You Are Dissatisﬁed With Your 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 at Genesis FS Card Services, P.O. Box 4499, Beaverton, OR 97076-4499. While 
we investigate, the same rules apply to the disputed amount as discussed above. After we 
ﬁnish our 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. 

The Card Issuer: 
Celtic Bank 

F03-Y365-3