1676 -3 Genesis Credit�  Pricing Summary  
First Electronic Bank  
 
Interest Rates and Interest Charges  
 
Annual Percentage Rate (APR) 
for Purchases  
 34.9%  
 
Paying Interest  
  
We will be gin charging interest on purchases on the transaction date.  
 
 
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  
 
Annual Fee  
  
None  
 
Penalty Fees  
 
� Late Payment  
 
� Returned Payment  
  
 
 
Up to $38 
 
Up to $38 
 
How We Calculate Your Balance:  We use a method called �average daily balance (including new 
purchases)�. See your Account Agreement below for more details.  
 
Billing  Rights:  Information on your rights to dispute transactions and how to exercise those rights is 
provided in your below Account Agreement.  
 
 
Genesis Credit�  Account Agreement  
 
 
Dear Accountholder:  
 
This Agreement, as defined below, is your contract for your  Account and:  
� Covers the terms that govern the use of your Genesis Credit  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 you r records.  Please feel free to call us 
with any questions you may have.  We look forward to serving you.  
 
 
This Agreement begins on the earlier of (1) the date we approve your Application, or (2) the first date that 
we extend Credit to you on your Account, as evidenced by a signed sales slip or other evidence of 
indebtedness.  
 
DEFINITIONS  
    1676 -3 To simplify this Agreement for you, the definitions listed below will apply throughout, both in this 
Agreement and in your monthly statements.  In addition, the words you, your , and yours refer to the 
Accountholder(s) who hold(s) the Account Number and is responsible for the Account, each of whom is 
individually and jointly obligated under this Agreement.  The words we, us, and our refer to First Electronic 
Bank . 
 
Account: Genesis Credit  Account  for which you were issued an Account Number and that is subject to all 
of the terms and conditions of this Agreement.  
 
Account Number:  The Account Number we issue that you may use to make Purchases from Retailer. Use 
of your Account Number to obtain Credit will be considered a use of the Account.  
 
Accountholder: The person to whom an Account Number is issued, or who has agreed to pay obligations 
arising from an Account Number issued to another person.  
 
Agreement:  Your contract with us for your Account, which is composed of your Application, and the 
Account opening disclosures and this Account Agreement.  Any sales slip or other evidence of 
indebtedness on your Account is incorporated into and made part o f this Agreement.  
 
Application:  The form with information that you submitted to apply for your Account, including your 
signature (in any form � wet signed, electronic, or digital), and any acceptance certificate or other request 
that you signed or otherwi se submitted to obtain this Account.  
 
Billing Cycle: The time interval covered by a monthly statement. Each Billing Cycle is approximately 30 
days in length.  
 
Card: Any branded Ca rd we issue that you may use to p urchase goods or services from Retailer. Use  of 
your Card to obtain Credit will be considered use of the Account.  
 
Closing Date: The date of the last day of a Billing Cycle.  
 
Covered Borrower:  Certain members of the Armed Forces and their dependents who are protected by the 
Military Lending Act.  
 
Credit: The credit extension you receive under this Agreement.  
 
Credit Limit: The maximum amount of Credit available to you on your Account. Your Account Credit Limit 
will be disclosed to you on the monthly statements.  
 
New Balance: The total outstanding A ccount balance on the Closing Date specified in your monthly 
statement.  
 
Previous Balance: The balance of your Account at the beginning of a Billing Cycle. This will be the same as 
the �New Balance� shown on the previous monthly statement.  
 
Purchase: An extension of Credit to your Account for the purpose of purchasing goods or services from 
Retailer.  
 
Purchase Balance:  The total outstanding balance of Purchases and interest charges, excluding amounts 
included in the Regular Balance.  
 
Regular Balance:  The total outstanding balance of all amounts other than Purchases and interest charges 
on Purchases . 
 
Retailer: Participating Planned Furniture Promotion managed stores and  Ashley HomeStore  locat ions in 
the U.S.  For a list of Planned Furniture Promotion managed store  locations, see their website at 
www.pfpnow.com/client -list/.  
    1676 -3 USING YOUR ACCOUNT  
 
Purchases .  You may use your Account to purchase goods and services from Retailer. You promise to pay 
us and are liable for all amounts resulting from the autho rized use of your Account Number or Account, 
plus any applicable interest charges and other applicable charges o r fees, payable in U.S. dolla rs.  
 
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 if (1) that transaction would 
cause you to exceed your Credit Limit or (2) your Account is delinquent. We may temporarily agree to 
allow you to exceed your Credit Limit. If we do s o, 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.  
 
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.  Your Monthly Minimum Payment due will be the greater of:  
1. $15; or 
2. The sum of:  
a. Each fixed monthly payment amount applicable to each of your Purchases (described 
below), plus  
b. 5% of yo ur Regular Balance.  
 
Each Purchase will have a fixed monthly payment amount which we calculate when the Purchase is posted 
to your Account. We determine the fixed monthly payment amount for a Purchase by mult iplying the 
Purchase amount by 5%, and then rounding the result to the nearest dollar. If the remaining balance of a 
Purchase plus accrued interest on that Purchase is less than the fixed monthly payment amount, we will 
reduce the fixed monthly payment amount for that Purchase accordingly . We will continue to include the 
fixed monthly payment amount for a Purchase in the Monthly Minimum Payment due until the Purchase 
plus accrued interest on that Purchase is paid in full.  
 
If you make a payment in excess of the Monthly Minimum Payment due for any month, it will not reduce 
the fixed monthly payment amount applicable to any Purchase that is used to calculate your Monthly 
Minimum Payment due in subsequent months, but it may result in your paying off a Purchase more 
quickly.  
 
Your Monthly Minim um Payment due also will include the greater of (i) any past due amount, or (ii) any 
amount by which the New Balance exceeded your Credit Limit. Your Monthly Minimum Payment due will 
never exceed your New Balance.  
 
Payments should be mailed with the payment coupon and in the envelope provided and following the 
other instructions on the monthly statement to  Genesis FS Card Services , PO Box 84049 Columbus, GA 
31908 -4049. Any payment we receive 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 we receive your payment in 
that form and at that address after 5:00 P.M. Eastern Time on a nor mal banking day, or any time on a non -
banking day, we will credit it to your Account the next banking day. Please allow at least seven (7) business 
days for postal delivery. Payments we receive at any other location or in any other form may not be    1676 -3 credited  as of the day we receive them. If we accept a payment at some other place, we may delay the 
crediting of the payment for up to five (5) days. This may cause you to incur Late Payment Fees and 
additional interest charges, and may result in your Account bei ng declared in default.  
 
When you provide a check as payment, you authorize us either to use information from your check to 
make a one -time elec tronic fund transfer from your a ccount 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 y ou owe on your Account 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, and your total 
Credit Limit may not reflect your payments for up to 14 days.  
 
Application of Payments .  For each Billing Cycle, we will allocate payment amounts up to your Monthly 
Minimum Payment to charges and principal due (including new transactions) in any way we determine. 
We will generally apply payment amounts up to 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 Rate . We use a daily periodic rate to calculate the interest on your A ccount. The daily 
periodic rate is the applicable APR multiplied by 1/365. The daily pe riodic rate for your A ccount is 0.0956 % 
and the applicable APR is 34.9 %. 
 
When We Charge Interest .  We charge interest on your Purcha ses from the date you make the Purchase 
until you pay the P urchase in full.  
 
How We Calculate Interest . We calculate interest separately for each balance segment on your Account.  
We do this by applying the daily periodic rate to your average daily balance (including new Pu rchases), 
and then multiplying the resulting number by the number of days in the Billing Cycle for each balance 
segment. An average daily balance is calculated for the following b alance segments as applicable: 
Purchase  Balance segments and the R egula r Balance segment.  
 
We calculate interest for each balance segment as follows:  
1. For each day, we take the beginning balance of each balance segment in the Billing C ycle, including 
any unpaid  interest charges, add any new P urchases and debits, and then subtract the applicable 
portion of any payments and credits. This gives us the daily  balance. Late Payment Fees, Returned 
Payment Fees , and Documentation Fees  are not included in the daily balance.  
2. Then, we add all the daily balances for the Billing C ycle together and divide the total by the 
number of  days in the Billing C ycle. This gives us the average daily balance.  
3. Next, we multiply the daily periodic rate by the average daily balance.  
4. Finally, we take the resulting number from #3 and multiply i t by the number of  days in the Billing 
Cycle. This gives us the interest charge fo r each balance segment for the Billing C ycle.  
 
OTHER FEES  
    1676 -3 In addition to interest charges, other fees may be applied to your Account, as set forth below. The 
amounts of these fees may change from time to time during the term of your Account.  
 
Late Payment Fee . If we do not receive your Monthly Minimum Payment due by the Closing Date of the 
Billing Cycle in which the Payment Due Date occurs and the amount past due on your Account is more 
than $9.99 , we will apply a Late Payment Fee to your Acco unt. The Late Payment Fee is $27 if we did not 
charge a Late Payment Fee during any of the prior six billing periods. Otherw ise, the Late Payment Fee is 
$38. The Late Payment Fee will never exceed the amo unt of your most recently required Monthly 
Minimum Payment . 
 
Returned Payment Fee . If any payment on your Account is returned to us unpaid for any reason, we will 
apply a Returned Payment Fee to your Account.  The Returned Payment Fee is $ 27 if we did not c harge a 
Returned Payment Fee during any of the prior six billing periods. Otherwise,  the Returned Payment Fee is 
$38. The Returned Payment Fee will never exceed the Monthly Minimum Payment . 
 
Documentation Fee . You may request a copy of a monthly statement previously sent to you for a 
Documentation Fee of $3 per statement, which fee we will charge 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 F uture 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 1-866-502-6439 . 
 
Statement of  MAPR Federal law provides important protections to members of the Armed Forces and 
their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a 
member of the Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 
36%. This rate must include, as applicabl e to the credit transaction or a ccount: (1) the costs associated 
with credit insurance premiums; (2) fees for ancillary products sold in connection with the credit 
transaction; (3) any a pplication fee charged (other than certain application fees for sp ecified credit 
transactions or a ccounts); and (4) any participation fee charged (other than certain partic ipation fees for 
a credit card a ccount).  
 
Oral Disclosures In order to hear importan t disclosures and payment information about this Agreement, 
you may call 1 -866-875-5929.  
 
Applicability of Arbitration of Disputes Provision  
The Arbitration of Disputes Provision set forth in this Agreement does not apply to you if, as of the date 
of this  Agreement, you are a Covered Borrower.  
 
LOST ACCOUNT NUMBER AND UNAUTHORIZED USE  
 
If your Account Number is lost or stolen or used without your consent, you may be liable for the 
unauthorized use of your Account, but you will not be liable for unauthorize d use that occurs after you 
notify us orally or in writing of the loss, theft or possible unauthorized use at: Genesis FS Card Services , 
P.O. Box 4477, Beaverton, OR 97076, 1 -888-260-4532. In any case, your liability will not exceed $50.  
 
OUR RIGHTS, AND HOW THEY AFFECT YOU  
    1676 -3 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 p rerecorded messages, and use an automated telephone dialing and 
announcing system. You expressly consent that we and our agents, any servicer, or any subsequent owner 
of your Account may (i) contact you at any cellular telephone number that you provided as  part of your 
application, at any number that you later provide (including, without limitation, after your Account is in a 
default status), or at any other number that is identified as related to you, including by text message, and 
(ii) use automated telep hone 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 a bout 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 
unsolici ted 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 fo r 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: G enesis FS Card Services, PO Box 4477, Beaverton, OR 97076. You understand 
and agree that it may take up to three business days after receipt of your written notice to process your 
request, and that you consent to continued communications during this period  of time.  
 
Refunds . If Retailer agrees to give a refund, you will accept a credit on your Account instead of a cash 
refund.  
 
No Waiver of Rights; Disputed Amounts . We can accept late or partial payments without losing any of 
our rights under this Agreement. You agree not to send us partial payments marked �paid in full,� 
�without recourse,� or similar restrictive 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 tend ered 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, OR 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 C redit 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 b y writing to us at Genesis FS 
Card Services , P.O. Box 4499, Beaverton, OR 97076.  
    1676 -3 Default and Collection .  Unless prohibited by applicable law, your Account is considered to be in default 
if (1) you fail to make the required Monthly Minimum Payment due on or before its payment due date, 
including if your payment is returned or cannot be processed and you do not correct that failure within 
31 days, (2) you try to exceed or do exceed your Credit Limit without permission and do not bring your 
Account back unde r 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. Except as provided in the Arbitration 
Provision below, you agree to pay our reasonable costs and attorneys� fees and expenses related to the 
collection of your Acc ount to the extent permitted by applicable laws.  
 
Change of Terms . Subject to the limitations of applicable law, we may, at any time, change or remove 
any of the terms and conditions of, or add new terms or conditions to, this Agreement. If required by 
applicable law, we will mail written notice of such a change to you in the manner required by such law. 
As of the effective date, the changed or new terms will apply to new Purchases and to the outstanding 
balance of your Account, subject to the limitations o f applicable law.  
 
Delay in Enforcement . We can delay enforcing our rights under this Agreement without losing them.  
 
OTHER PROVISIONS  
 
Ownership and Use of Your Account . As the Accountholder(s), you are liable for all Credit obtained under 
your Account. I f you authorize another person to use your Account Number, you are liable for any Credit 
obtained on your Account for as long as that person holds or uses the Account Number. Misuse of your 
Account by an authorized person will not be considered unauthorize d use. See �Lost Account Number and  
Unauthorized Use� above.  
 
Transactions . You will retain for statement verification purposes your copy of each Purchase transaction 
receipt from Retailer.  
 
Refunds for Goods and Services . Refunds for goods and services are governed by Retailer. Any refunds 
for goods or services purchased from Retailer through an extension of Credit on your Account will be 
issued as a credit adjustment to your Account. When we are notified by Retailer of any refund amount, 
we will subtrac t an amount equal to the refund amount from your Account . However, the fixed minimum 
payment  amount attributable to the related Purchase transaction amount will continue to be included in 
your Monthly Minimum Payment . If a refund amount results in a credit  balance on your Account, we will 
refund your credit balance.  
 
Transfer and Termination of Your Account . You may not transfer your Account to any other person. We 
may assign your Account or amounts you owe on your Account  to any other person at any time and the 
assignee will take our place under the Agreement with respect to all agreements and interests transferred. 
You must pay the assignee and otherwise perform your obligations under the assigned agreements and 
interests.  Either you or we may terminate or suspend your Credit privileges at any time, with or without 
cause and with or without advance notice, but you will remain liable for all charges until they are paid in 
full. You may cancel your Account at any time by writ ing to us at Genesis FS Card Services , P.O. Box 4477, 
Beaverton, OR 97076. If you have a joint Account and want to remove one of the names from the Account, 
we must receive a written request signed by both of the Accountholders on the Account. No party is 
released from the obligation for the balance owing on a joint Account, unless we agree to the    1676 -3 arrangements in writing. You may have to re -apply for an individual Account when you request a change 
from a joint Account to an individual Account.  
 
Additional B enefits and Services . From time to time, we may offer you benefits and services with your 
Account. We or another party may provide these benefits and services. Unless expressly made a part of 
this Agreement, and except as provided in the Arbitration Provis ion 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 
service s. 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 
that other parties provide or for their actions or  omissions.  
 
Honoring Your Account . We are not liable for the failure or refusal of Retailer to accept your Account 
Number. Although you may have Credit available, we will not be liable for the failure to authorize Credit 
due to operational difficulties or  mistakes. Transactions made above a certain dollar amount may require 
that we authorize the transaction before the transaction is approved. In addition, we may limit the 
number and amount of daily transactions approved for security reasons.  
 
Change of Add ress, 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 mai ling address, place of employment, or 
telephone number.  
 
Severability . In the event that any provision of this Agreement is determined to be invalid or 
unenforceable for any reason, the remaining provisions will remain in effect.  
 
Entire Agreement; Interpretation . This Agreement (including the other documents incorporated herein 
by reference as discussed above) constitutes the final expression of the credit agreement between you 
and us relating to your Account. The headings used in this Agreement are  for the convenience of reference 
only and are not intended to define or describe the scope or intent of any portion of the Agreement.  
 
Governing Law.   Except as expressly set forth in the Arbitration of Disputes Provision in the Agreement, 
this Agreement and the interpretation and enforcement thereof (including but not limited to the 
exportation of interest rates) will be governed by Federal law that applies to us and, to the extent not 
preempted by Federal law, the laws of the State of Utah, without regar d to its conflicts of law provisions 
and principles. If there is any conflict between any of the terms and conditions of the Agreement and 
applicable Federal or State law, this Agreement will be considered changed to the extent necessary to 
comply with the  applicable law.  
 
Arbitration of Disputes Provision.  PLEASE READ THIS ARBITRATION OF DISPUTES PROVISION CAREFULLY. 
UNLESS YOU SEND US THE REJECTION NOTICE DESCRIBED BELOW, THIS PROVISION WILL APPLY TO YOUR 
ACCOUNT, AND MOST DISPUTES BETWEEN YOU, ON THE ONE  HAND, AND US OR ANY SERVICER OF YOUR 
ACCOUNT, 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 DI SPUTE; (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 A GREEMENT, 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 WH ETHER YOU ARE ENTITLED TO PROTECTION UNDER THE FEDERAL MILITARY 
LENDING ACT, YOU MAY CONTACT US AT 1-866-502-6439 . 
    1676 -3 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 , 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 arbitrat e 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 agreemen ts) 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 cour t 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 ARBITRATI ON. ALSO, YOU MAY NOT BRING CLAIMS AGAINST US OR ANY SERVICER OF YOUR ACCOUNT, 
INCLUDING, BUT NOT LIMITED TO GENESIS,  ON BEHALF OF ANY ACCOUNT HOLDER WHO IS NOT A JOINT 
ACCOUNT HOLDER WITH YOU  (AN �UNRELATED ACCOUNTHOLDER�),  AND YOU AGREE THAT NO 
UNRELATED ACCOUNT HOLDER 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 ACCOUNT HOLDER MAY NOT BE J OINED 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 O N BEHALF OF AN UNRELATED ACCOUNT HOLDER.  
 
Judgment on the arbitration award may be entered in any court having ju risdiction. 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 Acco unt, 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 no tice 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 Arbitra tion 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 Arbitr ation 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 wil l 
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 j udge 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. Al l 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.  
    1676 -3 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, B eaverton, 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 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.  
 
In your letter, give us the following information:  
� Account information: Your  name and Account Number.  
� Dollar amount: The dollar amount of the suspected error.  
� Description of problem: If you think there is an error on your bill, describe what you believe is 
wrong and why you believe it is a mistake.  
 
You must contact us:  
� Within 60 days after the error appeared on your statement.  
� At least three (3) business days before an automated payment is scheduled, if you want to stop 
payment on the amount you think is wrong.  
 
You must notify us of any potential errors in writing . You may call us, but if you do we are not required to 
investigate any potential errors, and you may have to pay the amount in question.  
 
What Will Happen After We Receive Your Letter  
 
When we receive your letter, we must do two things:  
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will  
also tell you if we have already corrected the error.  
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why  
we believe the bill is correct.  
 
While we investigate whether or not there has been an error:  
� We cannot try to collect the amount in question, or report you as delinquent on that amount.  
� The charge in question may remain on your statement, and we may continue to charge you  
interest on that amount.  
� While you do not have to pay the amount in question, you are responsible for the remainder  of 
your balance.  
� We can apply any unpaid amount against your credit line.  
 
After we finish our investigation, one of two things will happen:  
� If we made a mistake: You will not have to pay the amount in question or any interest or other  
fees related to that amount.  
� If we do not believe there was a mistake: You will have to pay the amount in question, along  with 
applicable interest and fees. We will then send you a sta tement 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.  
    1676 -3 If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling 
us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that 
you are questioning your bill. We must tell you the name of anyone to whom we reported you as 
delinquent, and we must let those organizations know  when the matter has been settled between us.  
 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question, 
even if your bill is correct.  
 
Your Rights If You Are Dissatisfied With Your Account Purchases  
If you are dissatisfied with the goods or services that you have purchased with your Account, and you 
have tried in good faith to correct the problem with the merchant, you may have the right not to pay the 
remaining amount due on the purchase.  
 
To use this ri ght, all of the following must be true:  
1. The Purchase must have been made in your home state or within 100 miles of your current mailing 
address, and the Purchase price must have been more than $50. (Note: Neither of these are 
necessary if your Purchase was  based on an advertisement we mailed to you, or if we own the 
company that sold you the goods or services.)  
2. You must have used your Account for the Purchase. Purchases made with cash advances  from an 
ATM or with a check that accesses your Account do not qualify.  
3. You must not yet have fully paid for the Purchase.  
 
If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at: 
Genesis FS Card Services , P.O. Box 4499, Beaverton, OR 97076.  
 
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.  
 
Your Genesis C redit  Account is issued by:  
 
First Electronic Bank