VISA® CARDHOLDER AGREEMENT

AGREEMENT 

CARDHOLDER 

THIS 
AN 
ARBITRATION  PROVISION.    UNLESS  YOU  ACT  PROMPTLY 
TO  REJECT  THE  ARBITRATION  PROVISION,  IT  WILL  HAVE 
A  SUBSTANTIAL  EFFECT  ON  YOUR  RIGHTS  IN  THE  EVENT 
OF  A  DISPUTE,  INCLUDING  YOUR  RIGHT  TO  BRING  OR 
PARTICIPATE IN A CLASS ACTION.

CONTAINS 

This cardholder agreement (“Agreement”) contains the terms and 
conditions  under  which  Mid America  Bank  & Trust  Company  has 
agreed to establish a Visa® credit card Account (“Account”) for you.  
The accompanying Pricing Disclosures are part of this Agreement.  
This Agreement contains our most current terms and supersedes 
any prior terms you may have received from us.  Please read this 
Agreement carefully and retain it for your future reference.  

Acceptance of Agreement.  Use of the Card or Account by you 
or  an  Authorized  User  shall  constitute  your  agreement  to  the 
terms and conditions of this Agreement.  Whenever stated in this 
Agreement that we may take certain described action, this permits 
us to do so at our sole discretion.

Effective  Date  of Agreement.    Unless  you  are  a  resident  of  the 
State  of  New  York,  this  Agreement  is  effective  upon  the  earlier 
of  (1)  the  first  Purchase  made  or  Cash  Advance  taken  on  your 
Account, and (2) the expiration of 30 days from the date we deliver 
this Agreement  to  you  if  you  do  not  provide  us  written  notice  of 
your desire to cancel within this 30 days. If you are a resident of 
the State of New York, this Agreement is not effective until the first 
Purchase  made  or  Cash  Advance  taken  on  your  Account.  In  all 
cases,  if  any  Fees  are  required  to  be  paid  prior  to  opening  your 
Account, this Agreement will not be effective and your Account will 
not be opened until such Fees are paid in full. You are not obligated 
to pay any Fees or Interest Charges (other than any Fees required 
to  be  paid  prior  to  opening  your Account)  until  this Agreement  is 
effective.

Defined Terms

initiated  by  us,  at  your  request  (i.e.,  we  sign  the  check  as  the 
drawer), drawing upon your Account; (d) use of a check provided 
by us (i.e., you sign the check as the drawer) drawing upon your 
Account; (e) a transaction and the fees associated with using your 
Card to purchase cash equivalents, including wire transfers, money 
orders, and travelers’ checks; and (f) any other method of obtaining 
a cash loan.  

“Fees” means charges imposed on your Account as described in 
this Agreement that are not based on an Annual Percentage Rate.

“Interest Charges” means any charges to your Account based on 
the application of an Annual Percentage Rate.

“New Balance” means the outstanding balance of your Account at 
the end of any billing cycle. 

“Purchase” includes (a) a transaction using your Card to purchase 
or lease goods or services from one who honors the Card; (b) any 
other Account related Fees; and (c) any other transaction that is not 
otherwise a Cash Advance.

Other  important  words  used  in  this Agreement  begin  with  capital 
letters. They are defined throughout this Agreement.

Using Your Card 

Permitted  Uses.    You  may  use  your  Card  and  your  Account  to 
make  Purchases  wherever  your  Card  is  accepted,  provided  your 
Account is in good standing and you have available credit.  Each 
time you use your Card, either for a Purchase or a Cash Advance, 
you are requesting us to make a loan to you for the amount of the 
Purchase or the Cash Advance.  If you use your Account number 
to make a Purchase or obtain a Cash Advance without presenting 
your Card (such as for a mail order, telephone or internet purchase), 
the legal effect will be the same as if you used the Card itself.  Each 
Purchase  and  Cash  Advance  obtained  will  reduce  the  available 
credit under your credit limit until it is repaid in accordance with the 
terms of this Agreement. 

“You” and “your” mean each person who applied for the Account, 
each person to whom Mid America Bank & Trust Company issues 
a Card.  

“We,”  “us,”  “our,”  means  Mid America  Bank  & Trust  Company, 
Dixon,  Missouri,  and  our  agents,  authorized  representatives, 
successors, and assignees or other holders of this Agreement or 
your Account.  

Cash Advances.  You may use your Card to obtain Cash Advances 
if your Account has been open for at least the later of ninety (90) 
days  or  three  completed  billing  cycles,  is  not  past  due  and  you 
have  available  credit  for  Cash Advances.    You  may  obtain  Cash 
Advances from an Automated Teller Machine (“ATM”) or through a 
bank teller. However, the total of your unpaid Cash Advances may 
not  exceed  one-half  of  your  credit  limit.    Cash Advance  amounts 
may also be subject to limits imposed by banks and ATM operators.  

“Authorized  User”  means  anyone  who  uses  a  Card  or  your 
Account with your consent.  

“Card” means any Visa® credit card issued in connection with your 
Account, including all renewals and substitutions. It also means any 
other access device for your Account we give you that allows you to 
obtain credit, including any Account number.

“Cash Advance”  means  each  of  the  following  transactions:    (a) 
a  transaction  drawing  upon  your  Account  using  your  Card  and 
PIN (described below) at an ATM that bears the Visa® logo; (b) a  

transaction at any participating Visa® financial institution drawing 
upon  your  Account;  (c)  an  electronic  or  other  transfer  of  funds 

M-121324

Prohibited Uses.  You may not use your Card outside the United 
States, or to make a charge in a foreign currency.  The Card may 
not be used for any illegal transactions.  The Card may not be used 
for  on-line  gambling  transactions  or  at  an  automated  fuel  pump.  
You  further  acknowledge  that  your  Card  will  be  for  personal  use 
and may not be used for business purposes.  If you use, or allow 
someone  else  to  use  your  Card  or  Account  for  any  prohibited 
purpose, you will be responsible for such use and may be required 
to reimburse us for all amounts or expenses we pay as a result of 
such use.

Card.    You  agree  to  sign  the  back  of  the  Card  issued  to  you  in 
connection with your Account immediately upon receipt.  The Card 
is  valid  during  the  dates  provided  on  the  front.  The  Card  is  our 
property, and you will return it to us or destroy it if we ask. 

PIN.    Upon  your  request,  you  may  be  assigned  a  personal 
identification number (“PIN”).  With a PIN, you may use your Card 
to obtain Cash Advances from an ATM. You should keep your PIN 
secure and not write it down, give it to anyone, or keep it with your 
Card.  If  you  lose  your  Card  or  believe  that  someone  has  gained 
unauthorized access to your PIN, you must contact us immediately.  
You  may  request  or  change  your  PIN  by  calling  us  at  (888)-257-
1159 or visiting us online at www.myccpay.com.  

Credit Limit.  Your credit limit is the maximum amount of credit we 
have approved for your Account. Your credit limit will be disclosed to 
you when your Card is issued and will also appear on your monthly 
billing statement.  You agree not to make any Purchase or obtain 
any  Cash Advance  that  would  cause  the  unpaid  balance  of  your 
Account to exceed your credit limit. The total of your unpaid Cash 
Advances may not exceed one-half of your credit limit.    You agree 
that we may change your credit limit at any time without affecting 
your obligation to pay the amounts you owe under this Agreement.  
At our sole discretion, we may honor Purchases or Cash Advances 
in excess of your credit limit without raising your credit limit. If we 
do, we may require you to pay us any amount over your credit limit 
immediately. If we have previously allowed your balance to exceed 
your credit limit, it does not mean that we will permit your balance 
to exceed your credit limit again. See the next section with respect 
to credit limit increases.

Credit Limit Increases. Upon your request, credit limit increases 
may be granted after your Account has been open for at least six 
(6) billing cycles, has not been past due for the prior six (6) billing 
cycles and is not over limit.  Every six (6) billing cycles thereafter, 
upon  your  request,  we  will  review  your Account  for  a  credit  limit 
increase using the same requirements.  There is no fee imposed for 
the review, or any resulting increase in the credit limit.  We reserve 
the  right  to  decline  your  request  for  a  credit  limit  increase  in  our 
sole discretion.       

Lost  or  Stolen  Card;  Liability  for  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 you think someone 
used your Account without your permission, tell us immediately by 
notifying  us  by  phone  at  (888)-257-1159  or  in  writing  at  PO  Box 
91510, Sioux Falls, South Dakota 57109.  You may be liable for the 
unauthorized use of your Card. In New York, you will not be liable 
for unauthorized use of the Card that occurs prior to the effective 
date  of  this  Agreement.    You  will  not  be  liable  for  unauthorized 
use that occurs after you notify us, orally or in writing, of the loss, 
theft  or  possible  unauthorized  use.    In  any  case,  your  liability 
will  not  exceed  $50.  You  agree  to  cooperate  in  our  investigation 
of  the  unauthorized  use  and  provide  any  information  we  deem 
necessary to our investigation.  We will send you a new Card with 
a new account number to replace the Card that was lost or stolen. 
Although  you  will  be  issued  a  new  account  number,  you  will  not 
be  considered  to  have  opened  a  new  account,  and  any  existing 
balance will be transferred to the replacement account.  Please see 
“Your Billing Rights” section below for more details.

Declines  and  Authorizations.    You  agree  that  we  shall  have 
no  liability  if  any  merchant  or  bank  refuses  to  honor  your  Card 
or  Account  number,  if  an  ATM  or  other  device  fails  to  properly 
operate,  or  if  services  are  unavailable  due  to  circumstances 
beyond our control (such as system failures, fires, floods, natural 
disasters,  or  other  unpredictable  events).    Some  transactions  on 
your Account will require prior approval. These prior approvals are 
called “authorizations”. We may limit the number of authorizations 

we  will  give  your Account  during  any  certain  period  of  time  (day, 
weekend, week) and we may deny an authorization if we suspect 
that  your  Account  is  being  used  without  your  permission.  If  our 
authorization  system  is  not  working  fully,  we  may  be  unable  to 
give  an  authorization  even  though  the  transaction  would  not 
exceed  your  credit  limit.  For  security  reasons,  we  cannot  explain 
the  details  of  how  the  authorization  system  works.  You  agree 
that we will not be liable for failing to give an authorization.   We 
are  not  obligated  to  honor  every  transaction,  even  if  you  have 
available credit.  We may decline a transaction on your Account at 
our discretion for any reason including the following:  because of 
operational  considerations, because your Account is in default, or 
if we suspect fraudulent or unlawful activity.  We are not responsible 
for any losses if a transaction on your Account is declined for any 
reason, whether by us or a third party, even if you have sufficient 
credit  available.  If  the  authorization  is  denied,  we  may  notify  the 
person  who  attempted  the  transaction  that  it  has  been  refused. 
Transactions at some participating merchants (such as hotels, car 
rental  companies,  and  restaurants)  may  result  in  authorizations 
for  amounts  greater  than  the  actual  purchase  amount,  which  will 
have the effect of making less credit available on your Account for 
several days (usually until the date the actual purchase amount is 
received from the merchant). 

Authorized  Users.    If  another  person  is  given  access  to  your 
Account with your express or implied permission, notwithstanding 
the provision above, that person is an Authorized User, even if we 
did not issue an additional Card in the Authorized User’s name. At 
your request, and if we agree, we may issue an additional Card in 
the name of an Authorized User with your Account number.  You will 
be responsible for all charges, Cash Advances, Interest Charges, 
Purchases and Fees incurred by any Authorized User. We are not 
required to try to obtain payment from any Authorized User before 
requiring payment from you. You and each Authorized User agree 
that  we  may  report  Account  information  to  consumer  reporting 
agencies in the names of both you and the Authorized User.

Removing  an  Authorized  User.  If  you  want  to  remove  an 
Authorized User from the Account, you must contact us as provided 
on your monthly billing statement and request their removal. We will 
have a reasonable amount of time after your request to research 
the  situation  and  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 charge to 
the Account. You will be responsible even if these amounts do not 
appear on the Account until later. An Authorized User may remove 
themselves  from  the Account  upon  request.  We  may  close  your 
existing  Account  and/or  issue  a  new  Card  with  a  new  Account 
number.

Transactions  Made  in  Foreign  Currencies.    Although  charges 
outside the United States or in a foreign currency are not allowed, if 
you make a charge in a foreign currency, the exchange rate for the 
transaction will be either (a) a rate selected by Visa from the range 
of rates available in wholesale currency markets for the applicable 
central  processing  date,  which  rate  may  vary  from  the  rate  Visa 
itself receives, or (b) the government mandated rate in effect for the 
applicable central processing date.  

Payments

Your  Promise  to  Pay.    You  promise  to  pay  to  us  all  amounts 

advanced to you (including amounts advanced to any Authorized 
User)  under  this Agreement,  plus  all  Fees  and  Interest  Charges 
assessed on those amounts, and all other charges, costs, and fees 
which you incur under the terms of this Agreement.  

Total  Minimum  Payment  Due.    You  may  pay  any  or  all  of  the 
amounts  you  owe  at  any  time  without  penalty,  but  you  must  pay 
at least the Total Minimum Payment Due each month on or before 
the due date in order to maintain your credit privileges.  The “Total 
Minimum Payment Due” is comprised of the Monthly Payment plus 
any amount past due, as reflected on the monthly billing statement.   
If  the  New  Balance  shown  on  your  statement  is  $38.00  or  less, 
the  “Monthly  Payment”  is  the  New  Balance.    If  the  New  Balance 
exceeds  $38.00,  the  Monthly  Payment  is  the  greater  of  (a)  five 
percent  (5%)  of  your  New  Balance  at  the  end  of  the  billing  cycle 
(rounded up to the nearest dollar) or (b) $38.00.  The Total Minimum 
Payment  Due  may  also  include  the  amount  by  which  your  New 
Balance  exceeds  your  credit  limit  (“Over  Credit  Limit  Amount”).  
Failure to pay the Over Credit Limit Amount as requested on your 
monthly billing statement will not, by itself, cause your Account to 
be delinquent. The Total Minimum Payment Due is due by the due 
date shown on the monthly billing statement (the due date will be at 
least twenty-one (21) days from the billing cycle closing date) and 
payments must be made to Mid America Bank & Trust Company at 
the address shown on the monthly billing statement.  Merchandise 
refunds, Fee or Interest Charge reversals or other credits to your 
Account  will  be  applied  towards  your  outstanding  balance,  but 
will  not  be  treated  as  payments  for  purposes  of  satisfying  your 
obligation to make the next Total Minimum Payment Due.  

Payment Instructions.  Payments received in Proper Form before 
5:00 pm CST on a business day will post to your Account that day.  
Payments  received  after  5:00  pm  CST  on  a  business  day  and 
payments made on a Saturday, Sunday, or bank holiday will post to 
your Account the following business day.  We may, in our discretion, 
accept  payments  not  received  in  Proper  Form,  but  crediting  of 
such payments may be delayed up to five business days following 
receipt. Delayed crediting may cause you to incur a Late Payment 
Fee and additional Interest Charges.  “Proper Form” means that a 
payment sent by mail or courier follows these guidelines:
• 

Payments must be sent to the address on the payment  
coupon of your  monthly billing statement.
Payments must be made by personal check, money order,  
cashier’s check, or guaranteed funds (described below) in  
U.S. dollars payable to Mid America Bank & Trust Company.
All checks or negotiable instruments must be drawn on a U.S. 
financial institution and contain proper signatures and  
consistent numeric and written amounts.
Payments must not be in the form of cash or third-party  
checks. 
Your payment coupon must be included with your payment.  
If your payment coupon is not included, your name and  
account number must be printed legibly on your check or  
negotiable instrument.

• 

• 

• 

• 

Payments not made in guaranteed funds may not create available 
credit for up to fourteen (14) days to allow the payment to clear or 
even  longer  if  circumstances  warrant  an  additional  hold,  or  if  we 
deem  ourselves  at  risk  for  any  reason.    Guaranteed  funds  which 
are accepted include payments in the form of bank or postal money 
orders, bank cashiers checks, debit card payments, Western Union 
and  MoneyGram.    This  list  may  change.    Please  call  customer 
service for a current list of payments accepted as guaranteed funds.  
Third party payments are subject to review and may not immediately 
create  available  credit.   At  our  discretion,  we  may  accept  late  or 

partial  payments,  as  well  as  payments  that  are  marked  “paid  in 
full”  or  other  restrictive  endorsements,  without  losing  any  of  our 
rights under this Agreement.  You agree that we need not examine 
any payment check to confirm that it is not postdated, and that we 
may  deposit  any  postdated  check  for  payment  to  us  on  the  day 
we  receive  it.  Satisfaction  of  a  debt  for  less  than  the  full  amount 
due or imposition of any other term or condition on us requires a 
written  agreement,  signed  by  an  authorized  Bank  representative. 
All written communications concerning disputed amounts, including 
a  check  or  other  payment  instrument  that  (a)  indicates  that  the 
payment constitutes “payment in full” or is otherwise tendered as 
full satisfaction of a disputed amount or (b) is tendered with other 
conditions or limitations, must be marked or delivered to us at the 
address for billing inquiries shown on your monthly billing statement, 
not at the payment address.  You waive presentment for payment, 
protest,  notice  of  non-payment  and  of  protest,  and  agree  to  any 
extensions  of  time  of  payment  and  partial  payment  before,  at,  or 
after maturity.  You may at any time pay more than your minimum 
payment or pay off your entire balance in full without any additional 
charge for prepayment. No matter how large your payment is in one 
billing cycle, you will need to make a payment in the following cycle 
if you have an outstanding balance. You are not authorized to use 
your available credit to make a payment on your Account and we 
may refuse such payments in our sole discretion.  We may resubmit 
and electronically collect returned payments. We may also adjust 
your Account  as  necessary  to  correct  errors,  to  process  returned 
and reversed payments, and to handle similar issues.

How We Apply Payments.  Payments will be applied in a manner 
we determine in accordance with applicable law, and the application 
of payments may change from time to time.  

Credit Balances. You may not maintain a credit balance on your 
Account.  If payments cause a credit balance, your Account may 
be temporarily suspended and subject to further review.  We may 
reject and return to you any payment that creates a credit balance 
on your Account. Any credit balance we allow will not be available 
until we confirm that your payment has cleared. You may contact us 
as provided on your monthly billing statement and request a refund 
of any available credit balance of $1.00 or more. If you contact us 
in writing, we will refund your credit balance within 7 business days 
from  our  receipt  of  your  written  request.    If  you  do  not  request  a 
refund, we will apply credit balances to future amounts you owe us 
unless a refund is required by law.

Electronic  Check  Presentment.    By  sending  us  a  check  as 
payment,  you  authorize  us  to  use  information  on  your  check  to 
make  a  one-time  electronic  funds  transfer  from  your  account 
at  the  financial  institution  indicated  on  your  check  or  to  process 
the  payment  as  a  check  transaction.    When  we  use  information 
from your check to make an electronic funds transfer, funds may 
be  withdrawn  from  your  bank  account  as  soon  as  the  same  day 
we  receive  payment.    If  your  check  is  processed  electronically, 
your canceled check will not be returned to you by your financial 
institution. We will retain an image of your electronically processed 
check(s) as required by law. If requested prior to the time we are 
allowed by law to destroy electronically processed checks, we will 
provide you with a copy of your electronically processed check(s) 
upon your request.   

Monthly Billing Statements, Communications and Information About You

Monthly Billing Statements.  We will send you a monthly billing 

statement  at  the  end  of  each  monthly  billing  cycle  in  which  your 
Account  has  a  debit  or  credit  balance  of  more  than  $1.00,  if  an 
Interest  Charge  has  been  imposed  or  if  other  Account  activity 
has  occurred.  Your  statement  will  arrive  around  the  same  time 
each month, however we reserve the right  to change the date  of 
your billing cycle at any time to the extent permitted by law.  The 
statements we send to you will reflect the activity and our Interest 
Charges,  Fees  and  other  charges  on  your  Account  during  the 
immediately  preceding  monthly  billing  cycle.  They  will  also  show 
your Total Minimum Payment Due and the due date by which we 
must receive payment. The information contained on the statement 
will  be  deemed  to  be  correct  unless  you  notify  us  in  accordance 
with the Section below entitled “Your Billing Rights”. 

Description of E-Statements.  You may elect to have your monthly 
billing  statements  and  other  required  disclosures  accompanying 
your  monthly  billing  statements  (“E-Statements”)  for  your  Account 
delivered to you electronically in place of paper disclosures.  You may 
sign up for the E-Statement service or cancel the E-Statement service 
at any time by logging into your Account at www.myccpay.com.  Your 
use of the E-Statement service will be subject to the additional terms 
and  conditions  presented  to  you  at  the  time  of  your  enrollment  for 
E-Statements.

Communication  with  You.    We  may  contact  you  from  time  to 
time  regarding  your  Account.  We  (and  our  affiliates,  agents  and 
contractors)  may  contact  you  in  any  manner  we  choose  to  the 
extent allowed by applicable law. For example, we may contact you: 
(1) by mail, telephone, email, or text message;
(2) by using an automated dialing or similar device (“autodialer”);
(3) at your home and at your place of employment;
(4) on your mobile, wireless or cellular telephone or similar device, 
which may result in charges to you;
(5) at any time, including weekends and holidays;
(6) with any frequency; 
(7) by leaving prerecorded and other messages on your answering 
machine/service and with others; and 
(8)  by  identifying  ourselves,  your  relationship  with  us  and  our 
purpose for contacting you even if others might hear or read it.
We may monitor or record any conversation or other communication 
with  you.  Unless  the  law  states  we  cannot,  we  may  modify  or 
suppress  caller  ID  and  similar  services  and  identify  ourselves  on 
these services in any manner we choose. You also agree that we 
may  contact  you  using  phone  numbers,  addresses  and  e-mail 
addresses  we  obtain  from  public  and  nonpublic  databases  we 
may lawfully access. Where allowed by law, we also may contact 
other individuals who may be able to provide updated employment, 
location,  and  contact  information  for  you.    Some  of  the  legal 
purposes  for  calls  and  messages  include:  suspected  fraud  or 
identity  theft;  obtaining  information;  transactions  on  or  servicing 
of  your  Account;  collecting  on  your  Account;  and  providing  you 
information about certain products, services and promotions.

Account Alert Service.  Through our Account Alert Service, we 
will send certain alerts about your Account. You expressly agree 
that we may send you Account Alerts through email messages, 
SMS text messages to mobile numbers you provide to us or any 
other means we may make available to you from time to time. You 
may adjust Account Alert and delivery preferences at any time 
by  logging  into  your Account  at  www.myccpay.com.     Account 
Alerts  sent  via  SMS  text  messages  can  also  be  cancelled  at 
any time by texting the reply “STOP” from your mobile phone.  
You  are  responsible  for  any  fees  or  other  charges  that  your 
wireless  carrier  may  charge  for  any  related  data  or  message 

services,  including  without  limitation  SMS  text  services.    You 
agree  that  Account  Alerts  may  not  be  encrypted,  and  may 
include your name and information pertaining to your Account. 
Receipt of any Account Alert may be delayed, or prevented by 
factors affecting your Internet service provider, phone operator, 
and  other  relevant  entities.  We  offer  Account  Alerts  solely  as 
a  convenience  to  you.    We  neither  guarantee  the  delivery  or 
the accuracy of the contents of any Account Alert. We will not 
be  liable  for  losses  or  damages  arising  from  (a)  non-delivery, 
delayed  delivery,  or  wrong  delivery  of  any  Account  Alert;  (b) 
inaccurate content in a Account Alert; (c) your use or reliance on 
the contents of any Account Alert for any purposes. We reserve 
the right to terminate any request from you for any Account Alert, 
at any time. The information in any Account Alert may be subject 
to certain time lags and/or delays. We may terminate or suspend 
the Account Alert Service at any time without notice.

Your Consent for Calls and/or Text Messages to Your Mobile 
Phone.    When  you  give  us  or  we  obtain  your  mobile  telephone 
number, you expressly agree that we (and our affiliates, agents and 
contractors)  may  contact  you  at  this  number  using  an  autodialer 
and can also leave prerecorded and other messages, including text 
messages.  We  may  do  these  things  whether  we  contact  you  or 
you contact us.  You agree you will be responsible for any fees or 
charges you incur as a result of incoming calls or text messages 
from us, from our affiliates or from any third party acting on behalf 
of us or our affiliates.

Notices.    Any  notice  required  to  be  provided  to  you  under  this 
Agreement shall be given to you at your residence address shown 
on our records and shall be effective when sent by first class mail, 
unless otherwise required by Missouri law.  You agree to advise us 
promptly of any change in your address.  Any notice from you to us 
shall be sent to PO Box 91510, Sioux Falls, South Dakota 57109 
or to such other address as we may give you and shall be effective 
when  received  by  us.    We  may,  at  our  discretion,  accept  mailing 
address corrections from the United States Postal Service.  

Privacy Policy. The privacy policy for Mid America Bank & Trust is 
provided separately in accordance with applicable law.

Your Account  Information.    We  need  current  information  about 
you  to  manage  your Account. The  information  we  need  includes: 
(1) your legal name; (2) a valid U.S. mailing address and residential 
address  (if  different);  (3)  your  e-mail  address;  (4)  your  social 
security  number  or  other  government  identification  number;  (5) 
your  telephone  number(s);  and  (6)  your  employment  and  income 
information.  You  are  responsible  for  promptly  notifying  us  when 
this information changes. We may require you to provide additional 
documents  that  are  acceptable  to  us  to  verify  this  information  or 
any changes. We maintain the right to restrict or close your Account 
if  your  information  cannot  be  verified  or  if  you  do  not  provide 
additional information as requested.

Credit  Information.    We  are  entitled  under  applicable  law, 
including the Fair Credit Reporting Act, to obtain information about 
you  from  a  credit  reporting  agency  and  we  may  also  verify  your 
credit references and other information that you provide to us.  We 
may obtain updated or additional information about you, including 
consumer  reports,  for  any  legitimate  purpose  including,  but  not 
limited to, the extension of credit to you or the review or collection 
of your Account.  We may provide information about you and your 
Account to credit reporting agencies and others as provided in our 
privacy  policy.  Information  we  provide  might  appear  on  your  and 

  
 
 
 
 
 
 
 
 
 
your Authorized Users’ credit reports. This could include negative 
information if you do not comply with the terms of this Agreement. 

Suspending or Closing Your Account.  

Your Contract With Us

Amendment  or  Modification.    At  any  time  and  subject  to 
applicable law, we may change or delete any term of, or add new 
terms  to,  this Agreement,  including  without  limitation  the  Interest 
Charge, Annual  Percentage  Rate,  Fees, Total  Minimum  Payment 
Due  amount,  and  the  arbitration  provision.    Unless  prohibited 
by  applicable  law,  these  changed  or  new  terms  will  apply  to  any 
Account  balance  outstanding  on  the  effective  date  of  the  change 
and  to  all  future  balances.    When  required  by  applicable  law,  we 
will notify you in advance of any changes, deletions or additions.  
Our notice will tell you when and how the changes will take effect 
and describe any rights you have in connection with the changes. 

Governing Law.  This Agreement and your Account, and any claim, 
dispute  or  controversy  (whether  in  contract,  tort,  or  otherwise)  at 
any time arising from or relating to your Account, this Agreement 
or  any  transferred  balances,  are  governed  by  and  construed 
in  accordance  with  applicable  federal  law  and,  to  the  extent  not 
preempted by federal law, by the laws of Missouri (without regard to 
internal principles of conflict of laws), but we rely on the provisions 
of Nebraska law with respect to the Fees that apply to your Account 
as authorized by Missouri Revised Statutes Section 408.145.   

Default.  We may declare your Account to be in default upon the 
occurrence of any of the following events:
(a) You fail to make any payment required under the terms of this 
Agreement when due;
(b) You fail to comply with any of the terms and conditions set forth 
in this Agreement;
(c) You exceed your credit limit;
(d) You become incapacitated or die;
(e) You provide us with false or misleading information or 
signatures in any respect;
(f) We obtain information that causes us to believe that you may 
be unwilling or unable to pay your debts to us on time;
(g) We in good faith deem Mid America Bank & Trust Company to 
be insecure or believe that the prospect of payment is impaired;
(h) You file for bankruptcy;
(i) You move out of the U.S. or you provide us with a non-U.S. 
mailing address.
(j)  You request an excessive number of replacement Cards.
Upon your default, we can suspend or terminate your ability to use 
your  Card  or Account,  lower  your  credit  limit,  increase  your Total 
Minimum Payment Due, demand the return of your Card(s), declare 
your entire balance immediately due and payable, initiate collection 
activity, continue to charge you Interest Charges and Fees as long 
as your balance remain outstanding, and exercise all other rights 
or  remedies  permitted  by  law,  all  without  prior  notice  or  demand 
except as required by law. You promise to pay any collection costs 
and  attorneys’  fees  that  we  incur  as  a  result  of  your  default.  Our 
failure  to  declare  your  Account  in  default  does  not  excuse  you 
from performing all of your obligations under this Agreement, nor 
shall  such  failure  constitute  a  waiver  of  our  rights  to  declare  the 
Account  in  default  and  terminate  your  ability  to  use  the Account 
and the Card at a later time or upon the occurrence of the same or 
a different event of default.  A negative credit report reflecting on 
your credit record may be submitted to one or more credit-reporting 
agencies if you fail to fulfill the terms of your credit obligations.  

We  May  Suspend  or  Close  Your  Account:  We  may  close  or 
suspend your Card or Account and require the return of your Card 
for any reason, including default, without notice to you except as 
may be required by applicable law. We may terminate your Account 
if you are or become a non-U.S. resident or a resident of New York 
or  Wisconsin.  Sometimes  we  close  accounts  based  not  on  your 
actions or inactions, but on our business needs. If we close your 
Account, we will not be liable to you for any consequences resulting 
from closing your Account or suspending your credit privileges.  

You May Close Your Account: You may cancel your Account at 
any time by notifying us by telephone or in writing. 

If your Account is closed, you are still responsible for any amounts 
due on the Account pursuant to the terms of this Agreement and 
the Account will continue to accrue applicable Interest Charges and 
other Fees and charges until the Account is paid in full.

Refund Disclosure. We will refund your Processing Fee and initial 
Fees (those Fees that are billed at the time of Account opening) if 
(1) you have not used your Card for a Purchase or Cash Advance; 
and  (2)  you  have  not  made  a  payment  on  your  Account  after 
receiving  a  monthly  billing  statement.  We  will  refund  any  partial 
payment of the Processing Fee if you do not open your Account.  If 
you later elect to close your Account and notify us of your election in 
writing within thirty (30) days or one billing cycle (whichever is less) 
after  an Annual Fee appears on your monthly billing statement, the 
Annual Fee will be credited to your Account.  Except as described 
in this paragraph, Fees are generally non-refundable.  If you elect 
to cancel an additional Card and notify us of your election in writing 
within thirty (30) days or one billing cycle (whichever is less) after  
an Additional Card Fee appears on your monthly billing statement, 
the Additional Card Fee will be credited to your Account.  
Severability.    If  any  provision  of  this  Agreement,  including  any 
portion of the arbitration agreement set forth below, is determined 
to be invalid or unenforceable under any rule, law, or regulation, the 
validity  or  enforceability  of  any  other  provision  of  this Agreement 
shall not be affected, and in lieu of such invalid or unenforceable 
provision  there  shall  be  added  automatically,  as  part  of  this 
Agreement,  a  provision  as  similar  in  terms  as  may  be  valid  and 
enforceable, if possible.  Notwithstanding the foregoing, if a class 
action  litigation  or  a  class-wide  arbitration  is  permitted  for  any 
reason, either party may require that the entire Dispute, as defined 
in  the  Section  entitled  “Arbitration”  below,  be  heard  by  a  judge, 
sitting without a jury, under applicable court rules and procedures.

Attorneys Fees and Costs.  Except as may be provided otherwise 
in  this Agreement,  you  agree  to  pay  all  costs  incurred  by  us,  our 
successors  or  assigns,  in  collecting  unpaid  indebtedness  or  in 
enforcing  this  Agreement,  including  attorneys  fees  and  costs, 
as  well  as  those  costs,  expenses  and  attorneys  fees  incurred  in 
appellate,  bankruptcy  and  post-judgment  proceedings,  except  to 
the extent such costs, fees or expenses are prohibited by law.

No Waiver by Us.  Subject to applicable law, we reserve the right 
not  to  impose  part  or  all  of  any  Fee  or  other  amount  imposed 
pursuant  to  this  Agreement  or  not  to  exercise  any  of  our  rights 
under this Agreement, and should we do so, we will not waive our 
right to impose such Fee or amount or exercise such right in the 
future.

Assignment.  We may sell, assign or transfer all or any portion of 

your Account or any balances due under your Account without prior 
notice to or consent from you.  You may not sell, assign or transfer 
your  Card  or  your Account  or  any  of  your  obligations  under  this 
Agreement.  This Agreement will be binding on, and benefit, any of 
your and our successors and assigns.

Entire Agreement.  This Agreement, together with your application, 
constitutes  the  final  expression  of  the  credit  agreement  between 
you and us relating to your Account and supersedes and may not 
be contradicted by evidence of any prior or contemporaneous oral 
credit agreement between you and us relating to your Account.

No Warranties.  Except as otherwise provided in the Section below 
entitled “Your Billing Rights”, we are not responsible for any claim 
you might have regarding the purchases of goods or services made 
with your Card. 

Merchant  Refunds.    If  you  are  entitled  to  a  refund  for  goods  or 
services purchased with your Card, you will accept these refunds 
as  credits  to  your Account.  We  do  not  control  when  a  merchant 
sends us your refund. We will also have a reasonable amount of 
time after we receive your refund to process it.

Arbitration

READ  THIS  ARBITRATION  PROVISION.  UNLESS  YOU  ACT 
PROMPTLY  TO  REJECT  THE  ARBITRATION  PROVISION 
BY  OPTING  OUT  IN  ACCORDANCE  WITH  PARAGRAPH  b, 
CAPTIONED  “OPT-OUT  PROCESS,”  THE  ARBITRATION 
PROVISION  WILL  BE  PART  OF  THIS  AGREEMENT  AND 
WILL  HAVE  A  SUBSTANTIAL  EFFECT  ON  YOUR  RIGHTS, 
INCLUDING  YOUR  RIGHT  TO  BRING  OR  PARTICIPATE  IN  A 
CLASS ACTION, IN THE EVENT OF A DISPUTE. 

a. General: This Arbitration Provision describes when and how a 
Claim (as defined below) may be arbitrated. Arbitration is a method 
of  resolving  disputes  in  front  of  one  or  more  neutral  persons, 
instead  of  having  a  trial  in  court  in  front  of  a  judge  and/or  jury.  It 
can be a quicker and simpler way to resolve disputes. Arbitration 
proceedings  are  private  and  less  formal  than  court  trials.  Each 
party to the dispute has an opportunity to present some evidence 
to  the  arbitrator.  The  arbitrator  will  issue  a  final  and  binding 
decision  resolving  the  dispute(s),  which  may  be  enforced  as  a 
court  judgment.  A  court  rarely  overturns  an  arbitrator’s  decision. 
As  solely  used  in  this  Arbitration  Provision,  the  terms  “we,”  “us” 
and “our” mean not just Mid America Bank & Trust Company but 
also our parent companies, wholly or majority-owned subsidiaries, 
affiliates,  commonly-owned  companies,  successors,  assigns  and 
any of these entities’ employees, officers, directors and agents. For 
purposes of this Arbitration Provision, these terms also mean any 
other  third  party  providing  any  goods  and  services  in  connection 
with your Account, servicing and collection of amounts due on your 
Account,  if  you  name  that  third  party  and  us  as  defendants  in  a 
single proceeding. 
b. Opt-Out Process. If you do not want this Arbitration Provision 
to  apply,  you  may  reject  it  by  mailing  us  a  written  opt  out  notice 
which contains your Account number, your name and address and 
a signed statement that you opt out of the Arbitration Provision of 
this Agreement. The opt out notice must be sent to us by mail at 
Mid America Bank & Trust Company, PO Box 91510, Sioux Falls, 
SD  57109.  (You  should  retain  a  copy  of  your  opt-out  notice  and 
evidence of mailing or delivery.)  An opt out notice is only effective 
if it is signed by you and if we receive it within thirty (30) days after 

the date we delivered this Agreement to you. Indicating your desire 
to opt-out of this Arbitration Provision in any manner other than as 
provided above is insufficient notice. However, your decision to opt 
out  of  this Arbitration  Provision  will  not  have  any  other  effect  on 
this Agreement and will not affect any other arbitration agreement 
between you and us, which will remain in full force and effect. If you 
don’t  reject  this Arbitration  Provision,  it  will  be  effective  as  of  the 
date you were approved for an Account. 
c. What Claims Are Covered: “Claim” means any claim, dispute 
or  controversy  between  you  and  us  that  in  any  way  arises  from 
or relates to your Account, including disputes arising from actions 
or  omissions  on  or  prior  to  the  date  of  this  Agreement.  “Claim” 
has  the  broadest  reasonable  meaning,  and  includes  initial 
claims,  counterclaims,  cross-claims  and  third-party  claims.  It 
includes  disputes  based  upon  contract,  negligence,  fraud  and 
other  intentional  torts,  constitution,  statute,  regulation,  ordinance, 
common  law  and  equity  (including  any  claim  for  injunctive  or 
declaratory relief). Despite the foregoing, “Claim” does not include 
any  individual  action  brought  by  you  in  small  claims  court  or 
your  state’s  equivalent  court,  unless  such  action  is  transferred, 
removed,  or  appealed  to  a  different  court.  In  addition,  except  as 
set  forth  in  the  immediately  following  sentence,  “Claim  does  not 
include  disputes  about  the  validity,  enforceability,  coverage  or 
scope  of  this Arbitration  Provision  or  any  part  thereof  (including, 
without  limitation,  this  sentence,  the  prohibitions  against  class 
proceedings, private attorney general proceedings and/or multiple-
party proceedings described in paragraph g, captioned “Prohibition 
Against  Certain  Proceedings”  (the  “Class Action  Waiver”),  or  the 
last  sentence  of  paragraph  m,  captioned  “Severability,”);  all  such 
disputes are for a court and not an arbitrator to decide. However, 
any dispute or argument that concerns the validity or enforceability 
of  this Agreement  as  a  whole  is  for  the  arbitrator,  not  a  court,  to 
decide.
d. Starting or Electing to Require Arbitration: Either you or we 
may  start  an  arbitration  of  any  Claim  or  require  any  Claim  to  be 
arbitrated. Arbitration is started by initiating an arbitration or required 
by giving written notice to the other party requiring arbitration. This 
notice may be given before or after a lawsuit has been started over 
the  Claim  and  may  address  any  Claims  brought  in  the  lawsuit, 
provided  that  a  party  may  not  pursue  a  Claim  in  a  lawsuit  and 
then seek to arbitrate that same Claim unless the other party has 
asserted another Claim in the lawsuit or an arbitration. The notice 
may  be  in  the  form  of  a  motion  or  petition  to  compel  arbitration. 
Arbitration  of  a  Claim  must  comply  with  this Arbitration  Provision 
and, to the extent not inconsistent or in conflict with this Arbitration 
Provision, the applicable rules of the arbitration Administrator. 
e.  Choosing  the  Administrator:  “Administrator”  means  the 
American  Arbitration  Association  (“AAA”),  1633  Broadway,  10th 
Floor, New York, NY 10019, www.adr.org; JAMS, 1920 Main St. at 
Gillette Ave., Suite 300, Irvine, CA 92614, www.jamsadr.com, or any 
other company selected by mutual agreement of the parties. If AAA 
and  JAMS  cannot  or  will  not  serve  and  the  parties  are  unable  to 
select an Administrator by mutual consent, the Administrator will be 
selected by a court. The party asserting the Claim (the “Claimant”) 
may  select  the  Administrator.  Notwithstanding  any  language  in 
this  Arbitration  Provision  to  the  contrary,  no  arbitration  may  be 
administered, without the consent of all parties to the arbitration, by 
any Administrator that has in place a formal or informal policy that 
purports to override the Class Action Waiver.
f. Court and Jury Trials Prohibited; Other Limitations on Legal 
Rights: IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU 
AND WE WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM 
IN  COURT  OR  HAVE  A  JURY  DECIDE  THE  CLAIM.  ALSO, 
YOUR  AND  OUR  ABILITY  TO  OBTAIN  INFORMATION  FROM 

to  you,  as  determined  by 

THE  OTHER  PARTY  IS  MORE  LIMITED  IN  AN  ARBITRATION 
THAN  IN  A  LAWSUIT.  OTHER  RIGHTS  THAT  YOU  OR  WE 
WOULD  HAVE  IN  COURT  MAY ALSO  NOT  BE AVAILABLE  IN 
ARBITRATION. 
g.  Prohibition  Against  Certain  Proceedings:  IF  YOU  OR  WE 
ELECT  TO  ARBITRATE  A  CLAIM:  (1)  NEITHER  YOU  NOR 
WE  MAY  PARTICIPATE  IN  A  CLASS  ACTION  IN  COURT  OR 
IN  CLASS-WIDE  ARBITRATION,  EITHER  AS  A  PLAINTIFF, 
DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE 
MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR 
IN AN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST 
YOU MAY NOT BE JOINED OR CONSOLIDATED WITH CLAIMS 
BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE 
ARBITRATOR SHALL HAVE NO AUTHORITY TO CONDUCT A 
CLASS-WIDE ARBITRATION,  PRIVATE ATTORNEY  GENERAL 
ARBITRATION, OR MULTIPLE-PARTY ARBITRATION.
h.  Location  and  Costs  of  Arbitration:  Any  arbitration  hearing 
that you attend in person must take place at a location reasonably 
convenient 
the  arbitrator.  Each 
Administrator charges fees to administer an arbitration proceeding 
and the arbitrator also charges fees. This includes fees not charged 
by a court. If either you or we require a Claim to be arbitrated, you 
may tell us in writing that you cannot afford to pay the fees charged 
by the Administrator and/or the arbitrator or that you believe those 
fees are too high. If your request is reasonable and in good faith, 
we will pay or reimburse you for all or part of the fees charged to 
you by the Administrator and/or arbitrator. Also, we will pay these 
fees if applicable law requires us to, if you prevail in the arbitration 
or if we must bear such fees in order for this Arbitration Provision to 
be enforced. We will not ask you to pay or reimburse us for any fees 
we pay the Administrator or arbitrator. We will bear the expense of 
our attorneys, experts and witnesses. You will bear the expense of 
your attorneys, experts and witnesses if we prevail in an arbitration. 
However,  if  you  are  the  Claimant,  we  will  pay  your  reasonable 
attorney, expert and witness fees and costs if you prevail or if we 
must bear such fees and costs in order for this Arbitration Provision 
to be enforced. Also, we will bear any fees and costs if applicable 
law requires us to do so.
i.  Governing  Law:  This Arbitration  Provision  is  governed  by  the 
Federal Arbitration Act,  9  U.S.C.  §§  1-16  (the  “FAA”),  and  not  by 
any  state  arbitration  law.  The  arbitrator  must  apply  applicable 
substantive law consistent with the FAA and applicable statutes of 
limitations and claims of privilege recognized at law. The arbitrator 
is  authorized  to  award  all  remedies  permitted  by  the  substantive 
law that would apply if the action were pending in court (including, 
without  limitation,  punitive  damages,  which  shall  be  governed  by 
the Constitutional standards employed by the courts). At the timely 
request  of  either  party,  the  arbitrator  must  provide  a  brief  written 
explanation of the basis for the award.
j.  Right  to  Discovery:  In  addition  to  the  parties’  rights  to  obtain 
discovery  pursuant  to  the  arbitration  rules  of  the  Administrator, 
either party may submit a written request to the arbitrator to expand 
the  scope  of  discovery  normally  allowable  under  the  arbitration 
rules  of  the Administrator.  The  arbitrator  shall  have  discretion  to 
grant or deny that request.
k. Arbitration Result and Right of Appeal: At the timely request 
of either party, the arbitrator shall provide a written explanation for 
the award. Either party may appeal the arbitrator’s decision within 
30 days to a single arbitrator or a three-arbitrator panel selected in 
accordance with the Administrator’s rules, which shall resolve the 
Claim without regard to the original decision. We will pay the entire 
cost of an appeal unless we are willing to have the appeal decided 
by a single arbitrator and you insist upon a three-arbitrator panel. 
In such event, you will be responsible for paying your portion of the 

difference in arbitration fees between a single arbitrator and a three-
arbitrator panel, as determined by the panel. However, we will pay 
all costs to the extent required by law and/or required to enforce this 
Arbitration Provision. The original award or any subsequent award 
on the appeal described above shall be final and binding, subject 
to any further right to appeal provided by the FAA. The arbitrator’s 
award may be entered by any court having jurisdiction.
l.  Rules  of  Interpretation:  This  Arbitration  Provision  is  binding 
upon  and  benefits  you,  your  respective  heirs,  successors  and 
assigns. This Arbitration Provision also is binding upon and benefits 
us.  This  Arbitration  Provision  shall  survive  the  repayment  of  all 
amounts owed under this Agreement, any legal proceeding and any 
bankruptcy, to the extent consistent with applicable bankruptcy law. 
This  Arbitration  Provision  survives  any  termination,  amendment, 
expiration or performance of any transaction between you and us 
and continues in full force and effect unless you and we otherwise 
agree in writing. In the event of a conflict or inconsistency between 
this  Arbitration  Provision,  on  the  one  hand,  and  the  applicable 
arbitration rules or the other terms of this Agreement, on the other 
hand, this Arbitration Provision shall govern.
m.  Severability:  If  any  portion  of  this  Arbitration  Provision  is 
deemed invalid or unenforceable, such a finding shall not invalidate 
any remaining portion of this Arbitration Provision, this Agreement, 
or  any  other  agreement  entered  into  by  you  with  us.  However, 
notwithstanding  any  language  in  this Arbitration  Provision  or  this 
Agreement to the contrary, the Class Action Waiver is not severable 
from  the  remainder  of  this Arbitration  Provision  and,  in  the  event 
that the Class Action Waiver is held to be invalid and unenforceable, 
and  subject  to  any  right  of  appeal  that  may  exist  with  respect  to 
such determination, any class action or representative proceeding 
shall be determined in a court of law and will not be subject to this 
Arbitration Provision.
n. Notice and Cure; Special Payment: Prior to initiating a lawsuit 
or  an  arbitration  proceeding  under  this  Arbitration  Provision,  the 
Claimant shall give the other party or parties written notice of the 
Claim (a “Claim Notice”) and a reasonable opportunity, not less than 
30 days, to resolve the Claim. Any Claim Notice to you shall be sent 
in  writing  by  mail  to  the  address  you  have  provided  in  your  Card 
application  (or  any  updated  address  you  subsequently  provide). 
Any  Claim  Notice  to  us  shall  be  sent  by  mail  to  PO  Box  91510, 
Sioux Falls, SD 57109 (or any updated address we subsequently 
provide),  attn: ARBITRATION.   Any  Claim  Notice  you  send  must 
identify  yourself  by  including  your  name,  address  and  Account 
number.  Any  Claim  Notice  must  explain  the  nature  of  the  Claim 
and the relief demanded. You may only submit a Claim Notice on 
your own behalf and not on behalf of any other party. The Claimant 
must reasonably cooperate in providing any information about the 
Claim that the other party reasonably requests and must give the 
other  party  a  reasonable  opportunity  to  respond  to  the  demand 
for relief. If: (i) you submit a Claim Notice in accordance with this 
paragraph  on  your  own  behalf  (and  not  on  behalf  of  any  other 
party); (ii) we refuse to provide you with the relief you request; and 
(iii) an arbitrator subsequently determines that you were entitled to 
such relief (or greater relief), the arbitrator shall award you at least 
$7,500 (not including any arbitration fees and attorneys’ fees and 
costs to which you may be entitled).

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  Find  A  Mistake  On  Your  Monthly  Billing 
Statement

If you think there is an error on your monthly billing statement, write 
to  us  at  the  address  listed  on  your  monthly  billing  statement.    In 
your letter, give us the following information:
•   Account information: Your name and Account number.
•   Dollar amount: The dollar amount of the suspected error.
•   Description of problem: If you think there is an error on your bill, 
  describe what you believe is wrong and why you believe it is a 
  mistake.

You must contact us:
•  Within 60 days after the error first appeared on your monthly billing 
  statement.
•  At  least  3  business  days  before  an  automated  payment  is  
  scheduled, if you want to stop payment on the amount you think  

is wrong.

You must notify us of any potential errors in writing. You may call us, 
but if you do we are not required to investigate any potential errors 
and you 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 billing 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 Charges 
  and Fees. We will send  you a statement of the  amount you owe 
  and  the  date  payment  is  due.  We  may  then  report  you  as 
  delinquent if you do not pay the amount we think you owe.

If  you  receive  our  explanation  but  still  believe  your  bill  is  wrong, 
you must write to us within 10 days telling us that you still refuse 
to  pay.  If  you  do  so,  we  cannot  report  you  as  delinquent  without 
also reporting that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as delinquent, and 
we must let those organizations know when the matter has been 
settled between us.  If we do not follow all of the rules above, you 
do not have to pay the first $50.00 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 $50.00. ( 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  Card  for  the  Purchase.  Purchases 
  made  with  Cash Advances  from  an ATM  or  with  a  check  that 
 accesses your Account  do not qualify.

3. You must not yet have fully paid for the Purchase.

If all of the criteria above are met and you are still dissatisfied with 
the purchase, contact us in writing at:
Mid America Bank and Trust
PO Box 91510
Sioux Falls, SD 57109

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.

State Disclosures

California Residents: A married applicant may apply for a separate 
Account. As required by law, you are hereby notified that a negative 
credit reporting reflecting on your credit record may be submitted to 
a Consumer Reporting Agency if you fail to fulfill the terms of your 
credit  obligations. After  credit  approval,  each  applicant  shall  have 
the right to use the Account up to the limit of the Account. 
Delaware  Residents:  Service  charges  not  in  excess  of  those 
permitted by law will be charged on the outstanding balances from 
month to month.
New York  and  Vermont  Residents:  We  may  obtain  a  consumer 
report  for  any  legitimate  purpose  in  connection  with  your Account 
or your application, including but not limited to reviewing, modifying, 
renewing and collecting on your Account. Upon your request, we will 
inform you of the names and addresses of any Consumer Reporting 
Agencies that have furnished the reports.  New York residents may 
contact the New York State Banking Department (1-877-226-5697) 
to  obtain  a  comparative  list  of  credit  card  rates,  fees  and  grace 
periods.
Ohio  Residents:  The  Ohio  laws  against  discrimination  require 
that  all  creditors  make  credit  equally  available  to  all  credit  worthy 
customers,  and  that  Consumer  Reporting  Agencies  maintain 
separate credit histories on each individual upon request. The Ohio 
Civil Rights Commission administers compliance with this law.
Married Wisconsin Residents: No provision of any marital property 
agreement, unilateral statement, or court order applying to marital 
property  will  adversely  affect  a  creditor’s  interests  unless  prior  to 
the  time  credit  is  granted,  the  creditor  is  furnished  with  a  copy  of 
the agreement, statement, or court order, or has actual knowledge 
of that provision.

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