GENESIS CREDIT® ACCOUNT AGREEMENT

F03-W366-3 -0817

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, and;

• Contains important information about your Account.

We encourage you to read the Agreement and keep it for your records. 
Please  feel  free  to  call  us  with  any  questions  you  may  have.  We  look 
forward to serving you.

ACCOUNT AGREEMENT 

This Agreement contains the terms that govern the use of your Genesis Credit Account and outlines 
both your responsibilities and ours. In addition, any written application, acceptance certificate or 
other request you signed or otherwise submitted for this Account (the “Application”), your Card and 
the Card Carrier that we send with your Card, and your signature (including any electronic or digital 
signature) on any Application, sales slip or other evidence of indebtedness on your Account, are 
hereby incorporated into and made a part of this Agreement. This Agreement begins on the earlier of 
(i) the date you sign or otherwise submit an Application that is approved by us, or (ii) the first date 
that we extend credit to you on your Account, as evidenced by a signed sales slip or memorandum,
a Cash Advance transaction, or otherwise. 

Definitions 
To simplify this Agreement for you, the definitions listed below will apply throughout, both in this 
Agreement and in your monthly statements. In addition, the words you, your, and yours refer to 
the 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 
Mid America Bank & Trust Company. 
Account: The 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. Any sales slip or other evidence of indebtedness on your Account is 
incorporated into and made part of 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 otherwise 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 Card we issue that you may use to purchase 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. 
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 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 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. 
Retailer: Participating Home Depot locations. 

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 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 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 so, 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 

We will send a statement at the end of each monthly Billing Cycle if there is a debit or credit balance 
on your Account of $1 or more, a balance on which an interest charge has been imposed or as 
otherwise required by applicable law. You agree to pay us, or any party to whom we may transfer 
and assign your Account or the amounts owing under your Account, in U.S. dollars according to 
all  terms  and  conditions  of  this  Agreement.  Payments  made  by  a  check,  money  order  or  other 
negotiable instrument must be in a form acceptable to us and drawn on a U.S. financial institution. 

Monthly Minimum Payment. The monthly Minimum Payment is 6% of your New Balance or $50, 
whichever is greater. If you elect not to pay your New Balance in full, you must pay at least the 
monthly Minimum Payment by the Payment Due Date shown on your monthly statement, which is 
at least 25 days after the Closing Date of the Billing Cycle. Your monthly Minimum Payment also will 
include any past due amount or any amount by which the New Balance exceeds your Credit Limit, 
whichever is greater. If your New Balance is less than or equal to your monthly Minimum Payment, 
then your monthly Minimum Payment will be equal to your New Balance. 
Payments should be mailed with the payment coupon and in the envelope provided and following 
the other instructions on the monthly statement to Bankcard Services,  P.O. Box 205458, Dallas, 
TX 75320-5458. 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 normal 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 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 you 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 account. The daily 
periodic rate is the applicable APR multiplied by 1/365. The daily periodic rate for your Account is 
0.0821% and the applicable APR is 29.99%. 
When Interest Charges Begin to Accrue. Interest charges on Purchases will be imposed at the 
daily periodic rate from the date each Purchase is made, and will continue to accrue on unpaid 
balances  as  long  as  they  remain  unpaid.  However,  we  do  not  assess  interest  charges  in  the 
following circumstances: 
1.  If you paid the New Balance at the beginning of your previous Billing Cycle by the Payment Due
Date during the previous Billing Cycle, or if that New Balance was $0 or a credit balance, then: 
a.  if you pay the New Balance on your current statement in full by the Payment Due Date in your 
current Billing Cycle, we will not assess interest charges on Purchases during your current
Billing Cycle; and 

b. if you make a payment that is less than the New Balance by the Payment Due Date in your
current Billing Cycle, we will credit that payment as of the first day in your current Billing
Cycle. 

2.

If you had a New Balance at the beginning of your previous Billing Cycle and you did not pay
that New Balance by the Payment Due Date during that previous Billing Cycle, then we will not
assess interest charges on any Purchases during the current Billing Cycle if you pay the New
Balance at the beginning of your current Billing Cycle by the Payment Due Date in your current
Billing Cycle. 

How We Calculate Interest. We calculate interest on Purchases by applying the daily periodic 
rate to your average daily balance (including new Purchases), and then multiplying the resulting 
number by the number of days in the Billing Cycle for each balance segment. 
We calculate interest as follows: 
1.  For each day, we take the beginning Purchase balance in the billing cycle, including any unpaid 
interest charges, add any new Purchases 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, or other fees are not included in the daily balance.) 

2. Then,  we  add  all  the  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. 

3.  Next, we multiply the daily periodic rate by the average daily balance.
4.  Finally, we take the resulting number from #3 and multiply it by the number of days in the Billing

Cycle. This gives us the interest charge for the Billing Cycle. 

OTHER FEES 

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 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 Account. The Late Payment Fee is $27 
if we did not charge a Late Payment Fee during any of the prior six billing periods. Otherwise, the 
Late Payment Fee is $38. The Late Payment Fee will never exceed the amount 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 charge 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  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”). 

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 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 4499, Beaverton, OR 97076, (800) 304-9369. 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 or pre-
recorded messages for account management purposes, including calls made for account collection 
purposes. 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,  our  agents  and  successors  in  interest,  subject  to  any  limitations 
of  applicable  law,  may  (1)  contact  you  at  that  number  including  by  text  message,  and  (2)  use 
automated telephone dialing systems to initiate such contacts and/or leave recorded messages. For 
text messages, message and data rates may apply. 
In accordance with applicable law, we or our representatives may contact you from time to time 
regarding your 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, (800) 304-9369, or, if you receive an email from us, you can select 
the “unsubscribe” link that is located in every email. 

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 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. 

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. 

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 under your Credit Limit within 31 days, (3) you become subject 
to bankruptcy or insolvency proceedings, (4) you become subject to attachment or garnishment 
proceedings, (5) you give us any false information or signature, (6) you die, or (7) you fail to comply 
with any portion of this Agreement. Our accepting a late or partial payment does not waive default. 
Default on this Account will constitute default on all accounts you hold with us. 

. . . CONTINUED ON REVERSE

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 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 

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 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 subtract an amount equal to the refund amount from your Account. 
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 writing 
to us at Bankcard 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 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.  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  Provision  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 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 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. Except as expressly set forth in the Arbitration Provision of this 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 Missouri, including Missouri 
Revised Statutes (Chapter 408 Legal Tender and Interest) Section 408.145. 

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  AND  US 
WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR 
A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A 
CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND 
(4) APPEAL RIGHTS WILL BE LIMITED.  
This provision replaces any existing arbitration provision with us and will stay in force no matter 
what happens to your Account, including the closing of your Account. Except as expressly provided 
below, you and we must arbitrate individually, by binding arbitration under the Federal Arbitration 
Act (“FAA”), any dispute or claim between you, on the one hand, and us, our affiliates and agents, 
on the other hand, if the dispute or claim arises out of or is related to (a) this Agreement (including 
without limitation, any dispute over the validity of this Agreement to arbitrate disputes or of this 
entire Agreement), or (b) your Account, or (c) any relationship resulting from this Agreement, or 
(d) any insurance or other service related to your Account, or (e) any other agreement related to 
your Account (including prior agreements) or any such service, or (f) breach of this Agreement or 
any other such agreement, whether based on statute, contract, tort or any other legal theory (any 
“claim”). However, we will not require you to arbitrate: (1) any individual claims in small claims 
court or your state’s equivalent court, so long as it remains an individual case in that court; or (2) 
any claim by us that only involves our effort to collect money you owe us. However, if you respond 
to a collection lawsuit by claiming that we engaged in wrongdoing, we may require you to arbitrate. 
YOU  AGREE  NOT  TO  PARTICIPATE  IN  A  CLASS,  REPRESENTATIVE  OR  PRIVATE  ATTORNEY 
GENERAL ACTION AGAINST US IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS 
AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT A JOINT ACCOUNTHOLDER 
WITH YOU OR AN AUTHORIZED USER ON YOUR ACCOUNT (AN “UNRELATED ACCOUNTHOLDER”), 
AND YOU AGREE THAT NO UNRELATED ACCOUNTHOLDER MAY BRING ANY CLAIMS AGAINST 
US  ON  YOUR  BEHALF.  CLAIMS  BY  YOU  AND  AN  UNRELATED  ACCOUNTHOLDER  MAY  NOT 
BE  JOINED  IN  A  SINGLE  ARBITRATION.  THE  ARBITRATOR  WILL  NOT  HAVE  THE  POWER  TO 
CONSIDER  SUCH  CLASS,  REPRESENTATIVE  OR  PRIVATE  ATTORNEY  GENERAL  ACTIONS  OR 
ANY SUCH CLAIMS YOU BRING ON BEHALF OF AN UNRELATED ACCOUNTHOLDER. 
Judgment on the arbitration award may be entered in any court having jurisdiction. Any dispute 
regarding  whether  a  particular  controversy  is  subject  to  arbitration,  or  the  applicability  or 
enforceability of the foregoing paragraph, will be decided by a court and not by an arbitrator. If 
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. 
If you or we elect to arbitrate a claim, the electing party must notify the other party in writing. The 
notice can be given after the beginning of a lawsuit and can be given in papers filed in the lawsuit. 
Otherwise,  your  notice  must  be  sent  to  Bankcard  Services,  Attn:  Arbitration  Demand,  P.O.  Box 
4477, Beaverton, Oregon 97076, and our notice must be sent to the most recent address for you 
in our files. The arbitration will be administered by the American Arbitration Association (the “AAA”) 
under its rules in effect at the time an arbitration is commenced that are applicable to the resolution 
of consumer disputes (the “Arbitration Rules”). We will tell you how to contact the AAA and how 
to get a copy of the Arbitration Rules without cost if you ask us in writing to do so. The Arbitration 
Rules permit you to request deferral or reduction of the administrative fees of arbitration if paying 
them would cause you a hardship. In addition, if you ask us in writing, we will consider your request 
to pay any or all of your costs of arbitration. 
Each arbitrator shall be a licensed attorney who has been engaged in the private practice of law 
continuously during the ten years immediately preceding the arbitration or a retired judge of a court 
of general or appellate jurisdiction. The arbitration award shall award only such relief as a court 
of competent jurisdiction could properly award under applicable law, including attorneys’ fees if 
allowed by applicable law or agreement, 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. 
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, representative or private attorney general claims in arbitration is deemed unenforceable, then 
this entire Arbitration Agreement shall be void and of no force and effect. 
You may reject this provision, in which case only a court may be used to resolve any dispute or 
claim. Rejection will not affect any other aspect of the Account Agreement. To reject this Provision, 
you must send us a notice within 60 days after you open your Account or we first provide you with 
a right to reject this Provision. This notice must include your name, address and Account Number 
and be mailed to Bankcard Services, Attn: Arbitration Provision, P.O. Box 4477, Beaverton, Oregon 
97076. This is the only way you can reject this Provision. 

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You 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. 
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 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 credit card, and 
you have tried in good faith to correct the problem with the merchant, you may have the right not to 
pay the remaining amount due on the Purchase. 
To use this right, all of the following must be true: 

1.  The Purchase must have been made in your home state or within 100 miles of your current 
mailing address, and the Purchase price must have been more than $50. (Note: Neither of 
these are necessary if your Purchase was based on an advertisement we mailed to you, or 
if we own the company that sold you the goods or services.) 

2.  You must have used your 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. 
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. 

MILITARY LENDING ACT  
(APPLICABLE ONLY TO ACCOUNTS OPENED ON OR AFTER OCT. 3, 2017) 

This section of the Agreement applies only to Accounts opened on or after October 3, 2017. 
If you would like to know when you opened your Account, please call us at 1-866-502-6439. 
The federal Military Lending Act provides protections for certain members of the Armed Forces and 
their dependents (“Covered Borrowers”). The following provisions of this section apply to Covered 
Borrowers: 

Checking Your Covered Borrower Status. If you would like more information about whether you 
are a Covered Borrower entitled to protection under the Military Lending Act, 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 applicable to the credit transaction or account: 
(1) the costs associated with credit insurance premiums; (2) fees for ancillary products sold in 
connection with the credit transaction; (3) any application fee charged (other than certain application 
fees for specified credit transactions or accounts); and (4) any participation fee charged (other than 
certain participation fees for a credit card account). 

Oral  Disclosures.  In  order  to  hear  important  disclosures  and  payment  information  about  this 
Agreement, you may call 1-866-875-5929. 

Applicability of Arbitration of Disputes Provision. The Arbitration of Disputes Provision set forth 
in this Agreement does not apply to you if, as of the date of this Agreement, you are a Covered 
Borrower.

Your Genesis Credit Account is issued by: 
Mid America Bank & Trust Company 
216 West 2nd Street 
Dixon, MO 65459 

F03-W366-3 -0817