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Genesis Credit™Account Agreement

F03-L971-4 -1211   CP11-96272

Dear Accountholder:
This Account Agreement, along with your Application, Account Opening
Disclosures  and  the  written  materials  containing  the  terms  of  our
agreement  with  you  described  in  the  next  paragraph  (collectively,  the
“Agreement”), is your contract concerning the use of your Account. The
Agreement contains certain disclosures required by the Federal Truth in
Lending  Act,  along  with  important  information  about  your  Account.  We
encourage you to read all of the Agreement and keep it for your records.
Please  feel  free  to  call  us  with  any  questions  you  may  have.  We  look
forward to serving you.

ACCOUNT AGREEMENT

This Agreement contains the terms that govern the use of your Genesis Credit Account and
outlines both your responsibilities and ours. Please read it in its entirety and keep it for your
reference. In addition, any written application, acceptance certificate or other request you
signed  or  otherwise  submitted  for  this  Account  (the  “Application”),  and  your  signature
(including  any  electronic  or  digital  signature)  on  any  Application,  sales  slip  or  other
evidence of indebtedness on your Account, are hereby incorporated into and made a part
of  this  Agreement.  This  Agreement  begins  on  the  earlier  of  (i)  the  date  you  sign  or
otherwise submit an Application that is approved by us, or (ii) the first date that we extend
credit to you on your Account, as evidenced by a signed sales slip or other evidence of
indebtedness.

Definitions
To simplify this Agreement for you, the definitions listed below will apply throughout, both
in this Agreement and in your monthly statements. In addition, the words you, your, and
yours refer to the Accountholder(s) who holds the Account Number and is responsible for
the Account, each of whom is individually and jointly obligated under this Agreement. The
words we, us, and our refer to Mid America Bank & Trust Company, Dixon, Missouri. 
Account: The Genesis Credit Account for which you were issued a Card imprinted with
your  Account  Number  and  that  is  subject  to  all  of  the  terms  and  conditions  of  this
Agreement.
Account Number: The Account Number issued by us that you may use to make Purchases
from Provider. Use of your Account Number to obtain credit will be considered a use of the
Account.
Accountholder: The person to whom an Account Number is issued, or who has agreed to
pay obligations arising from an Account Number issued to another person.
Billing  Cycle:  The  time  interval  covered  by  a  monthly  statement.  Each  Billing  Cycle  is
approximately 30 days in length.
Card: Any Genesis Credit branded Card issued by us that you may use to purchase goods
or services from Provider. Use of your Account Number to obtain credit will be considered
use of the Card.
Closing Date: The date of the last day of a Billing Cycle.
Credit  Line: The  maximum  amount  of  credit  available  to  you  on  your  Account.  Your
Account Credit Line will be disclosed to you on the Card carrier and monthly statements.
New Balance: The total outstanding Account balance on the Closing Date specified in your
monthly statement.
Previous Balance: The balance of your Account at the beginning of a Billing Cycle. This will
be the same as the “New Balance” shown on your previous bill.
Purchase: An extension of credit to your Account for the purpose of purchasing goods or
services from Provider.
Purchase Balance: The total outstanding balance of Purchases and INTEREST CHARGES
including  applicable  Promotion  Period  Deferred  INTEREST  CHARGES charged  to  your
Account as of each Closing Date. 
Regular Balance: The total outstanding balance of all amounts other than Purchases and
INTEREST  CHARGES that  are  not  Promotion  Period  Deferred  INTEREST  CHARGES
charged to your Account as of each Closing Date.
Provider: Any participating Aspen Dental location.
Promotion Period: For each Purchase, the period beginning on the date of Purchase and
ending 12 months after the date of such Purchase.
Promotion Period Balance: Each Purchase charged to your Account that is in a Promotion
Period.
Promotion  Period  Deferred  INTEREST  CHARGE: An  amount  equal  to  the  INTEREST
CHARGES that would have accrued on a deferred interest promotion balance if no deferred
interest promotion was in effect on such balance for all prior Billing Cycles.

Account the next banking day. Please allow at least seven (7) business days for postal
delivery. Payments received by us at any other location or in any other form may not be
credited as of the day we receive them. If we accept a payment at some other place, we
may delay the crediting of the payment for up to five (5) days. This may cause you to incur
Late Payment Fees and additional INTEREST CHARGES, and may result in your Account
being declared in default.
When you provide a check as payment, you authorize us either to use information from
your check to make a one-time electronic fund transfer from your account or to process
the payment as a check transaction. When we use information from your check to make
an electronic fund transfer, funds may be withdrawn from your account as soon as the
same day we receive your payment and you will not receive your check back from your
financial institution. 
At  any  time  you  may  pay  part  or  all  of  the  full  amount  you  owe  without  incurring  any
additional charge for prepayment. The amount of any payment that exceeds your total New
Balance will be applied as a credit to your Account, and any remaining credit balance will
be refunded as required by law. 
Credit availability may be delayed at our sole discretion to ensure payment in good funds,
and your total Credit Line may not reflect your payments for up to 14 days. 

Application of Payments
For each Billing Cycle, payments up to the amount of your monthly Minimum Payment Due
will be allocated to charges and principal due (including new transactions) in any way we
determine. We will generally apply payments up to the amount of your monthly Minimum
Payment Due in a manner most favorable or convenient for us. 
For  each  Billing  Cycle,  to  the  extent  your  payments  exceed  your  monthly  Minimum
Payment Due, we will apply these excess amounts in the order required by applicable law.
However, during the last two Billing Cycles in which a Promotion Period Balance that is still
subject to a promotion remains outstanding, we will apply these excess amounts to the
Promotion Period Balance. 

Security Interest
If we now, or in the future, hold any title, pledge or security interest in any of your
property other than your principal residence, it may be that the terms of the instrument
creating such title, pledge or security interest will also secure your obligations on this
Account.

HOW INTEREST CHARGES ARE DETERMINED

Calculating the Purchase Balance subject to INTEREST CHARGES
Your  INTEREST  CHARGE for  any  Billing  Cycle  will  include  Periodic  INTEREST  CHARGE
amounts computed by applying the applicable Daily Periodic Rate, determined as provided
below  under  “Computing  the  Purchase  Balance  Daily  Periodic  Rate  and  Corresponding
ANNUAL  PERCENTAGE  RATE  (APR)”,  to  your  Average  Daily  Balance  (including  new
Purchases), determined as provided below under “Average Daily Balance (including new
Purchases),  and  multiplying  the  resulting  number  by  the  number  of  days  in  the  Billing
Cycle. 

When INTEREST CHARGES Begin to Accrue: Unless a Promotion Period is in effect (see
below), INTEREST CHARGES will be imposed at the applicable Daily Periodic Rate from
the date each Purchase is made, and will continue to accrue on unpaid balances as long
as they remain unpaid. 

Average Daily Balance (including new Purchases): To get the Average Daily Balance, we
take the beginning Purchase Balance (excluding any Purchases in a Promotion Period) of
your Account each day, including unpaid INTEREST CHARGES, add any new Purchases
as  of  the  date  of  transaction,  and  subtract  the  applicable  portion  of  any  payments  and
credits as of the transaction date. This gives us the daily balance. Then we add all these
daily balances for the Billing Cycle together and divide the total by the number of days in
the Billing Cycle. This gives us the Average Daily Balance. 

Computing  the  Purchase  Balance  Daily  Periodic  Rate  and  Corresponding  ANNUAL
PERCENTAGE  RATE  (APR): The  Daily  Periodic  Rate  that  applies  to  your  Account  is
0.0739% and the corresponding ANNUAL PERCENTAGE RATE is 26.99%.

Promotion Period Balance: A Promotion Period Balance will not accrue any INTEREST
CHARGES if you repay the Promotion Period Balance in full within 12 months after the date
of Purchase. If a Promotion Period Balance is not repaid in full within 12 months after the
date  of  Purchase,  we  will  add  to  your  Account  an  amount  equal  to  the  INTEREST
CHARGES that would have accrued on the Promotion Period Balance for all prior Billing
Cycles. The periodic rate and corresponding ANNUAL PERCENTAGE RATE that will apply
to that amount are set out immediately above. The Account statement we send to you each
month will help you keep track of your Promotion Period Balance and when the 12 month
promotion period will end.

USING YOUR ACCOUNT

OTHER FEES

Purchases
You may use your Account to purchase goods or services from Provider. You promise to
pay us and are liable for all amounts resulting from the authorized use of your Account
Number  or  Account,  plus  any  applicable  INTEREST  CHARGES and  other  applicable
charges or fees, payable in U.S. dollars. 

Your Credit Line
You may not use your Account in any way that would cause you to go over your Credit
Line. We may refuse to authorize or accept any transaction on your Account that would
cause you to exceed your Credit Line or if your Account is delinquent. We may temporarily
agree to allow you to exceed your Credit Line; however, in that case you must repay the
excess  amount  according  to  the  terms  of  this  Agreement.  Any  transactions  honored  in
excess of your Credit Line will not result in an increase of your Credit Line.

MAKING PAYMENTS

Monthly Statements
We will send a statement at the end of each monthly Billing Cycle if there is a debit or credit
balance on your account of $1 or more, a balance on which an INTEREST CHARGE has
been imposed or as otherwise required by applicable law. You agree to pay us, or any party
to  whom  we  may  transfer  and  assign  your  Account  or  the  amounts  owing  under  your
Account, in U.S. dollars according to all terms and conditions of this Agreement. Payments
made  by  a  check,  money  order  or  other  negotiable  instrument  must  be  in  a  form
acceptable to us and drawn on a U.S. financial institution.

Minimum Payment Due
Each Purchase transaction will have a fixed minimum payment amount determined based
on the following schedule:

In addition to INTEREST CHARGES, other fees may be applied to your Account, as set
forth below. The amounts of these fees may change from time to time during the term of
your Account.

Late Payment Fee
If we do not receive your monthly Minimum Payment Due by the Closing Date of the Billing
Cycle in which the Payment Due Date occurs and the amount past due on your Account
is more than $5, we will apply a Late Payment Fee to your Account. The Late Payment Fee
is  $25  if  you  were  not  charged  a  Late  Payment  Fee  during  any  of  the  prior  six  billing
periods. Otherwise, the Late Payment Fee is $35. The Late Payment Fee will never exceed
the amount of your most recently required monthly Minimum Payment Due.

Returned Payment Fee
If any payment on your Account is returned to us unpaid for any reason, we will apply a
Returned Payment Fee to your Account. The Returned Payment Fee is $25 if you were not
charged a Returned Payment Fee during any of the prior six billing periods. Otherwise, the
Returned Payment Fee is $35. The Returned Payment Fee will never exceed the monthly
Minimum Payment Due.

Documentation Fee
You may request a copy of a statement previously sent to you for a Documentation Fee of
$3 per statement, which will be applied to your Account. Copies of sales tickets or other
items posted to your Account may be obtained for a Documentation Fee of $10 per sales
ticket or other item, which will be applied to your Account. Notwithstanding the foregoing,
we will not impose any fee in connection with a good faith assertion of a billing error or
other  exercise  of  your  Billing  Rights  (see  below  under  “Your  Billing  Rights  -  Keep  This
Notice for Future Use”).

Purchase Transaction Amount

Fixed Minimum Payment Amount

LOST ACCOUNT NUMBER AND UNAUTHORIZED USE

Up to $500

$500.01 to $1000

$1000.01 to $1500

$1500.01 to $2000

$2000.01 to $2500

$2500.01 to $3000

$3000.01 to $3500

$3500.01 to $4000

$4000.01 to $4500

$4500.01 to $5000

$25

$50

$75

$100

$125

$150

$175

$200

$225

$250

Your monthly Minimum Payment Due will be the greater of (1) $15 or (2) the sum of (x)
the sum of the fixed minimum payment amounts applicable to your Purchase transactions,
and (y) 5% of your Regular Balance. Your monthly Minimum Payment Due also will include
any past due amount or any amount by which the New Balance exceeds your Credit Line,
whichever of these two is greater. Your monthly Minimum Payment Due will never exceed
your New Balance.
If  you  elect  not  to  pay  your  New  Balance  in  full,  you  must  pay  at  least  the  monthly
Minimum Payment Due by the “Payment Due Date” shown on your statement, which is at
least 25 days after the Closing Date of the Billing Cycle.
Payments should be mailed with the payment coupon and in the envelope provided and
following the other instructions on the statement to Bankcard Services, P.O. Box 84049,
Columbus, GA, 31908-4049. Any payment received in that form and at that address on or
before 5:00 P.M. Eastern Time on a normal banking day will be credited to your Account
that day. If your payment is received in that form and at that address after 5:00 P.M. Eastern
Time on a normal banking day, or any time on a non-banking day, we will credit it to your

If your Account Number is lost or stolen or used without your consent, you may be liable
for the unauthorized use of your Account, but you will not be liable for unauthorized use
that occurs after you notify us orally or in writing of the loss, theft or possible unauthorized
use at: Bankcard Services, P.O. Box 4477, Beaverton, OR 97076-4477, 1-888-260-4532.
In any case, your liability will not exceed $50.

OUR RIGHTS, AND HOW THEY AFFECT YOU

Telephone Monitoring and Recording 
You consent and agree that, from time to time, except as restricted by applicable law, we
may  monitor  or  record  telephone  calls  regarding  your  Account,  suppress  caller
identification  services  and  use  an  automated  dialing  and  announcing  system.  If  you
provide us with a cellular phone number either as part of your application, or at any time
thereafter, including, without limitation, after your Account is in a default status, you are
expressly consenting that we and our agents may (i) contact you at that number including
by  text  message,  and  (ii)  use  automated  telephone  dialing  systems  to  initiate  such
contacts and/or leave recorded messages.
We or our representatives may contact you from time to time regarding the Account, or to
ask for additional information about you or your experience with us. You agree that such
contacts  are  not  unsolicited  and  may  include  contacts  at  your  home  or  place  of
employment,  during  weekdays,  weekends  or  holidays,  on  your  mobile  telephone,
voicemail  or  answering  machine,  or  by  email,  fax,  recorded  message,  text  message  or
personal visit.

Email 
If you provide us at any time with an email contact for your Account, you agree we may
use that email address to contact you about your Account and may send you information
about products and services related to your Account. If, at any time, you would like to limit
the types of communications you receive from us by email, please contact us at Bankcard
Services, P.O. Box 4477, Beaverton, OR 97076-4477, 1-866-293-1661, or, if you receive
an email from us, you can select the “unsubscribe” link that is located in every email.

. . . CONTINUED ON REVERSE

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Refunds
If Provider agrees to give a refund, you will accept a credit on your Account instead of a
cash refund.

No Waiver of Rights; Disputed Amounts
We  can  accept  late  or  partial  payments  without  losing  any  of  our  rights  under  this
Agreement. You agree not to send us partial payments marked “paid in full,” “without
recourse,” or similar language. If you send such a payment, we may accept it without
losing any of our rights under this Agreement. All written communications concerning
disputed amounts, including any check or other payment instrument that indicated that
the payment constitutes “payment in full” of the amount owed or that is tendered with
other  conditions  or  limitations  or  as  full  satisfaction  of  a  disputed  amount,  must  be
mailed or delivered to Bankcard Services, P.O. Box 4499, Beaverton, OR 97076-4499.

Credit Reports and Information
You  authorize  us  to  make  or  have  made  any  credit,  employment,  or  other  investigative
inquiries we deem appropriate to extend you credit or collect amounts owed to us on your
Account. We (including any assignee of the Account or amounts owing under the Account)
may also obtain information about you from credit reporting agencies or others at any time
and use it for the purposes of monitoring your credit performance, managing your Account
and considering you for new offers and programs. 

Notice of Inaccurate Information
If  you  believe  that  we  have  information  about  you  that  is  inaccurate  or  that  we  have
reported  or  may  report  to  a  credit  reporting  agency  information  about  you  that  is
inaccurate, please notify us of the specific information that you believe is inaccurate by
writing to us at Bankcard Services, P.O. Box 4499, Beaverton, OR 97076-4499.

Default and Collection
Unless prohibited by applicable law, your Account is considered to be in default if (1) you
fail to make the required monthly Minimum Payment Due on or before the Payment Due
Date, including if your payment is returned or cannot be processed and you do not correct
that failure within 31 days, (2) you try to exceed or do exceed your Credit Line without
permission and do not bring your Account back under your Credit Line within 31 days, (3)
you become subject to bankruptcy or insolvency proceedings, (4) you become subject to
attachment  or  garnishment  proceedings,  (5)  you  give  us  any  false  information  or
signature, (6) you die, or (7) you fail to comply with any portion of this Agreement. Our
accepting a late or partial payment does not waive default. Default on this Account will
constitute default on all accounts you hold with us. 
Subject to any notice of default and right to cure or other restrictions of applicable law, if
you are in default, we may declare the entire balance due immediately. You agree to pay
our reasonable costs and attorneys’ fees and expenses related to the collection of your
Account to the extent permitted by applicable laws.

Change of Terms
Subject to the limitations of applicable law, we may, at any time, change or remove any
of the terms and conditions of, or add new terms or conditions to, this Agreement. If
required by applicable law, we will mail written notice of such a change to you in the
manner required by such law. As of the effective date, the changed or new terms will
apply to new Purchases and to the outstanding balance of your Account, subject to the
limitations of applicable law.

Delay in Enforcement
We can delay enforcing our rights under this Agreement without losing them.

OTHER PROVISIONS

Account Activation
If you are issued an Account and do not use it to make a Purchase from Provider within
four months from the date of issuance, we reserve the right to terminate the ability to use
the Account and decline to open another Account for you. 

Ownership and Use of Your Account
As the Accountholder(s), you are liable for all credit obtained under your Account. If you
authorize  another  person  to  use  your  Account  Number,  you  are  liable  for  any  credit
obtained on your Account for as long as that person holds or uses the Account Number.
Misuse of your Account by an authorized person will not be considered unauthorized use.
See “Lost Account Numbers and Unauthorized Use” above. 

Transactions
You will print and retain for statement verification your copy of each Purchase transaction
from Provider.

Refunds for Goods and Services
Refunds  for  goods  and  services  are  governed  by  Provider.  Any  refunds  for  goods  or
services purchased from Provider through an extension of credit on your Account will be
issued as a credit adjustment to your Account. When we are notified by Provider of any
refund amount, we will subtract an amount equal to the refund amount from your Purchase
Balance. However, the fixed minimum payment amount attributable to the related Purchase
transaction amount will continue to be included in your monthly Minimum Payment Due.
If a refund amount results in a credit balance on your Account, we will refund your credit
balance.

Transfer and Termination of Your Account
You may not transfer your Account to any other person. We may assign your Account or
amounts owing under your Account to any other person at any time and the assignee will
take  our  place  under  the  Agreement  with  respect  to  all  agreements  and  interests
transferred. You must pay the assignee and otherwise perform your obligations under the
assigned agreements and interests. Either you or we may terminate or suspend your credit
privileges at any time, with or without cause and with or without advance notice. However,
you will remain liable for all charges until they are paid in full. You may cancel your Account
at any time by writing to us at Bankcard Services, P.O. Box 4477, Beaverton, OR 97076-
4477. If you have a joint Account and want to remove one of the names from the Account,
we must receive a written request signed by both of the Accountholders on the Account.
No party is released from the obligation for the balance owing on a joint Account, unless
we  agree  to  the  arrangements  in  writing.  You  may  have  to  re-apply  for  an  individual
Account when you request a change from a joint Account to an individual Account.

Additional Benefits and Services
From time to time, we may offer you benefits and services with your Account. These benefits
and services may be provided by us or third parties. Unless expressly made a part of this
Agreement, and except as provided in the Arbitration of Disputes section below, any such
benefits and services are not a part of this Agreement, and are subject only to the terms and
conditions outlined in the benefits or services brochure and other official documents provided
to you with respect to the benefits and services. We may adjust, add, or delete benefits or
services at any time in accordance with the brochures or documents you receive. Except as
required by applicable law, we are not liable for benefits or services provided by third parties
or the actions or omissions of those third parties.

Honoring Your Account
We  are  not  liable  for  the  failure  or  refusal  of  Provider  to  accept  your  Account  Number.
Although you may have credit available, we will not be liable for the failure to authorize
credit due to operational difficulties or mistakes. Transactions made above a certain dollar
amount  may  require  authorization  by  us  before  the  transaction  can  be  approved.  In
addition, we may limit the number and amount of daily transactions approved for security
reasons.

Change of Address, Employment and Telephone
We  will  send  all  written  notices  and  statements  to  your  address  as  it  appears  on  our
records. To avoid delays and missed payments that could affect your credit standing, you
agree to promptly advise us if you change your mailing address, place of employment, or
telephone number.

Severability
In  the  event  that  any  provision  of  this  Agreement  is  determined  to  be  invalid  or
unenforceable for any reason, the remaining provisions will remain in effect.

Entire Agreement; Interpretation
This  Agreement  (including  the  other  documents  incorporated  herein  by  reference  as
discussed above) constitutes the final expression of the credit agreement between you and
us relating to your Account. The headings used in this Agreement are for the convenience
of  reference  only  and  are  not  intended  to  define  or  describe  the  scope  or  intent  of  any
portion of the Agreement.

Governing Law
This Agreement and your Account, and all aspects of the relationship between you and
us, are governed by and construed in accordance with federal law and, to the extent
that state law applies, the laws of the State of Missouri.

Arbitration of Disputes
Except as expressly provided below, any controversy that arises out of or is related to
(a) this Agreement (including without limitation, any dispute over the validity of this
Agreement to arbitrate disputes or of this entire Agreement), or (b) your Account, or
(c)  any  relationship  resulting  from  this  Agreement,  or  (d)  any  insurance  or  other
service related to your Account, or (e) any other agreement related to your Account

(including prior agreements) or any such service, or (f) breach of this Agreement or
any other such agreement, whether based on statute, contract, tort or any other legal
theory,  in  which  the  aggregate  amount  in  controversy  for  all  claimants  exceeds
$15,000  including  interest  and  attorneys’  fees  (any  “Claim”)  will  be  settled  on  an
individual basis by binding arbitration under the Federal Arbitration Act (“FAA”). This
is also binding on any successor or transferee of your Account. 
Judgment on the arbitration award may be entered in any court having jurisdiction. Any
dispute regarding whether a particular controversy is subject to arbitration will be decided
by the arbitrator(s). If any part of the damages or other relief requested is not expressly
stated as a dollar amount, the controversy will be a Claim that is subject to arbitration. You
and we acknowledge and agree that the transactions contemplated by this Agreement, and
any controversy that may arise under or relate to this Agreement, your Account, or the
services or other agreements described above, involve “commerce” as that term is defined
and used in the FAA. 
The arbitration will be administered by the American Arbitration Association (the “AAA”)
under its rules in effect at the time an arbitration is commenced that are applicable to the
resolution of consumer disputes (the “Arbitration Rules”). We will tell you how to contact
the AAA and how to get a copy of the Arbitration Rules without cost if you ask us in writing
to  do  so.  The  Arbitration  Rules  permit  you  to  request  deferral  or  reduction  of  the
administrative fees of arbitration if paying them would cause you a hardship. In addition, if
you  ask  us  in  writing,  we  will  consider  your  request  to  pay  any  or  all  of  your  costs  of
arbitration.
Each arbitrator shall be a licensed attorney who has been engaged in the private practice
of law continuously during the ten years immediately preceding the arbitration or a retired
judge of a court of general or appellate jurisdiction. The arbitration award shall award only
such relief as a court of competent jurisdiction could properly award under applicable law,
including attorneys’ fees if allowed by applicable law or agreement, and may award to the
prevailing party all pre- and post-award expenses of arbitration. All statutes of limitation,
defenses, and attorney-client and other privileges that would apply in a court proceeding
will apply in the arbitration. The filing of a demand for arbitration in accordance with the
Arbitration  Rules  will  be  deemed  the  commencement  of  an  action  for  purposes  of  any
applicable statute of limitations. There will be no class Claims–Claims by or on behalf of
other persons will not be considered in or consolidated with the arbitration proceedings
between you and us, and the arbitrator will have no power to consider any such Claims by
or on behalf of other persons. 
This Agreement does not limit the right of you or us whether before, during or after the
pendency of any arbitration proceeding, to exercise self-help remedies such as set-off or
repossession  and  sale  of  collateral,  or  to  obtain  provisional  or  ancillary  remedies  or
injunctive or other traditionally equitable relief (other than a stay of arbitration) necessary
to  protect  the  rights  or  property  of  the  party  seeking  relief  pending  the  arbitrator’s
determination of the merits of the Claim. The taking of any of the actions described in the
preceding sentence by either party or the filing of a court action by a party shall not be
deemed  to  be  a  waiver  of  the  right  to  demand  arbitration  of  any  Claim  asserted  as  a
counterclaim  or  the  like  in  response  to  any  such  action.  This  Agreement  to  arbitrate
disputes will survive the closing of your Account and the termination of your Agreement
with us.
If  any  provision  of  this  Section  regarding  arbitration  of  disputes  shall  be  deemed  to  be
unenforceable, the remainder of this Section shall be given full force and effect. However,
if the provision precluding class Claims in arbitration is deemed unenforceable, then this
entire Arbitration Agreement shall be void and of no force and effect.
Please  read  this  arbitration  agreement  carefully.  It  limits  or  waives  certain  of  your
rights.  With  respect  to  Claims  that  you  are  agreeing  to  arbitrate  pursuant  to  this
Agreement, you are waiving your right to bring a court action and to have a jury trial.
There  will  be  no  class  Claims  in  arbitration.  Discovery  may  be  more  limited  in
arbitration than in a court proceeding, and the right and grounds to appeal from an
arbitrator’s award are more limited than in an appeal from a court judgment. Certain
other rights you have in a court proceeding also may not be available in arbitration.

YOUR BILLING RIGHTS –
KEEP THIS NOTICE FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, please write to us at: Bankcard Services, P.O.
Box 4499, Beaverton, OR 97076-4499.
In your letter, provide us with the following information:

• Account information: Your name and Account Number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what you

believe is wrong and why you believe it is a mistake.

You must contact us:

• Within 60 days after the error appeared on your statement.
• At least three (3) business days before an automated payment is scheduled, if you

want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do we are
not  required  to  investigate  any  potential  errors,  and  you  may  have  to  pay  the  amount  in
question.

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter.

We will also tell you if we have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error or explain to

you why we believe the bill is correct.

While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question, or report you as delinquent on that

amount.

• The charge in question may remain on your statement, and we may continue to charge

you interest on that amount.

• While  you  do  not  have  to  pay  the  amount  in  question,  you  are  responsible  for  the

remainder of your balance.

• We can apply any unpaid amount against your Credit Line.
After we finish our investigation, one of two things will happen:

• If we made a mistake: You will not have to pay the amount in question or any interest

or other fees related to that amount.

• If we do not believe there was a mistake: You will have to pay the amount in question,
along  with  applicable  interest  and  fees.  We  will  then  send  you  a  statement  of  the
amount you owe and the date payment is due. We may then report you as delinquent
if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within
10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent
without also reporting that you are questioning your bill. We must tell you the name of anyone
to whom we reported you as delinquent, and we must let those organizations know when the
matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount
you question, even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Account Purchases
If you are dissatisfied with the goods or services that you have purchased with your Account,
and you have tried in good faith to correct the problem with the merchant, you may have the
right not to pay the remaining amount due on the Purchase.
To use this right, all of the following must be true:

1. The Purchase must have been made in your home state or within 100 miles of your
current mailing address, and the purchase price must have been more than $50. (Note:
Neither of these are necessary if your Purchase was based on an advertisement we
mailed to you, or if we own the company that sold you the goods or services.)

2. You  must  have  used  your  Account  for  the  Purchase.  Purchases  made  with  cash
advances from an ATM or with a check that accesses your Account do not qualify.

3. You must not yet have fully paid for the Purchase.

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us
in writing at: Bankcard Services, P.O. Box 4499, Beaverton, OR 97076-4499.
While we investigate, the same rules apply to the disputed amount as discussed above. After
we finish our investigation, we will tell you our decision. At that point, if we think you owe an
amount and you do not pay, we may report you as delinquent.

Your Genesis Credit Account is issued by:
Mid America Bank & Trust Company
216 West 2nd Street
Dixon, MO 65459

F03-L971-4 -1211   CP11-96272