Milestone® Gold Mastercard® Account 
The Bank of Missouri 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
for Purchases 

35.9% 

APR for Cash Advances 

Penalty APR and When It 
Applies 

Paying Interest 

35.9% 

None. 

Your due date is at least 25 days after the close of each billing cycle.  We will not charge 
you any interest on purchases if you pay your entire balance by the due date each 
month.  We will begin charging interest on cash advances on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $.50. 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

To learn more about factors to consider when applying for or using a credit card, visit 
the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 

Set Up and Maintenance Fees 

NOTICE:  Some of these set up and maintenance fees will be assessed before you begin 
using your card and will reduce the amount of credit you initially have available. Based 
on the credit line of $500, your initial available credit will be only about $375. 

You may reject this plan, provided that you have not yet used the account or paid a fee 
after receiving a billing statement. If you do reject this plan, you are not responsible for 
any fees or charges. 

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• Account Opening Fee

$89 (one-time) 

• Monthly Fee

• Annual Fee
Transaction Fees 

• Cash Advance Fee

• Foreign Transaction Fee

Penalty Fees 

$0 the first year; $124.80 annually thereafter (billed $10.40 each month) 

$125 the first year; $49 thereafter  

$0 during the first year; after the first year, either $5 or 5% of the amount of each 
transaction, whichever is greater (not to exceed $100) 
1% of each transaction in U.S. dollars 

• Late Payment Fee

• Overlimit Fee

Up to $40 

Up to $40 

• Returned Payment Fee

Up to $40 

How  We  Calculate  Your  Balance:    We  use  a  method  called  “average  daily  balance  (including  new  purchases)”.  See  your 
Cardholder Agreement for more details. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
Cardholder Agreement. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Milestone® Gold Mastercard® Cardholder Agreement

F03-Y665-6

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 Milestone Gold 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 The Bank of Missouri. 
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  Milestone  Gold  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 merchants. 
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  merchants.  You  may  also  use  your  Card  to  obtain  Cash 
Advances  from  your  Account  at  an  ATM,  or  by  presenting  it  to  any  institution  that 
accepts the Card for that purpose. There are dollar 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  84059,  Columbus,  GA  31908-4059.  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 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 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 Fee of $.50 will be imposed instead of such smaller amounts. 
3. A Foreign Currency Conversion Fee in an amount equal to 1% of the converted U.S.
dollar  amount  of  each  transaction,  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 
Fees 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 (excluding Monthly Fees) to the Purchase balance 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 Fees on Cash Advances, add any new Cash Advances as 
of the date of transaction, add the Cash Advance Transaction Fee 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 Purchase APR is 35.9% and the standard Monthly Periodic Rate for Purchases
is  2.9916%.  The  Cash  Advance  APR  is  35.9%  and  the  Monthly  Periodic  Rate  for  Cash
Advances is 2.9916%.

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  $125  to  your  Account  on  or  about 
the date your Account is opened and then a renewal Annual Fee of $49 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. 

Monthly Fee. We will not charge a Monthly Fee during the first year (i.e. the introductory 
year) that your Account is open. Thereafter, we will charge a Monthly Fee of $10.40 per 
month ($124.80 Annually) at the end of each Billing Cycle unless you notify us to close 
your Account prior to the end of a Billing Cycle. Your payment of this Monthly Fee does not 
in any way limit any of our rights or remedies under this Agreement, in law, or in equity, 
including, without limitation, our right to close your Account or limit transactions on your 
Account pursuant to this Agreement.

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 1-866-453-2636. 

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. 

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 

. . . CONTINUED ON REVERSE

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, P.O. Box 4477, Beaverton, OR 97076. You understand 
and agree that it may take up to three business days after receipt of your written notice 
to process your request, and that you consent to continued communications during this 
period of time. 

OUR RIGHTS AND HOW THEY AFFECT YOU 

Merchant  Refunds.  If  a  merchant  agrees  to  give  you  a  refund  for  goods  or  services 
purchased with your Card or Account, you will accept a credit on your Account instead of 
a cash refund. We do not control when a merchant sends us your refund and we will have 
a reasonable amount of time after we receive your refund to process it.

No  Waiver  of  Rights;  Disputed  Amounts.  We  can  accept  late  or  partial  payments 
without  losing  any  of  our  rights  under  this  Agreement.  You  agree  not  to  send  us 
partial  payments  marked  “paid  in  full,”  “without  recourse,”  or  similar  language.  If 
you  send  such  a  payment,  we  may  accept  it  without  losing  any  of  our  rights  under 
this Agreement. All written 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. 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  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, 
INCLUDING,  BUT  NOT  LIMITED  TO,  GENESIS  FS  CARD  SERVICES,  INC.  (“GENESIS”), 
ON THE OTHER HAND, WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS 
THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU 
WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) 
LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED. 
THIS  ARBITRATION  OF  DISPUTES  PROVISION  DOES  NOT  APPLY  TO  YOU  IF,  AS  OF 
THE  DATE  OF  THIS  AGREEMENT,  YOU  ARE  A  MEMBER  OF  THE  ARMED  FORCES  OR 
A  DEPENDENT  OF  SUCH  MEMBER  ENTITLED  TO  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 1-866-453-2636. 
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  must  arbitrate  individually,  by  binding  arbitration 
under  the  Federal  Arbitration  Act  (“FAA”),  any  dispute  or  claim  between  you,  any  joint 
Cardholder and/or Authorized User, on the one hand, and us, our affiliates, and agents, 
and/or any servicer of your Account, including, but not limited to, Genesis, on the other 
hand, if the dispute or claim arises out of or is related to (a) this Agreement (including 
without limitation, any dispute over the validity of this Agreement to arbitrate disputes or 
of this entire Agreement), or (b) your Account, or (c) any relationship resulting from this 
Agreement, or (d) any insurance or other service related to your Account, or (e) any other 
agreement related to your Account (including 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, 
INCLUDING,  BUT  NOT  LIMITED  TO,  GENESIS,  IN  COURT  OR  ARBITRATION.  ALSO, 
YOU  MAY  NOT  BRING  CLAIMS  AGAINST  US  OR  ANY  SERVICER  OF  YOUR  ACCOUNT, 
INCLUDING,  BUT  NOT  LIMITED  TO  GENESIS,  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,  INCLUDING,  BUT  NOT  LIMITED  TO,  GENESIS,  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, including, but not limited to, Genesis, 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,  Inc.,  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 sixty (60) days after you open your Account 
or we first provide you with a right to reject this Provision. This notice must include your 
name,  address  and  Account  Number  and  be  mailed  to  Genesis  FS  Card  Services,  Inc., 
Attn: Arbitration Provision, P.O. Box 4477, 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: 
The Bank of Missouri 

F03-Y665-6