How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
                                                                                                                           �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
                                                                                                                           additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
                                                                                                                                                                   carrier that we send with your Card, any automatic payment plan 
                                                                                                                           Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
                                                                                                                           how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
                                                                                                                           conditions below.                       that we send to you with your Agreement, any special credit terms 
                                                                                                                                                                   disclosures in the initial solicitation letter that we sent you and any 
                                                                                                                           Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
                                                                                                                           Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
                                                                                                                           published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
                                                                                                                           the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
                                                                                                                           day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
                                                                                                                           period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
                                                                                                                           Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
                                                                                                                           and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
                                                                                                                           interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
                                                                                                                           greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
                                                                                                                           period immediately following the publication of the changed Prime 
                                                                                                                           Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
                                                                                                                           percentage rate of 36%.                 your use of the Account, or any payment made on the Account, 
                                                                                                                                                                   evidences your acceptance of the terms of this Agreement.
                                                                                                                           Margins and Monthly Periodic Rates with Corresponding APRs:
                                                                                                                                                                   USING YOUR ACCOUNT You can use your Card to purchase or 
       CARDHOLDER                                                                                                                                                  lease goods or services (including mail, telephone and electronic 
                                                                                                                                                                   orders) from participating establishments (each a �Purchase�) up to 
                                                                                                                                                                   any credit limit we may establish for you (your �Credit Limit�). You can 
        AGREEMENT                                                                                                                                                  also use your Card to obtain a cash loan (�Cash Advance�) by 
                                                                                                                                                                   presenting your Card to any institution that accepts the Card for that 
                                                                                                                                                                   purpose or by making a withdrawal of cash at an ATM. Transactions 
                                                                                                                                                                   made with your Account for things like money orders, deposits, wire 
                                                                                                                                                                   transfer money orders, travelers cheques, foreign currency and other 
       NY RESIDENTS: RETAIL                                                                                                                                        similar transactions, will be treated as Cash Advances. From time to 
                                                                                                                                                                   time, we may also permit you to obtain credit from us by making a 
        INSTALMENT CREDIT                                                                                                                                          payment to another creditor of yours (�Balance Transfer�) using 
                                                                                                                                                                   forms or other means provided by us. Except as otherwise 
           AGREEMENT                                                                                                                                               specifically provided in this Agreement, a Balance Transfer generally 
                                                                                                                                                                   is treated as a Cash Advance, but the fees that may be imposed at 
                                                                                                                                                                   the time of transfer may differ from those applicable to Cash 
                                                                                                                                                                   Advances. You may use your Account only for personal, family, or 
                                                                                                                                                                   household purposes. You may not use your Card or your Account for 
                                                                                                                                                                   any illegal transaction or any gambling transaction. We may decline 
                                                                                                                                                                   transactions for any reason, including, but not limited to, operational 
   U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS:                                                                                                                 matters, default, or suspected fraudulent or unlawful activity. 
   The provisions titled �Using Your Account,� �Postdated Checks,                                                          Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
   Restrictive Endorsements Checks and Other Disputed or Qualified                                                         the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
                                                                                                                           are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
   Payments,� �Changes in Terms,� �Assignment; Transfers,� 
                                                                                                                                                                   difficulties or mistakes. We may limit the number and amount of 
   �Arbitration Provision� and �Billing Rights Notice.�                                                                    GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
                                                                                                                           use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
                                                                                                                           Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
   The Truth in Lending Act Disclosures below are part of your                                                             �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
   Cardholder Agreement and contain important information                                                                  member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
                                                                                                                           and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
   about current rates and fees applicable to your Account. See 
                                                                                                                           person whowas approved for the Account and, as appropriate, all  malfunctions.
   the remaining Agreement for additional terms and conditions                                                             persons authorized to use the Account. �Application� refers to any (i) 
   governing your Account and for definitions of terms used                                                                written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
                                                                                                                           otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
   herein. Disclosures are accurate as of June 2016.
   Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
   under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
   payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
   only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
                                           attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
   YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
   that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
   authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
   cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
   Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
   general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
   pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
   increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
   received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
   receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
   can vary depending on how your payment is cleared.                              withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
                                           You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
   Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
   you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
   change (to set, increase, decrease or remove) the Credit Limit for  Account.    Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
   your Account from time to time in accordance with this Agreement                payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
   and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
   without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
   including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
   record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
   established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
   in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
   account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
                                           Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
   If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
   appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
   on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
   Credit Limit increase requests.         history.                                that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
                                                                                   Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
   You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
   concerning the status of your Account.  cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
                                           Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
   SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
   connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
   certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
   may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
   terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
   enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
   acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
   offer, which terms may modify or differ from the regular terms of this          you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
   Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
   necessary and all terms of this Agreement will remain applicable                in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
   except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
   offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
   as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
   of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
   immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
   the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
   law.                                    each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
                                           outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
   DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
   under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
   Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
   option, from the date they are posted to your Account) and continue             (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
   to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
   a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
   you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
   statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
   them. However, the Grace Period will apply only in billing periods              recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
   when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
   previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
   is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
   statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
   adjustment, as appropriate.) When the Grace Period applies, we will             TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
   not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
   appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
   period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
   the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
   Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
   can avoid interest on Cash Advances or Balance Transfers.                       Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
                                           Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
   Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
   Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
   cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
   total purchase amount and accrued fees and charges that are                     law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
   subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
   day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
   Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
   Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
   period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
   promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
   by such date, then the interest that has accrued from the date of               method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
   purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
   (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
   balance.                                eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
                                           disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
   FEES                                    mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
                                           we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
   The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
                                           other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
   Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
   opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
   on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
   date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
   whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
   Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
   otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
   amount of credit you initially have available for use.                                                                  may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
                                           MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
   Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
   assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
   Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
   balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
   months your Account is open. Your payment of the Account                                                                CLAIMS)                                 (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
   Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
   our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
                                           lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
   Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
   impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
   cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
   added to your Cash Advance balance.     we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
   enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
   review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
   submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
   hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
   non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
   is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
   information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
   in deciding a Claim.                    arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
                                           limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
   Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
   Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO                If we do not follow all of the rules above, you do not have to pay 
   (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
   relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
   your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
   oral or written statements related to your Account, including any  initial award requested by the appealing party.                                              correct the problem with the merchant, you may have the right not to 
   Claims regarding information obtained by us from, or reported by us             NOTICE TO THE BUYER                     Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
   to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
   our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
   affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
   contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
   from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
   validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
   Agreement.                              remaining portions of this Arbitration Provision. If a conflict or                Atlanta, GA 30348-5374                services.)
                                           inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
   Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
   procedure, to file a Claim or for other information about JAMS and  Provision will control.                              �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
   AAA, write them, visit their web site or call them at: (i) for JAMS, 1920       CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
   Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
   http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
   Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
   http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   costs and expenses, including reasonable attorneys� fees, incurred by           misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
   the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
   you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
   the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
   filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
   incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
   will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
   for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
   attorneys�, experts� and witness fees, regardless of which party                prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
   prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
   from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
   determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
   arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
   schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
   please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
   AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
   fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
   reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
   be higher or lower than the cost of bringing your Claim in court,                                                         responsible for the remainder of your balance.
   depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
   proceeds. Having more than one Claim and holding face to face  dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
   hearings can increase the cost of arbitration. Again, neither you nor  at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
   we will be permitted to arbitrate claims on a class wide (that is, on  governed by and construed in accordance with applicable    question or any interest or other fees related to that amount.
   other than an individual) basis. An arbitration proceeding can decide  federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
   only your or our Claims. You cannot join other parties (or consolidate  laws of Missouri (without regard to internal principles of conflict    the amount in question, along with applicable interest and fees.  
   Claims) except with respect to persons who use your Account.
   TRUTH IN LENDING ACT DISCLOSURES                                                How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
                                                                                   �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
                                                                                   additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
     Interest Rates and Interest Charges
                                                                                                                           carrier that we send with your Card, any automatic payment plan 
                                                                                   Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
    Annual           This APR will                                                 how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
    Percentage       vary with the                                                 conditions below.                       that we send to you with your Agreement, any special credit terms 
                                                                                                                           disclosures in the initial solicitation letter that we sent you and any 
    Rate (APR)  29.99% market based on                                             Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
    for Purchases                                                                  Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
                     the Prime Rate.
                                                                                   published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
                                                                                   the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
    APR for Cash     This APR will
                                                                                   day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
    Advances         vary with the                                                 period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
           32.99%                                                                  Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
    and Balance      market based on                                               and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
    Transfers        the Prime Rate.                                               interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
                                                                                   greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
    Paying  Your due date is at least 25 days after                                period immediately following the publication of the changed Prime 
                                                                                   Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
    Interest the close of each billing cycle. We will                              percentage rate of 36%.                 your use of the Account, or any payment made on the Account, 
           not charge you interest on purchases                                                                            evidences your acceptance of the terms of this Agreement.
                                                                                   Margins and Monthly Periodic Rates with Corresponding APRs:
           if you pay your entire balance by the                                                                           USING YOUR ACCOUNT You can use your Card to purchase or 
                                                                                                                           lease goods or services (including mail, telephone and electronic 
           due date each month. We will begin 
                                                                                                                           orders) from participating establishments (each a �Purchase�) up to 
           charging interest on cash advances                                                                              any credit limit we may establish for you (your �Credit Limit�). You can 
                                                                                                                           also use your Card to obtain a cash loan (�Cash Advance�) by 
           and balance transfers on the 
                                                                                                                           presenting your Card to any institution that accepts the Card for that 
           transaction date.                                                                                               purpose or by making a withdrawal of cash at an ATM. Transactions 
                                                                                                                           made with your Account for things like money orders, deposits, wire 
    For Credit                                                                                                             transfer money orders, travelers cheques, foreign currency and other 
           To learn more about factors 
                                                                                                                           similar transactions, will be treated as Cash Advances. From time to 
    Card   to consider when applying for                                                                                   time, we may also permit you to obtain credit from us by making a 
                                                                                                                           payment to another creditor of yours (�Balance Transfer�) using 
    Tips from the 
           or using a credit card, visit the                                                                               forms or other means provided by us. Except as otherwise 
    Consumer                                                                                                               specifically provided in this Agreement, a Balance Transfer generally 
           website of the Consumer                                                                                         is treated as a Cash Advance, but the fees that may be imposed at 
    Financial                                                                                                              the time of transfer may differ from those applicable to Cash 
           Financial Protection Bureau 
    Protection                                                                                                             Advances. You may use your Account only for personal, family, or 
                                                                                                                           household purposes. You may not use your Card or your Account for 
    Bureau at www.consumerfinance.gov. 
                                                                                                                           any illegal transaction or any gambling transaction. We may decline 
                                                                                                                           transactions for any reason, including, but not limited to, operational 
               Fees                                                                                                        matters, default, or suspected fraudulent or unlawful activity. 
                                                                                   Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
                                                                                   the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
   Set-up and  NOTICE: The Annual Fee will be                                      are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
                                                                                                                           difficulties or mistakes. We may limit the number and amount of 
   Maintenance  assessed before you begin using 
                                                                                   GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
   Fees       your card and will reduce the                                        use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
                                                                                   Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
              amount of credit you initially have 
                                                                                   �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
              available.  Based on your initial                                    member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
                                                                                   and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
              credit limit of $1000, your initial                                  person whowas approved for the Account and, as appropriate, all  malfunctions.
              available credit will be only about                                  persons authorized to use the Account. �Application� refers to any (i) 
                                                                                   written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
              $825.                                                                otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
 Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
 under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
 payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
 only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
   attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
 YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
 that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
 authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
 cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
 Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
 general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
 pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
 increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
 received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
 receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
 can vary depending on how your payment is cleared. withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
   You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
 Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
 you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
 change (to set, increase, decrease or remove) the Credit Limit for  Account. Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
 your Account from time to time in accordance with this Agreement  payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
 and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
 without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
 including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
 record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
 established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
 in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
 account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
   Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
 If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
 appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
 on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
 Credit Limit increase requests. history.  that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
                                           Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
 You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
 concerning the status of your Account. cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
   Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
 SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
 connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
 certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
 may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
 terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
 enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
 acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
 offer, which terms may modify or differ from the regular terms of this  you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
 Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
 necessary and all terms of this Agreement will remain applicable  in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
 except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
 offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
 as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
 of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
 immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
 the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
 law. each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
   outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
 DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
 under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
 Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
 option, from the date they are posted to your Account) and continue  (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
 to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
 a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
 you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
 statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
 them. However, the Grace Period will apply only in billing periods  recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
 when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
 previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
 is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
 statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
 adjustment, as appropriate.) When the Grace Period applies, we will  TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
 not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
 appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
 period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
 the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
 Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
 can avoid interest on Cash Advances or Balance Transfers. Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
   Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
 Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
 Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
 cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
 total purchase amount and accrued fees and charges that are  law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
 subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
 day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
 Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
 Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
 period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
 promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
 by such date, then the interest that has accrued from the date of  method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
 purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
 (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
 balance. eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
   disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
 FEES mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
   we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
 The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
   other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
 Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
 opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
 on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
 whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
 Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
 otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 amount of credit you initially have available for use.                            may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
   MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
 Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
 assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
 Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
 balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
 months your Account is open. Your payment of the Account                          CLAIMS)                                 (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
 Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
 our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
   lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
 Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
 impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
 cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
 added to your Cash Advance balance. we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
 enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
 review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
 submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
 hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
 non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
 is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
 information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
 in deciding a Claim. arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
   limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
 Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO   If we do not follow all of the rules above, you do not have to pay 
 (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
 relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
 your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
 oral or written statements related to your Account, including any  initial award requested by the appealing party.        correct the problem with the merchant, you may have the right not to 
 Claims regarding information obtained by us from, or reported by us  NOTICE TO THE BUYER Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
 to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
 our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
 affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
 contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
 from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
 validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
 Agreement. remaining portions of this Arbitration Provision. If a conflict or       Atlanta, GA 30348-5374                services.)
   inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
 Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
 procedure, to file a Claim or for other information about JAMS and  Provision will control.  �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
 AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
 Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
 http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
 http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
 arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
 costs and expenses, including reasonable attorneys� fees, incurred by  misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
 the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
 you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
 the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
 filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
 will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
 for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
 attorneys�, experts� and witness fees, regardless of which party  prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
 prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
 from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
 determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
 arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
 schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
 please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
 AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
 fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
 reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
 be higher or lower than the cost of bringing your Claim in court,                   responsible for the remainder of your balance.
 depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
 proceeds. Having more than one Claim and holding face to face  dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
 hearings can increase the cost of arbitration. Again, neither you nor  at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
 we will be permitted to arbitrate claims on a class wide (that is, on  governed by and construed in accordance with applicable    question or any interest or other fees related to that amount.
 other than an individual) basis. An arbitration proceeding can decide  federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
 only your or our Claims. You cannot join other parties (or consolidate  laws of Missouri (without regard to internal principles of conflict    the amount in question, along with applicable interest and fees.  
 Claims) except with respect to persons who use your Account.
                                           How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
              You may still reject this plan,  �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
                                           additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
              provided that you have not yet                                       carrier that we send with your Card, any automatic payment plan 
                                           Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
              used the account or paid a fee 
                                           how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
              after receiving a billing statement.  conditions below.              that we send to you with your Agreement, any special credit terms 
                                                                                   disclosures in the initial solicitation letter that we sent you and any 
              If you do reject the plan, you will 
                                           Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
              not be responsible for any fees  Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
                                           published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
              or charges.                  the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
                                           day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
   � Annual Fee $175 for the first year; after  period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
                                           Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
              that, $49 annually
                                           and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
                                           interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
                                           greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
   � Account   $150 annually (billed at $12.50  period immediately following the publication of the changed Prime 
    Maintenance   per month)               Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
                                           percentage rate of 36%.                 your use of the Account, or any payment made on the Account, 
    Fee       This fee is not billed for the first                                 evidences your acceptance of the terms of this Agreement.
              12 months that your Account is  Margins and Monthly Periodic Rates with Corresponding APRs:
                                                                                   USING YOUR ACCOUNT You can use your Card to purchase or 
              open.                                                                lease goods or services (including mail, telephone and electronic 
                                                                                   orders) from participating establishments (each a �Purchase�) up to 
   Transaction                                                                     any credit limit we may establish for you (your �Credit Limit�). You can 
                                                                                   also use your Card to obtain a cash loan (�Cash Advance�) by 
   Fees                                                                            presenting your Card to any institution that accepts the Card for that 
                                                                                   purpose or by making a withdrawal of cash at an ATM. Transactions 
                                                                                   made with your Account for things like money orders, deposits, wire 
                                                                                   transfer money orders, travelers cheques, foreign currency and other 
   � Cash     Either $5 or 5% of the amount                                        similar transactions, will be treated as Cash Advances. From time to 
                                                                                   time, we may also permit you to obtain credit from us by making a 
    Advance   of each cash advance, 
                                                                                   payment to another creditor of yours (�Balance Transfer�) using 
              whichever is greater                                                 forms or other means provided by us. Except as otherwise 
                                                                                   specifically provided in this Agreement, a Balance Transfer generally 
                                                                                   is treated as a Cash Advance, but the fees that may be imposed at 
   � Foreign   3% of each transaction amount                                       the time of transfer may differ from those applicable to Cash 
                                                                                   Advances. You may use your Account only for personal, family, or 
    Transaction in U.S. dollars                                                    household purposes. You may not use your Card or your Account for 
                                                                                   any illegal transaction or any gambling transaction. We may decline 
   � Balance                                                                       transactions for any reason, including, but not limited to, operational 
              3% of the amount of each                                             matters, default, or suspected fraudulent or unlawful activity. 
    Transfer
                                           Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
              transfer
                                           the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
                                           are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
                                                                                   difficulties or mistakes. We may limit the number and amount of 
   Penalty Fees                            GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
                                           use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
                                           Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
   � Late     Up to $37                    �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
                                           member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
    Payment                                and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
                                           person whowas approved for the Account and, as appropriate, all  malfunctions.
                                           persons authorized to use the Account. �Application� refers to any (i) 
   � Returned   Up to $37
                                           written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
    Payment                                otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
 Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
 under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
 payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
 only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
 attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
 YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
 that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
 authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
 cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
 Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
 general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
 pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
 increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
 received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
 receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
 can vary depending on how your payment is cleared. withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
 You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
 Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
 you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
 change (to set, increase, decrease or remove) the Credit Limit for  Account. Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
 your Account from time to time in accordance with this Agreement  payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
 and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
 without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
 including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
 record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
 established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
 in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
 account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
 Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
 If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
 appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
 on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
 Credit Limit increase requests. history. that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
   Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
 You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
 concerning the status of your Account. cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
 Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
 SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
 connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
 certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
 may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
 terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
 enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
 acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
 offer, which terms may modify or differ from the regular terms of this  you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
 Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
 necessary and all terms of this Agreement will remain applicable  in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
 except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
 offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
 as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
 of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
 immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
 the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
 law. each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
 outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
 DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
 under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
 Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
 option, from the date they are posted to your Account) and continue  (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
 to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
 a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
 you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
 statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
 them. However, the Grace Period will apply only in billing periods  recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
 when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
 previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
 is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
 statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
 adjustment, as appropriate.) When the Grace Period applies, we will  TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
 not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
 appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
 period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
 the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
 Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
 can avoid interest on Cash Advances or Balance Transfers. Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
 Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
 Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
 Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
 cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
 total purchase amount and accrued fees and charges that are  law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
 subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
 day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
 Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
 Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
 period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
 promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
 by such date, then the interest that has accrued from the date of  method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
 purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
 (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
 balance. eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
 disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
 FEES mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
 we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
 The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
 other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
 Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
 opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
 on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
 whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
 Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
 otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 amount of credit you initially have available for use. may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
 MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
 Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
 assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
 Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
 balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
 months your Account is open. Your payment of the Account  CLAIMS)                 (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
 Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
 our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
 lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
 Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
 impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
 cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
 added to your Cash Advance balance. we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
 enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
 review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
 submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
 hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
 non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
 is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
 information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
 in deciding a Claim. arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
 limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
 Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO   If we do not follow all of the rules above, you do not have to pay 
 (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
 relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
 your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
 oral or written statements related to your Account, including any  initial award requested by the appealing party. correct the problem with the merchant, you may have the right not to 
 Claims regarding information obtained by us from, or reported by us  NOTICE TO THE BUYER Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
 to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
 our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
 affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
 contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
 from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
 validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
 Agreement. remaining portions of this Arbitration Provision. If a conflict or    Atlanta, GA 30348-5374 services.)
 inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
 Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
 procedure, to file a Claim or for other information about JAMS and  Provision will control.  �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
 AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
 Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
 http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
 http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
 arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
 costs and expenses, including reasonable attorneys� fees, incurred by  misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
 the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
 you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
 the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
 filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
 will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
 for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
 attorneys�, experts� and witness fees, regardless of which party  prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
 prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
 from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
 determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
 arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
 schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
 please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
 AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
 fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
 reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
 be higher or lower than the cost of bringing your Claim in court,    responsible for the remainder of your balance.
 depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
 proceeds. Having more than one Claim and holding face to face  dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
 hearings can increase the cost of arbitration. Again, neither you nor  at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
 we will be permitted to arbitrate claims on a class wide (that is, on  governed by and construed in accordance with applicable    question or any interest or other fees related to that amount.
 other than an individual) basis. An arbitration proceeding can decide  federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
 only your or our Claims. You cannot join other parties (or consolidate  laws of Missouri (without regard to internal principles of conflict    the amount in question, along with applicable interest and fees.  
 Claims) except with respect to persons who use your Account.
   How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
   �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
   additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
                                           carrier that we send with your Card, any automatic payment plan 
   Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
   how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
   conditions below.                       that we send to you with your Agreement, any special credit terms 
                                           disclosures in the initial solicitation letter that we sent you and any 
   Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
   Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
   published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
   the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
   day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
   period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
   Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
   and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
   interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
   greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
   period immediately following the publication of the changed Prime 
   Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
   percentage rate of 36%.                 your use of the Account, or any payment made on the Account, 
                                           evidences your acceptance of the terms of this Agreement.
   Margins and Monthly Periodic Rates with Corresponding APRs:
                                           USING YOUR ACCOUNT You can use your Card to purchase or 
   Rate   Margin Current Monthly  Maxi-    lease goods or services (including mail, telephone and electronic 
                                           orders) from participating establishments (each a �Purchase�) up to 
               Periodic Rate mum           any credit limit we may establish for you (your �Credit Limit�). You can 
                          APR              also use your Card to obtain a cash loan (�Cash Advance�) by 
                                           presenting your Card to any institution that accepts the Card for that 
   Purchase  26.49% 2.499%  36%            purpose or by making a withdrawal of cash at an ATM. Transactions 
                                           made with your Account for things like money orders, deposits, wire 
   Rate        (corresponding APR 
                                           transfer money orders, travelers cheques, foreign currency and other 
               of 29.99%)                  similar transactions, will be treated as Cash Advances. From time to 
                                           time, we may also permit you to obtain credit from us by making a 
   Cash   29.49% 2.749%   36%              payment to another creditor of yours (�Balance Transfer�) using 
                                           forms or other means provided by us. Except as otherwise 
   Advance     (corresponding APR 
                                           specifically provided in this Agreement, a Balance Transfer generally 
   and         of 32.99%)                  is treated as a Cash Advance, but the fees that may be imposed at 
                                           the time of transfer may differ from those applicable to Cash 
   Balance
                                           Advances. You may use your Account only for personal, family, or 
   Transfer                                household purposes. You may not use your Card or your Account for 
                                           any illegal transaction or any gambling transaction. We may decline 
   Rate                                    transactions for any reason, including, but not limited to, operational 
                                           matters, default, or suspected fraudulent or unlawful activity. 
   Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
   the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
   are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
                                           difficulties or mistakes. We may limit the number and amount of 
   GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
   use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
   Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
   �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
   member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
   and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
   person whowas approved for the Account and, as appropriate, all  malfunctions.
   persons authorized to use the Account. �Application� refers to any (i) 
   written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
   otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
 Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
 under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
 payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
 only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
 attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
 YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
 that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
 authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
 cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
 Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
 general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
 pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
 increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
 received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
 receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
 can vary depending on how your payment is cleared. withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
 You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
 Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
 you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
 change (to set, increase, decrease or remove) the Credit Limit for  Account. Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
 your Account from time to time in accordance with this Agreement  payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
 and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
 without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
 including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
 record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
 established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
 in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
 account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
 Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
 If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
 appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
 on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
 Credit Limit increase requests. history. that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
 You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
 concerning the status of your Account. cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
 Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
 SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
 connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
 certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
 may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
 terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
 enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
 acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
 offer, which terms may modify or differ from the regular terms of this  you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
 Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
 necessary and all terms of this Agreement will remain applicable  in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
 except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
 offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
 as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
 of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
 immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
 the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
 law. each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
 outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
 DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
 under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
 Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
 option, from the date they are posted to your Account) and continue  (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
 to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
 a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
 you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
 statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
 them. However, the Grace Period will apply only in billing periods  recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
 when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
 previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
 is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
 statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
 adjustment, as appropriate.) When the Grace Period applies, we will  TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
 not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
 appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
 period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
 the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
 Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
 can avoid interest on Cash Advances or Balance Transfers. Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
 Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
 Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
 Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
 cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
 total purchase amount and accrued fees and charges that are  law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
 subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
 day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
 Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
 Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
 period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
 promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
 by such date, then the interest that has accrued from the date of  method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
 purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
 (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
 balance. eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
 disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
 FEES mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
 we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
 The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
 other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
 Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
 opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
 on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
 whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
 Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
 otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 amount of credit you initially have available for use. may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
 MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
 Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
 assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
 Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
 balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
 months your Account is open. Your payment of the Account  CLAIMS) (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
 Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
 our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
 lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
 Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
 impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
 cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
 added to your Cash Advance balance. we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
 enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
 review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
 submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
 hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
 non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
 is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
 information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
 in deciding a Claim. arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
 limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
 Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO   If we do not follow all of the rules above, you do not have to pay 
 (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
 relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
 your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
 oral or written statements related to your Account, including any  initial award requested by the appealing party. correct the problem with the merchant, you may have the right not to 
 Claims regarding information obtained by us from, or reported by us  NOTICE TO THE BUYER Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
 to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
 our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
 affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
 contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
 from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
 validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
 Agreement. remaining portions of this Arbitration Provision. If a conflict or    Atlanta, GA 30348-5374 services.)
 inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
 Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
 procedure, to file a Claim or for other information about JAMS and  Provision will control.  �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
 AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
 Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
 http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
 http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
 arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
 costs and expenses, including reasonable attorneys� fees, incurred by  misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
 the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
 you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
 the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
 filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
 will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
 for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
 attorneys�, experts� and witness fees, regardless of which party  prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
 prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
 from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
 determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
 arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
 schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
 please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
 AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
 fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
 reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
 be higher or lower than the cost of bringing your Claim in court,    responsible for the remainder of your balance.
 depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
 proceeds. Having more than one Claim and holding face to face  dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
 hearings can increase the cost of arbitration. Again, neither you nor 
 at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
 we will be permitted to arbitrate claims on a class wide (that is, on 
 governed by and construed in accordance with applicable    question or any interest or other fees related to that amount.
 other than an individual) basis. An arbitration proceeding can decide 
 federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
 only your or our Claims. You cannot join other parties (or consolidate 
 laws of Missouri (without regard to internal principles of conflict    the amount in question, along with applicable interest and fees.  
 Claims) except with respect to persons who use your Account.
 How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
 �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
 additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
   carrier that we send with your Card, any automatic payment plan 
 Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
 how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
 conditions below. that we send to you with your Agreement, any special credit terms 
   disclosures in the initial solicitation letter that we sent you and any 
 Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
 Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
 published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
 the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
 day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
 period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
 Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
 and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
 interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
 greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
 period immediately following the publication of the changed Prime 
 Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
 percentage rate of 36%. your use of the Account, or any payment made on the Account, 
   evidences your acceptance of the terms of this Agreement.
 Margins and Monthly Periodic Rates with Corresponding APRs:
   USING YOUR ACCOUNT You can use your Card to purchase or 
   lease goods or services (including mail, telephone and electronic 
   orders) from participating establishments (each a �Purchase�) up to 
   any credit limit we may establish for you (your �Credit Limit�). You can 
   also use your Card to obtain a cash loan (�Cash Advance�) by 
   presenting your Card to any institution that accepts the Card for that 
   purpose or by making a withdrawal of cash at an ATM. Transactions 
   made with your Account for things like money orders, deposits, wire 
   transfer money orders, travelers cheques, foreign currency and other 
   similar transactions, will be treated as Cash Advances. From time to 
   time, we may also permit you to obtain credit from us by making a 
   payment to another creditor of yours (�Balance Transfer�) using 
   forms or other means provided by us. Except as otherwise 
   specifically provided in this Agreement, a Balance Transfer generally 
   is treated as a Cash Advance, but the fees that may be imposed at 
   the time of transfer may differ from those applicable to Cash 
   Advances. You may use your Account only for personal, family, or 
   household purposes. You may not use your Card or your Account for 
   any illegal transaction or any gambling transaction. We may decline 
   transactions for any reason, including, but not limited to, operational 
   matters, default, or suspected fraudulent or unlawful activity. 
 Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
 the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
 are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
   difficulties or mistakes. We may limit the number and amount of 
 GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
 use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
 Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
 �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
 member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
 and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
 person whowas approved for the Account and, as appropriate, all  malfunctions.
 persons authorized to use the Account. �Application� refers to any (i) 
 written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
 otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
 Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
 under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
 payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
 only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
 attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
 YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
 that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
 authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
 cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
 Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
 general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
 pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
 increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
 received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
 receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
 can vary depending on how your payment is cleared. withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
 You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
 Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
 you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
 change (to set, increase, decrease or remove) the Credit Limit for  Account. Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
 your Account from time to time in accordance with this Agreement  payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
 and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
 without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
 including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
 record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
 established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
 in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
 account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
 Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
 If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
 appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
 on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
 Credit Limit increase requests. history. that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
 You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
 concerning the status of your Account. cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
 Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
 SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
 connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
 certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
 may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
 terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
 enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
 acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
 offer, which terms may modify or differ from the regular terms of this  you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
 Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
 necessary and all terms of this Agreement will remain applicable  in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
 except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
 offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
 as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
 of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
 immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
 the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
 law. each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
 outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
 DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
 under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
 Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
 option, from the date they are posted to your Account) and continue  (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
 to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
 a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
 you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
 statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
 them. However, the Grace Period will apply only in billing periods  recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
 when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
 previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
 is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
 statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
 adjustment, as appropriate.) When the Grace Period applies, we will  TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
 not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
 appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
 period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
 the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
 Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
 can avoid interest on Cash Advances or Balance Transfers. Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
 Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
 Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
 Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
 cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
 total purchase amount and accrued fees and charges that are  law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
 subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
 day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
 Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
 Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
 period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
 promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
 by such date, then the interest that has accrued from the date of  method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
 purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
 (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
 balance. eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
 disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
 FEES mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
 we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
 The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
 other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
 Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
 opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
 on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
 whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
 Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
 otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 amount of credit you initially have available for use. may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
 MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
 Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
 assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
 Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
 balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
 months your Account is open. Your payment of the Account  CLAIMS) (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
 Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
 our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
 lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
 Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
 impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
 cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
 added to your Cash Advance balance. we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
 enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
 review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
 submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
 hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
 non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
 is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
 information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
 in deciding a Claim. arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
 limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
 Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO   If we do not follow all of the rules above, you do not have to pay 
 (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
 relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
 your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
 oral or written statements related to your Account, including any  initial award requested by the appealing party. correct the problem with the merchant, you may have the right not to 
 Claims regarding information obtained by us from, or reported by us  NOTICE TO THE BUYER Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
 to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
 our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
 affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
 contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
 from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
 validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
 Agreement. remaining portions of this Arbitration Provision. If a conflict or    Atlanta, GA 30348-5374 services.)
 inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
 Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
 procedure, to file a Claim or for other information about JAMS and  Provision will control.  �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
 AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
 Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
 http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
 http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
 arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
 costs and expenses, including reasonable attorneys� fees, incurred by  misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
 the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
 you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
 the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
 filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
 will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
 for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
 attorneys�, experts� and witness fees, regardless of which party  prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
 prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
 from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
 determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
 arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
 schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
 please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
 AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
 fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
 reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
 be higher or lower than the cost of bringing your Claim in court,    responsible for the remainder of your balance.
 depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
 proceeds. Having more than one Claim and holding face to face  dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
 hearings can increase the cost of arbitration. Again, neither you nor 
 at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
 we will be permitted to arbitrate claims on a class wide (that is, on 
 governed by and construed in accordance with applicable    question or any interest or other fees related to that amount.
 other than an individual) basis. An arbitration proceeding can decide 
 federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
 only your or our Claims. You cannot join other parties (or consolidate 
 laws of Missouri (without regard to internal principles of conflict    the amount in question, along with applicable interest and fees.  
 Claims) except with respect to persons who use your Account.                                                                                                                           How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
                                                                                                                           �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
                                                                                                                           additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
                                                                                                                                                                   carrier that we send with your Card, any automatic payment plan 
                                                                                                                           Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
                                                                                                                           how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
                                                                                                                           conditions below.                       that we send to you with your Agreement, any special credit terms 
                                                                                                                                                                   disclosures in the initial solicitation letter that we sent you and any 
                                                                                                                           Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
                                                                                                                           Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
                                                                                                                           published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
                                                                                                                           the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
                                                                                                                           day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
                                                                                                                           period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
                                                                                                                           Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
                                                                                                                           and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
                                                                                                                           interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
                                                                                                                           greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
                                                                                                                           period immediately following the publication of the changed Prime 
                                                                                                                           Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
                                                                                                                           percentage rate of 36%.                 your use of the Account, or any payment made on the Account, 
                                                                                                                                                                   evidences your acceptance of the terms of this Agreement.
                                                                                                                           Margins and Monthly Periodic Rates with Corresponding APRs:
                                                                                                                                                                   USING YOUR ACCOUNT You can use your Card to purchase or 
                                                                                                                                                                   lease goods or services (including mail, telephone and electronic 
                                                                                                                                                                   orders) from participating establishments (each a �Purchase�) up to 
                                                                                                                                                                   any credit limit we may establish for you (your �Credit Limit�). You can 
                                                                                                                                                                   also use your Card to obtain a cash loan (�Cash Advance�) by 
                                                                                                                                                                   presenting your Card to any institution that accepts the Card for that 
                                                                                                                                                                   purpose or by making a withdrawal of cash at an ATM. Transactions 
                                                                                                                                                                   made with your Account for things like money orders, deposits, wire 
                                                                                                                                                                   transfer money orders, travelers cheques, foreign currency and other 
                                                                                                                                                                   similar transactions, will be treated as Cash Advances. From time to 
                                                                                                                                                                   time, we may also permit you to obtain credit from us by making a 
                                                                                                                                                                   payment to another creditor of yours (�Balance Transfer�) using 
                                                                                                                                                                   forms or other means provided by us. Except as otherwise 
                                                                                                                                                                   specifically provided in this Agreement, a Balance Transfer generally 
                                                                                                                                                                   is treated as a Cash Advance, but the fees that may be imposed at 
                                                                                                                                                                   the time of transfer may differ from those applicable to Cash 
                                                                                                                                                                   Advances. You may use your Account only for personal, family, or 
                                                                                                                                                                   household purposes. You may not use your Card or your Account for 
                                                                                                                                                                   any illegal transaction or any gambling transaction. We may decline 
                                                                                                                                                                   transactions for any reason, including, but not limited to, operational 
                                                                                                                                                                   matters, default, or suspected fraudulent or unlawful activity. 
                                                                                                                           Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
                                                                                                                           the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
                                                                                                                           are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
                                                                                                                                                                   difficulties or mistakes. We may limit the number and amount of 
                                                                                                                           GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
                                                                                                                           use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
                                                                                                                           Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
                                                                                                                           �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
                                                                                                                           member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
                                                                                                                           and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
                                                                                                                           person whowas approved for the Account and, as appropriate, all  malfunctions.
                                                                                                                           persons authorized to use the Account. �Application� refers to any (i) 
                                                                                                                           written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
                                                                                                                           otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
   Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
   under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
   payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
   only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
                                           attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
   YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
   that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
   authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
   cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
   Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
   general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
   pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
   increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
   received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
   receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
   can vary depending on how your payment is cleared.                              withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
                                           You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
   Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
   you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
   change (to set, increase, decrease or remove) the Credit Limit for  Account.    Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
   your Account from time to time in accordance with this Agreement                payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
   and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
   without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
   including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
   record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
   established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
   in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
   account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
                                           Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
   If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
   appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
   on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
   Credit Limit increase requests.         history.                                that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
                                                                                   Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
   You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
   concerning the status of your Account.  cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
                                           Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
   SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
   connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
   certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
   may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
   terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
   enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
   acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
   offer, which terms may modify or differ from the regular terms of this          you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
   Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
   necessary and all terms of this Agreement will remain applicable                in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
   except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
   offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
   as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
   of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
   immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
   the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
   law.                                    each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
                                           outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
   DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
   under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
   Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
   option, from the date they are posted to your Account) and continue             (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
   to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
   a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
   you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
   statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
   them. However, the Grace Period will apply only in billing periods              recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
   when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
   previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
   is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
   statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
   adjustment, as appropriate.) When the Grace Period applies, we will             TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
   not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
   appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
   period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
   the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
   Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
   can avoid interest on Cash Advances or Balance Transfers.                       Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
                                           Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
   Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
   Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
   cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
   total purchase amount and accrued fees and charges that are                     law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
   subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
   day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
   Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
   Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
   period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
   promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
   by such date, then the interest that has accrued from the date of               method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
   purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
   (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
   balance.                                eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
                                           disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
   FEES                                    mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
                                           we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
   The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
                                           other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
   Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
   opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
   on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
   date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
   whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
   Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
   otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
   amount of credit you initially have available for use.                                                                  may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
                                           MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
   Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
   assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
   Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
   balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
   months your Account is open. Your payment of the Account                                                                CLAIMS)                                 (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
   Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
   our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
                                           lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
   Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
   impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
   cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
   added to your Cash Advance balance.     we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
   enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
   review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
   submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
   hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
   non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
   is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
   information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
   in deciding a Claim.                    arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
                                           limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
   Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
   Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO                If we do not follow all of the rules above, you do not have to pay 
   (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
   relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
   your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
   oral or written statements related to your Account, including any  initial award requested by the appealing party.                                              correct the problem with the merchant, you may have the right not to 
   Claims regarding information obtained by us from, or reported by us             NOTICE TO THE BUYER                     Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
   to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
   our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
   affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
   contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
   from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
   validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
   Agreement.                              remaining portions of this Arbitration Provision. If a conflict or                Atlanta, GA 30348-5374                services.)
                                           inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
   Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
   procedure, to file a Claim or for other information about JAMS and  Provision will control.                              �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
   AAA, write them, visit their web site or call them at: (i) for JAMS, 1920       CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
   Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
   http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
   Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
   http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   costs and expenses, including reasonable attorneys� fees, incurred by           misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
   the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
   you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
   the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
   filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
   incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
   will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
   for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
   attorneys�, experts� and witness fees, regardless of which party                prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
   prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
   from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
   determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
   arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
   schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
   please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
   AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
   fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
   reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
   be higher or lower than the cost of bringing your Claim in court,                                                         responsible for the remainder of your balance.
   depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
   proceeds. Having more than one Claim and holding face to face  dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
   hearings can increase the cost of arbitration. Again, neither you nor 
                                           at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
   we will be permitted to arbitrate claims on a class wide (that is, on 
                                           governed by and construed in accordance with applicable                           question or any interest or other fees related to that amount.
   other than an individual) basis. An arbitration proceeding can decide 
                                           federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
   only your or our Claims. You cannot join other parties (or consolidate 
                                           laws of Missouri (without regard to internal principles of conflict               the amount in question, along with applicable interest and fees.  
   Claims) except with respect to persons who use your Account.                                                                                   How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
                                                                                   �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
                                                                                   additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
                                                                                                                           carrier that we send with your Card, any automatic payment plan 
                                                                                   Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
                                                                                   how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
                                                                                   conditions below.                       that we send to you with your Agreement, any special credit terms 
                                                                                                                           disclosures in the initial solicitation letter that we sent you and any 
                                                                                   Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
                                                                                   Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
                                                                                   published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
                                                                                   the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
                                                                                   day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
                                                                                   period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
                                                                                   Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
                                                                                   and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
                                                                                   interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
                                                                                   greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
                                                                                   period immediately following the publication of the changed Prime 
                                                                                   Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
                                                                                   percentage rate of 36%.                 your use of the Account, or any payment made on the Account, 
                                                                                                                           evidences your acceptance of the terms of this Agreement.
                                                                                   Margins and Monthly Periodic Rates with Corresponding APRs:
                                                                                                                           USING YOUR ACCOUNT You can use your Card to purchase or 
                                                                                                                           lease goods or services (including mail, telephone and electronic 
                                                                                                                           orders) from participating establishments (each a �Purchase�) up to 
                                                                                                                           any credit limit we may establish for you (your �Credit Limit�). You can 
                                                                                                                           also use your Card to obtain a cash loan (�Cash Advance�) by 
                                                                                                                           presenting your Card to any institution that accepts the Card for that 
                                                                                                                           purpose or by making a withdrawal of cash at an ATM. Transactions 
                                                                                                                           made with your Account for things like money orders, deposits, wire 
                                                                                                                           transfer money orders, travelers cheques, foreign currency and other 
                                                                                                                           similar transactions, will be treated as Cash Advances. From time to 
                                                                                                                           time, we may also permit you to obtain credit from us by making a 
                                                                                                                           payment to another creditor of yours (�Balance Transfer�) using 
                                                                                                                           forms or other means provided by us. Except as otherwise 
                                                                                                                           specifically provided in this Agreement, a Balance Transfer generally 
                                                                                                                           is treated as a Cash Advance, but the fees that may be imposed at 
                                                                                                                           the time of transfer may differ from those applicable to Cash 
                                                                                                                           Advances. You may use your Account only for personal, family, or 
                                                                                                                           household purposes. You may not use your Card or your Account for 
                                                                                                                           any illegal transaction or any gambling transaction. We may decline 
                                                                                                                           transactions for any reason, including, but not limited to, operational 
                                                                                                                           matters, default, or suspected fraudulent or unlawful activity. 
                                                                                   Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
                                                                                   the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
                                                                                   are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
                                                                                                                           difficulties or mistakes. We may limit the number and amount of 
                                                                                   GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
                                                                                   use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
                                                                                   Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
                                                                                   �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
                                                                                   member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
                                                                                   and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
                                                                                   person whowas approved for the Account and, as appropriate, all  malfunctions.
                                                                                   persons authorized to use the Account. �Application� refers to any (i) 
                                                                                   written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
                                                                                   otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
 Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
 under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
 payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
 only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
   attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
 YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
 that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
 authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
 cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
 Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
 general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
 pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
 increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
 received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
 receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
 can vary depending on how your payment is cleared. withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
   You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
 Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
 you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
 change (to set, increase, decrease or remove) the Credit Limit for  Account. Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
 your Account from time to time in accordance with this Agreement  payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
 and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
 without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
 including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
 record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
 established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
 in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
 account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
   Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
 If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
 appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
 on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
 Credit Limit increase requests. history.  that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
                                           Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
 You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
 concerning the status of your Account. cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
   Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
 SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
 connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
 certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
 may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
 terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
 enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
 acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
 offer, which terms may modify or differ from the regular terms of this  you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
 Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
 necessary and all terms of this Agreement will remain applicable  in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
 except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
 offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
 as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
 of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
 immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
 the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
 law. each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
   outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
 DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
 under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
 Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
 option, from the date they are posted to your Account) and continue  (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
 to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
 a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
 you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
 statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
 them. However, the Grace Period will apply only in billing periods  recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
 when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
 previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
 is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
 statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
 adjustment, as appropriate.) When the Grace Period applies, we will  TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
 not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
 appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
 period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
 the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
 Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
 can avoid interest on Cash Advances or Balance Transfers. Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
   Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
 Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
 Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
 cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
 total purchase amount and accrued fees and charges that are  law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
 subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
 day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
 Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
 Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
 period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
 promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
 by such date, then the interest that has accrued from the date of  method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
 purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
 (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
 balance. eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
   disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
 FEES mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
   we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
 The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
   other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
 Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
 opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
 on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
 whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
 Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
 otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 amount of credit you initially have available for use.                            may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
   MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
 Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
 assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
 Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
 balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
 months your Account is open. Your payment of the Account                          CLAIMS)                                 (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
 Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
 our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
   lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
 Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
 impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
 cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
 added to your Cash Advance balance. we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
 enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
 review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
 submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
 hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
 non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
 is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
 information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
 in deciding a Claim. arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
   limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
 Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO   If we do not follow all of the rules above, you do not have to pay 
 (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
 relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
 your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
 oral or written statements related to your Account, including any  initial award requested by the appealing party.        correct the problem with the merchant, you may have the right not to 
 Claims regarding information obtained by us from, or reported by us  NOTICE TO THE BUYER Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
 to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
 our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
 affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
 contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
 from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
 validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
 Agreement. remaining portions of this Arbitration Provision. If a conflict or       Atlanta, GA 30348-5374                services.)
   inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
 Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
 procedure, to file a Claim or for other information about JAMS and  Provision will control.  �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
 AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
 Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
 http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
 http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
 arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
 costs and expenses, including reasonable attorneys� fees, incurred by  misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
 the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
 you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
 the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
 filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
 will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
 for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
 attorneys�, experts� and witness fees, regardless of which party  prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
 prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
 from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
 determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
 arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
 schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
 please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
 AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
 fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
 reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
 be higher or lower than the cost of bringing your Claim in court,                   responsible for the remainder of your balance.
 depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
 proceeds. Having more than one Claim and holding face to face  dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
 hearings can increase the cost of arbitration. Again, neither you nor 
   at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
 we will be permitted to arbitrate claims on a class wide (that is, on 
   governed by and construed in accordance with applicable                           question or any interest or other fees related to that amount.
 other than an individual) basis. An arbitration proceeding can decide 
   federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
 only your or our Claims. You cannot join other parties (or consolidate 
   laws of Missouri (without regard to internal principles of conflict               the amount in question, along with applicable interest and fees.  
 Claims) except with respect to persons who use your Account.                                           How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
                                           �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
                                           additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
                                                                                   carrier that we send with your Card, any automatic payment plan 
                                           Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
                                           how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
                                           conditions below.                       that we send to you with your Agreement, any special credit terms 
                                                                                   disclosures in the initial solicitation letter that we sent you and any 
                                           Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
                                           Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
                                           published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
                                           the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
                                           day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
                                           period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
                                           Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
                                           and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
                                           interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
                                           greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
                                           period immediately following the publication of the changed Prime 
                                           Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
                                           percentage rate of 36%.                 your use of the Account, or any payment made on the Account, 
                                                                                   evidences your acceptance of the terms of this Agreement.
                                           Margins and Monthly Periodic Rates with Corresponding APRs:
                                                                                   USING YOUR ACCOUNT You can use your Card to purchase or 
                                                                                   lease goods or services (including mail, telephone and electronic 
                                                                                   orders) from participating establishments (each a �Purchase�) up to 
                                                                                   any credit limit we may establish for you (your �Credit Limit�). You can 
                                                                                   also use your Card to obtain a cash loan (�Cash Advance�) by 
                                                                                   presenting your Card to any institution that accepts the Card for that 
                                                                                   purpose or by making a withdrawal of cash at an ATM. Transactions 
                                                                                   made with your Account for things like money orders, deposits, wire 
                                                                                   transfer money orders, travelers cheques, foreign currency and other 
                                                                                   similar transactions, will be treated as Cash Advances. From time to 
                                                                                   time, we may also permit you to obtain credit from us by making a 
                                                                                   payment to another creditor of yours (�Balance Transfer�) using 
                                                                                   forms or other means provided by us. Except as otherwise 
                                                                                   specifically provided in this Agreement, a Balance Transfer generally 
                                                                                   is treated as a Cash Advance, but the fees that may be imposed at 
                                                                                   the time of transfer may differ from those applicable to Cash 
                                                                                   Advances. You may use your Account only for personal, family, or 
                                                                                   household purposes. You may not use your Card or your Account for 
                                                                                   any illegal transaction or any gambling transaction. We may decline 
                                                                                   transactions for any reason, including, but not limited to, operational 
                                                                                   matters, default, or suspected fraudulent or unlawful activity. 
                                           Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
                                           the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
                                           are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
                                                                                   difficulties or mistakes. We may limit the number and amount of 
                                           GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
                                           use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
                                           Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
                                           �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
                                           member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
                                           and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
                                           person whowas approved for the Account and, as appropriate, all  malfunctions.
                                           persons authorized to use the Account. �Application� refers to any (i) 
                                           written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
                                           otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
 Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
 under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
 payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
 only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
 attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
 YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
 that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
 authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
 cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
 Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
 general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
 pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
 increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
 received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
 receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
 can vary depending on how your payment is cleared. withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
 You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
 Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
 you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
 change (to set, increase, decrease or remove) the Credit Limit for  Account. Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
 your Account from time to time in accordance with this Agreement  payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
 and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
 without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
 including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
 record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
 established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
 in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
 account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
 Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
 If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
 appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
 on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
 Credit Limit increase requests. history. that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
   Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
 You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
 concerning the status of your Account. cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
 Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
 SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
 connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
 certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
 may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
 terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
 enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
 acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
 offer, which terms may modify or differ from the regular terms of this  you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
 Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
 necessary and all terms of this Agreement will remain applicable  in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
 except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
 offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
 as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
 of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
 immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
 the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
 law. each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
 outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
 DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
 under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
 Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
 option, from the date they are posted to your Account) and continue  (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
 to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
 a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
 you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
 statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
 them. However, the Grace Period will apply only in billing periods  recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
 when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
 previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
 is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
 statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
 adjustment, as appropriate.) When the Grace Period applies, we will  TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
 not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
 appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
 period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
 the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
 Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
 can avoid interest on Cash Advances or Balance Transfers. Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
 Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
 Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
 Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
 cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
 total purchase amount and accrued fees and charges that are  law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
 subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
 day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
 Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
 Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
 period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
 promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
 by such date, then the interest that has accrued from the date of  method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
 purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
 (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
 balance. eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
 disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
 FEES mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
 we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
 The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
 other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
 Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
 opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
 on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
 whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
 Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
 otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 amount of credit you initially have available for use. may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
 MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
 Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
 assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
 Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
 balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
 months your Account is open. Your payment of the Account  CLAIMS)                 (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
 Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
 our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
 lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
 Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
 impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
 cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
 added to your Cash Advance balance. we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
 enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
 review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
 submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
 hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
 non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
 is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
 information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
 in deciding a Claim. arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
 limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
 Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO   If we do not follow all of the rules above, you do not have to pay 
 (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
 relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
 your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
 oral or written statements related to your Account, including any  initial award requested by the appealing party. correct the problem with the merchant, you may have the right not to 
 Claims regarding information obtained by us from, or reported by us  NOTICE TO THE BUYER Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
 to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
 our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
 affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
 contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
 from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
 validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
 Agreement. remaining portions of this Arbitration Provision. If a conflict or    Atlanta, GA 30348-5374 services.)
 inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
 Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
 procedure, to file a Claim or for other information about JAMS and  Provision will control.  �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
 AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
 Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
 http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
 http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
 arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
 costs and expenses, including reasonable attorneys� fees, incurred by  misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
 the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
 you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
 the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
 filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
 will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
 for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
 attorneys�, experts� and witness fees, regardless of which party  prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
 prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
 from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
 determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
 arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
 schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
 please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
 AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
 fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
 reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
 be higher or lower than the cost of bringing your Claim in court,    responsible for the remainder of your balance.
 depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
 proceeds. Having more than one Claim and holding face to face  dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
 hearings can increase the cost of arbitration. Again, neither you nor 
 at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
 we will be permitted to arbitrate claims on a class wide (that is, on 
 governed by and construed in accordance with applicable    question or any interest or other fees related to that amount.
 other than an individual) basis. An arbitration proceeding can decide 
 federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
 only your or our Claims. You cannot join other parties (or consolidate 
 laws of Missouri (without regard to internal principles of conflict    the amount in question, along with applicable interest and fees.  
 Claims) except with respect to persons who use your Account.   How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
   �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
   additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
                                           carrier that we send with your Card, any automatic payment plan 
   Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
   how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
   conditions below.                       that we send to you with your Agreement, any special credit terms 
                                           disclosures in the initial solicitation letter that we sent you and any 
   Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
   Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
   published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
   the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
   day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
   period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
   Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
   and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
   interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
   greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
   period immediately following the publication of the changed Prime 
   Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
   percentage rate of 36%.                 your use of the Account, or any payment made on the Account, 
                                           evidences your acceptance of the terms of this Agreement.
   Margins and Monthly Periodic Rates with Corresponding APRs:
                                           USING YOUR ACCOUNT You can use your Card to purchase or 
                                           lease goods or services (including mail, telephone and electronic 
                                           orders) from participating establishments (each a �Purchase�) up to 
                                           any credit limit we may establish for you (your �Credit Limit�). You can 
                                           also use your Card to obtain a cash loan (�Cash Advance�) by 
                                           presenting your Card to any institution that accepts the Card for that 
                                           purpose or by making a withdrawal of cash at an ATM. Transactions 
                                           made with your Account for things like money orders, deposits, wire 
                                           transfer money orders, travelers cheques, foreign currency and other 
                                           similar transactions, will be treated as Cash Advances. From time to 
                                           time, we may also permit you to obtain credit from us by making a 
                                           payment to another creditor of yours (�Balance Transfer�) using 
                                           forms or other means provided by us. Except as otherwise 
                                           specifically provided in this Agreement, a Balance Transfer generally 
                                           is treated as a Cash Advance, but the fees that may be imposed at 
                                           the time of transfer may differ from those applicable to Cash 
                                           Advances. You may use your Account only for personal, family, or 
                                           household purposes. You may not use your Card or your Account for 
                                           any illegal transaction or any gambling transaction. We may decline 
                                           transactions for any reason, including, but not limited to, operational 
                                           matters, default, or suspected fraudulent or unlawful activity. 
   Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
   the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
   are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
                                           difficulties or mistakes. We may limit the number and amount of 
   GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
   use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
   Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
   �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
   member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
   and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
   person whowas approved for the Account and, as appropriate, all  malfunctions.
   persons authorized to use the Account. �Application� refers to any (i) 
   written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
   otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
 Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
 under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
 payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
 only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
 attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
 YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
 that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
 authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
 cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
 Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
 general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
 pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
 increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
 received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
 receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
 can vary depending on how your payment is cleared. withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
 You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
 Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
 you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
 change (to set, increase, decrease or remove) the Credit Limit for  Account. Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
 your Account from time to time in accordance with this Agreement  payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
 and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
 without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
 including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
 record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
 established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
 in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
 account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
 Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
 If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
 appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
 on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
 Credit Limit increase requests. history. that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
 You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
 concerning the status of your Account. cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
 Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
 SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
 connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
 certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
 may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
 terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
 enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
 acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
 offer, which terms may modify or differ from the regular terms of this  you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
 Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
 necessary and all terms of this Agreement will remain applicable  in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
 except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
 offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
 as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
 of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
 immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
 the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
 law. each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
 outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
 DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
 under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
 Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
 option, from the date they are posted to your Account) and continue  (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
 to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
 a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
 you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
 statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
 them. However, the Grace Period will apply only in billing periods  recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
 when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
 previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
 is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
 statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
 adjustment, as appropriate.) When the Grace Period applies, we will  TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
 not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
 appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
 period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
 the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
 Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
 can avoid interest on Cash Advances or Balance Transfers. Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
 Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
 Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
 Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
 cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
 total purchase amount and accrued fees and charges that are  law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
 subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
 day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
 Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
 Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
 period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
 promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
 by such date, then the interest that has accrued from the date of  method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
 purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
 (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
 balance. eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
 disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
 FEES mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
 we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
 The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
 other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
 Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
 opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
 on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
 whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
 Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
 otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 amount of credit you initially have available for use. may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
 MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
 Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
 assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
 Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
 balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
 months your Account is open. Your payment of the Account  CLAIMS) (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
 Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
 our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
 lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
 Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
 impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
 cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
 added to your Cash Advance balance. we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
 enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
 review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
 submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
 hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
 non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
 is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
 information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
 in deciding a Claim. arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
 limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
 Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO   If we do not follow all of the rules above, you do not have to pay 
 (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
 relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
 your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
 oral or written statements related to your Account, including any  initial award requested by the appealing party. correct the problem with the merchant, you may have the right not to 
 Claims regarding information obtained by us from, or reported by us  NOTICE TO THE BUYER Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
 to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
 our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
 affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
 contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
 from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
 validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
 Agreement. remaining portions of this Arbitration Provision. If a conflict or    Atlanta, GA 30348-5374 services.)
 inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
 Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
 procedure, to file a Claim or for other information about JAMS and  Provision will control.  �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
 AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
 Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
 http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
 http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
 arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
 costs and expenses, including reasonable attorneys� fees, incurred by  misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
 the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
 you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
 the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
 filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
 will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
 for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
 attorneys�, experts� and witness fees, regardless of which party  prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
 prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
 from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
 determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
 arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
 schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
 please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
 AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
 fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
 reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
 be higher or lower than the cost of bringing your Claim in court,    responsible for the remainder of your balance.
 depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
 proceeds. Having more than one Claim and holding face to face  dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
 hearings can increase the cost of arbitration. Again, neither you nor 
 at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
 we will be permitted to arbitrate claims on a class wide (that is, on 
 governed by and construed in accordance with applicable    question or any interest or other fees related to that amount.
 other than an individual) basis. An arbitration proceeding can decide 
 federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
 only your or our Claims. You cannot join other parties (or consolidate 
 laws of Missouri (without regard to internal principles of conflict    the amount in question, along with applicable interest and fees.  
 Claims) except with respect to persons who use your Account. How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
 �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
 additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
   carrier that we send with your Card, any automatic payment plan 
 Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
 how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
 conditions below. that we send to you with your Agreement, any special credit terms 
   disclosures in the initial solicitation letter that we sent you and any 
 Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
 Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
 published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
 the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
 day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
 period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
 Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
 and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
 interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
 greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
 period immediately following the publication of the changed Prime 
 Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
 percentage rate of 36%. your use of the Account, or any payment made on the Account, 
   evidences your acceptance of the terms of this Agreement.
 Margins and Monthly Periodic Rates with Corresponding APRs:
   USING YOUR ACCOUNT You can use your Card to purchase or 
   lease goods or services (including mail, telephone and electronic 
   orders) from participating establishments (each a �Purchase�) up to 
   any credit limit we may establish for you (your �Credit Limit�). You can 
   also use your Card to obtain a cash loan (�Cash Advance�) by 
   presenting your Card to any institution that accepts the Card for that 
   purpose or by making a withdrawal of cash at an ATM. Transactions 
   made with your Account for things like money orders, deposits, wire 
   transfer money orders, travelers cheques, foreign currency and other 
   similar transactions, will be treated as Cash Advances. From time to 
   time, we may also permit you to obtain credit from us by making a 
   payment to another creditor of yours (�Balance Transfer�) using 
   forms or other means provided by us. Except as otherwise 
   specifically provided in this Agreement, a Balance Transfer generally 
   is treated as a Cash Advance, but the fees that may be imposed at 
   the time of transfer may differ from those applicable to Cash 
   Advances. You may use your Account only for personal, family, or 
   household purposes. You may not use your Card or your Account for 
   any illegal transaction or any gambling transaction. We may decline 
   transactions for any reason, including, but not limited to, operational 
   matters, default, or suspected fraudulent or unlawful activity. 
 Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
 the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
 are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
   difficulties or mistakes. We may limit the number and amount of 
 GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
 use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
 Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
 �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
 member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
 and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
 person whowas approved for the Account and, as appropriate, all  malfunctions.
 persons authorized to use the Account. �Application� refers to any (i) 
 written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
 otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
 Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
 under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
 payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
 only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
 attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
 YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
 that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
 authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
 cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
 Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
 general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
 pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
 increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
 received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
 receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
 can vary depending on how your payment is cleared. withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
 You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
 Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
 you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
 change (to set, increase, decrease or remove) the Credit Limit for  Account. Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
 your Account from time to time in accordance with this Agreement  payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
 and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
 without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
 including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
 record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
 established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
 in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
 account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
 Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
 If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
 appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
 on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
 Credit Limit increase requests. history. that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
 You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
 concerning the status of your Account. cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
 Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
 SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
 connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
 certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
 may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
 terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
 enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
 acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
 offer, which terms may modify or differ from the regular terms of this  you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
 Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
 necessary and all terms of this Agreement will remain applicable  in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
 except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
 offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
 as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
 of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
 immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
 the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
 law. each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
 outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
 DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
 under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
 Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
 option, from the date they are posted to your Account) and continue  (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
 to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
 a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
 you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
 statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
 them. However, the Grace Period will apply only in billing periods  recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
 when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
 previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
 is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
 statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
 adjustment, as appropriate.) When the Grace Period applies, we will  TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
 not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
 appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
 period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
 the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
 Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
 can avoid interest on Cash Advances or Balance Transfers. Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
 Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
 Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
 Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
 cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
 total purchase amount and accrued fees and charges that are  law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
 subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
 day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
 Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
 Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
 period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
 promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
 by such date, then the interest that has accrued from the date of  method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
 purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
 (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
 balance. eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
 disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
 FEES mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
 we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
 The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
 other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
 Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
 opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
 on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
 whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
 Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
 otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 amount of credit you initially have available for use. may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
 MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
 Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
 assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
 Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
 balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
 months your Account is open. Your payment of the Account  CLAIMS) (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
 Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
 our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
 lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
 Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
 impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
 cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
 added to your Cash Advance balance. we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
 enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
 review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
 submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
 hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
 non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
 is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
 information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
 in deciding a Claim. arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
 limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
 Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO   If we do not follow all of the rules above, you do not have to pay 
 (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
 relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
 your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
 oral or written statements related to your Account, including any  initial award requested by the appealing party. correct the problem with the merchant, you may have the right not to 
 Claims regarding information obtained by us from, or reported by us  NOTICE TO THE BUYER Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
 to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
 our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
 affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
 contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
 from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
 validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
 Agreement. remaining portions of this Arbitration Provision. If a conflict or    Atlanta, GA 30348-5374 services.)
 inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
 Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
 procedure, to file a Claim or for other information about JAMS and  Provision will control.  �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
 AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
 Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
 http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
 http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
 arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
 costs and expenses, including reasonable attorneys� fees, incurred by  misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
 the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
 you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
 the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
 filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
 will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
 for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
 attorneys�, experts� and witness fees, regardless of which party  prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
 prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
 from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
 determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
 arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
 schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
 please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
 AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
 fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
 reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
 be higher or lower than the cost of bringing your Claim in court,    responsible for the remainder of your balance.
 depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
 proceeds. Having more than one Claim and holding face to face  dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
 hearings can increase the cost of arbitration. Again, neither you nor  at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
 we will be permitted to arbitrate claims on a class wide (that is, on  governed by and construed in accordance with applicable    question or any interest or other fees related to that amount.
 other than an individual) basis. An arbitration proceeding can decide  federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
 only your or our Claims. You cannot join other parties (or consolidate  laws of Missouri (without regard to internal principles of conflict    the amount in question, along with applicable interest and fees.  
 Claims) except with respect to persons who use your Account.                                                                                                                           How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
                                                                                                                           �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
                                                                                                                           additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
                                                                                                                                                                   carrier that we send with your Card, any automatic payment plan 
                                                                                                                           Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
                                                                                                                           how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
                                                                                                                           conditions below.                       that we send to you with your Agreement, any special credit terms 
                                                                                                                                                                   disclosures in the initial solicitation letter that we sent you and any 
                                                                                                                           Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
                                                                                                                           Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
                                                                                                                           published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
                                                                                                                           the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
                                                                                                                           day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
                                                                                                                           period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
                                                                                                                           Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
                                                                                                                           and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
                                                                                                                           interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
                                                                                                                           greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
                                                                                                                           period immediately following the publication of the changed Prime 
                                                                                                                           Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
                                                                                                                           percentage rate of 36%.                 your use of the Account, or any payment made on the Account, 
                                                                                                                                                                   evidences your acceptance of the terms of this Agreement.
                                                                                                                           Margins and Monthly Periodic Rates with Corresponding APRs:
                                                                                                                                                                   USING YOUR ACCOUNT You can use your Card to purchase or 
                                                                                                                                                                   lease goods or services (including mail, telephone and electronic 
                                                                                                                                                                   orders) from participating establishments (each a �Purchase�) up to 
                                                                                                                                                                   any credit limit we may establish for you (your �Credit Limit�). You can 
                                                                                                                                                                   also use your Card to obtain a cash loan (�Cash Advance�) by 
                                                                                                                                                                   presenting your Card to any institution that accepts the Card for that 
                                                                                                                                                                   purpose or by making a withdrawal of cash at an ATM. Transactions 
                                                                                                                                                                   made with your Account for things like money orders, deposits, wire 
                                                                                                                                                                   transfer money orders, travelers cheques, foreign currency and other 
                                                                                                                                                                   similar transactions, will be treated as Cash Advances. From time to 
                                                                                                                                                                   time, we may also permit you to obtain credit from us by making a 
                                                                                                                                                                   payment to another creditor of yours (�Balance Transfer�) using 
                                                                                                                                                                   forms or other means provided by us. Except as otherwise 
                                                                                                                                                                   specifically provided in this Agreement, a Balance Transfer generally 
                                                                                                                                                                   is treated as a Cash Advance, but the fees that may be imposed at 
                                                                                                                                                                   the time of transfer may differ from those applicable to Cash 
                                                                                                                                                                   Advances. You may use your Account only for personal, family, or 
                                                                                                                                                                   household purposes. You may not use your Card or your Account for 
                                                                                                                                                                   any illegal transaction or any gambling transaction. We may decline 
                                                                                                                                                                   transactions for any reason, including, but not limited to, operational 
                                                                                                                                                                   matters, default, or suspected fraudulent or unlawful activity. 
                                                                                                                           Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
                                                                                                                           the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
                                                                                                                           are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
                                                                                                                                                                   difficulties or mistakes. We may limit the number and amount of 
                                                                                                                           GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
                                                                                                                           use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
                                                                                                                           Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
                                                                                                                           �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
                                                                                                                           member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
                                                                                                                           and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
                                                                                                                           person whowas approved for the Account and, as appropriate, all  malfunctions.
                                                                                                                           persons authorized to use the Account. �Application� refers to any (i) 
                                                                                                                           written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
                                                                                                                           otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
   Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
   under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
   payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
   only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
                                           attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
   YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
   that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
   authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
   cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
   Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
   general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
   pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
   increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
   received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
   receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
   can vary depending on how your payment is cleared.                              withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
                                           You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
   Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
   you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
   change (to set, increase, decrease or remove) the Credit Limit for  Account.    Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
   your Account from time to time in accordance with this Agreement                payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
   and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
   without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
   including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
   record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
   established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
   in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
   account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
                                           Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
   If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
   appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
   on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
   Credit Limit increase requests.         history.                                that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
                                                                                   Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
   You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
   concerning the status of your Account.  cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
                                           Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
   SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
   connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
   certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
   may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
   terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
   enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
   acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
   offer, which terms may modify or differ from the regular terms of this          you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
   Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
   necessary and all terms of this Agreement will remain applicable                in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
   except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
   offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
   as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
   of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
   immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
   the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
   law.                                    each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
                                           outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
   DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
   under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
   Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
   option, from the date they are posted to your Account) and continue             (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
   to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
   a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
   you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
   statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
   them. However, the Grace Period will apply only in billing periods              recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
   when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
   previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
   is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
   statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
   adjustment, as appropriate.) When the Grace Period applies, we will             TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
   not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
   appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
   period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
   the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
   Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
   can avoid interest on Cash Advances or Balance Transfers.                       Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
                                           Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
   Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
   Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
   cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
   total purchase amount and accrued fees and charges that are                     law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
   subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
   day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
   Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
   Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
   period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
   promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
   by such date, then the interest that has accrued from the date of               method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
   purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
   (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
   balance.                                eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
                                           disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
   FEES                                    mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
                                           we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
   The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
                                           other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
   Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
   opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
   on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
   date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
   whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
   Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
   otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
   amount of credit you initially have available for use.                                                                  may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
                                           MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
   Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
   assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
   Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
   balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
   months your Account is open. Your payment of the Account                                                                CLAIMS)                                 (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
   Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
   our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
                                           lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
   Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
   impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
   cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
   added to your Cash Advance balance.     we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
   enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
   review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
   submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
   hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
   non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
   is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
   information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
   in deciding a Claim.                    arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
                                           limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
   Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
   Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO                If we do not follow all of the rules above, you do not have to pay 
   (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
   relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
   your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
   oral or written statements related to your Account, including any  initial award requested by the appealing party.                                              correct the problem with the merchant, you may have the right not to 
   Claims regarding information obtained by us from, or reported by us             NOTICE TO THE BUYER                     Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
   to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
   our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
   affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
   contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
   from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
   validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
   Agreement.                              remaining portions of this Arbitration Provision. If a conflict or                Atlanta, GA 30348-5374                services.)
                                           inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
   Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
   procedure, to file a Claim or for other information about JAMS and  Provision will control.                              �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
   AAA, write them, visit their web site or call them at: (i) for JAMS, 1920       CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
   Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
   http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
   Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
   http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   costs and expenses, including reasonable attorneys� fees, incurred by           misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
   the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
   you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
   the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
   filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
   incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
   will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
   for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
   attorneys�, experts� and witness fees, regardless of which party                prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
   prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
   from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
   determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
   arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
   schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
   please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
   AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
   fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
   reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
   be higher or lower than the cost of bringing your Claim in court,                                                         responsible for the remainder of your balance.
   depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
   proceeds. Having more than one Claim and holding face to face 
                                           dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
   hearings can increase the cost of arbitration. Again, neither you nor 
                                           at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
   we will be permitted to arbitrate claims on a class wide (that is, on 
                                           governed by and construed in accordance with applicable                           question or any interest or other fees related to that amount.
   other than an individual) basis. An arbitration proceeding can decide 
                                           federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
   only your or our Claims. You cannot join other parties (or consolidate 
                                           laws of Missouri (without regard to internal principles of conflict               the amount in question, along with applicable interest and fees.  
   Claims) except with respect to persons who use your Account.                                                                                   How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
                                                                                   �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
                                                                                   additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
                                                                                                                           carrier that we send with your Card, any automatic payment plan 
                                                                                   Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
                                                                                   how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
                                                                                   conditions below.                       that we send to you with your Agreement, any special credit terms 
                                                                                                                           disclosures in the initial solicitation letter that we sent you and any 
                                                                                   Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
                                                                                   Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
                                                                                   published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
                                                                                   the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
                                                                                   day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
                                                                                   period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
                                                                                   Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
                                                                                   and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
                                                                                   interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
                                                                                   greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
                                                                                   period immediately following the publication of the changed Prime 
                                                                                   Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
                                                                                   percentage rate of 36%.                 your use of the Account, or any payment made on the Account, 
                                                                                                                           evidences your acceptance of the terms of this Agreement.
                                                                                   Margins and Monthly Periodic Rates with Corresponding APRs:
                                                                                                                           USING YOUR ACCOUNT You can use your Card to purchase or 
                                                                                                                           lease goods or services (including mail, telephone and electronic 
                                                                                                                           orders) from participating establishments (each a �Purchase�) up to 
                                                                                                                           any credit limit we may establish for you (your �Credit Limit�). You can 
                                                                                                                           also use your Card to obtain a cash loan (�Cash Advance�) by 
                                                                                                                           presenting your Card to any institution that accepts the Card for that 
                                                                                                                           purpose or by making a withdrawal of cash at an ATM. Transactions 
                                                                                                                           made with your Account for things like money orders, deposits, wire 
                                                                                                                           transfer money orders, travelers cheques, foreign currency and other 
                                                                                                                           similar transactions, will be treated as Cash Advances. From time to 
                                                                                                                           time, we may also permit you to obtain credit from us by making a 
                                                                                                                           payment to another creditor of yours (�Balance Transfer�) using 
                                                                                                                           forms or other means provided by us. Except as otherwise 
                                                                                                                           specifically provided in this Agreement, a Balance Transfer generally 
                                                                                                                           is treated as a Cash Advance, but the fees that may be imposed at 
                                                                                                                           the time of transfer may differ from those applicable to Cash 
                                                                                                                           Advances. You may use your Account only for personal, family, or 
                                                                                                                           household purposes. You may not use your Card or your Account for 
                                                                                                                           any illegal transaction or any gambling transaction. We may decline 
                                                                                                                           transactions for any reason, including, but not limited to, operational 
                                                                                                                           matters, default, or suspected fraudulent or unlawful activity. 
                                                                                   Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
                                                                                   the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
                                                                                   are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
                                                                                                                           difficulties or mistakes. We may limit the number and amount of 
                                                                                   GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
                                                                                   use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
                                                                                   Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
                                                                                   �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
                                                                                   member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
                                                                                   and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
                                                                                   person whowas approved for the Account and, as appropriate, all  malfunctions.
                                                                                   persons authorized to use the Account. �Application� refers to any (i) 
                                                                                   written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
                                                                                   otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
 Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
 under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
 payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
 only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
   attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
 YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
 that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
 authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
 cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
 Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
 general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
 pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
 increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
 received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
 receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
 can vary depending on how your payment is cleared. withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
   You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
 Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
 you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
 change (to set, increase, decrease or remove) the Credit Limit for  Account. Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
 your Account from time to time in accordance with this Agreement  payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
 and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
 without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
 including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
 record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
 established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
 in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
 account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
   Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
 If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
 appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
 on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
 Credit Limit increase requests. history.  that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
                                           Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
 You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
 concerning the status of your Account. cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
   Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
 SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
 connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
 certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
 may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
 terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
 enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
 acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
 offer, which terms may modify or differ from the regular terms of this  you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
 Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
 necessary and all terms of this Agreement will remain applicable  in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
 except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
 offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
 as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
 of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
 immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
 the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
 law. each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
   outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
 DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
 under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
 Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
 option, from the date they are posted to your Account) and continue  (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
 to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
 a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
 you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
 statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
 them. However, the Grace Period will apply only in billing periods  recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
 when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
 previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
 is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
 statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
 adjustment, as appropriate.) When the Grace Period applies, we will  TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
 not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
 appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
 period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
 the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
 Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
 can avoid interest on Cash Advances or Balance Transfers. Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
   Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
 Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
 Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
 cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
 total purchase amount and accrued fees and charges that are  law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
 subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
 day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
 Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
 Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
 period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
 promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
 by such date, then the interest that has accrued from the date of  method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
 purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
 (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
 balance. eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
   disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
 FEES mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
   we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
 The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
   other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
 Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
 opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
 on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
 whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
 Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
 otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 amount of credit you initially have available for use.                            may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
   MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
 Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
 assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
 Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
 balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
 months your Account is open. Your payment of the Account                          CLAIMS)                                 (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
 Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
 our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
   lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
 Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
 impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
 cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
 added to your Cash Advance balance. we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
 enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
 review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
 submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
 hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
 non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
 is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
 information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
 in deciding a Claim. arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
   limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
 Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO   If we do not follow all of the rules above, you do not have to pay 
 (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
 relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
 your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
 oral or written statements related to your Account, including any  initial award requested by the appealing party.        correct the problem with the merchant, you may have the right not to 
 Claims regarding information obtained by us from, or reported by us  NOTICE TO THE BUYER Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
 to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
 our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
 affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
 contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
 from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
 validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
 Agreement. remaining portions of this Arbitration Provision. If a conflict or       Atlanta, GA 30348-5374                services.)
   inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
 Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
 procedure, to file a Claim or for other information about JAMS and  Provision will control.  �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
 AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
 Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
 http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
 http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
 arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
 costs and expenses, including reasonable attorneys� fees, incurred by  misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
 the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
 you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
 the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
 filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
 will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
 for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
 attorneys�, experts� and witness fees, regardless of which party  prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
 prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
 from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
 determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
 arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
 schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
 please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
 AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
 fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
 reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
 be higher or lower than the cost of bringing your Claim in court,                   responsible for the remainder of your balance.
 depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
 proceeds. Having more than one Claim and holding face to face 
   dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
 hearings can increase the cost of arbitration. Again, neither you nor 
   at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
 we will be permitted to arbitrate claims on a class wide (that is, on 
   governed by and construed in accordance with applicable                           question or any interest or other fees related to that amount.
 other than an individual) basis. An arbitration proceeding can decide 
   federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
 only your or our Claims. You cannot join other parties (or consolidate 
   laws of Missouri (without regard to internal principles of conflict               the amount in question, along with applicable interest and fees.  
 Claims) except with respect to persons who use your Account.                                           How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
                                           �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
                                           additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
                                                                                   carrier that we send with your Card, any automatic payment plan 
                                           Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
                                           how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
                                           conditions below.                       that we send to you with your Agreement, any special credit terms 
                                                                                   disclosures in the initial solicitation letter that we sent you and any 
                                           Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
                                           Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
                                           published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
                                           the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
                                           day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
                                           period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
                                           Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
                                           and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
                                           interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
                                           greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
                                           period immediately following the publication of the changed Prime 
                                           Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
                                           percentage rate of 36%.                 your use of the Account, or any payment made on the Account, 
                                                                                   evidences your acceptance of the terms of this Agreement.
                                           Margins and Monthly Periodic Rates with Corresponding APRs:
                                                                                   USING YOUR ACCOUNT You can use your Card to purchase or 
                                                                                   lease goods or services (including mail, telephone and electronic 
                                                                                   orders) from participating establishments (each a �Purchase�) up to 
                                                                                   any credit limit we may establish for you (your �Credit Limit�). You can 
                                                                                   also use your Card to obtain a cash loan (�Cash Advance�) by 
                                                                                   presenting your Card to any institution that accepts the Card for that 
                                                                                   purpose or by making a withdrawal of cash at an ATM. Transactions 
                                                                                   made with your Account for things like money orders, deposits, wire 
                                                                                   transfer money orders, travelers cheques, foreign currency and other 
                                                                                   similar transactions, will be treated as Cash Advances. From time to 
                                                                                   time, we may also permit you to obtain credit from us by making a 
                                                                                   payment to another creditor of yours (�Balance Transfer�) using 
                                                                                   forms or other means provided by us. Except as otherwise 
                                                                                   specifically provided in this Agreement, a Balance Transfer generally 
                                                                                   is treated as a Cash Advance, but the fees that may be imposed at 
                                                                                   the time of transfer may differ from those applicable to Cash 
                                                                                   Advances. You may use your Account only for personal, family, or 
                                                                                   household purposes. You may not use your Card or your Account for 
                                                                                   any illegal transaction or any gambling transaction. We may decline 
                                                                                   transactions for any reason, including, but not limited to, operational 
                                                                                   matters, default, or suspected fraudulent or unlawful activity. 
                                           Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
                                           the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
                                           are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
                                                                                   difficulties or mistakes. We may limit the number and amount of 
                                           GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
                                           use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
                                           Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
                                           �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
                                           member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
                                           and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
                                           person whowas approved for the Account and, as appropriate, all  malfunctions.
                                           persons authorized to use the Account. �Application� refers to any (i) 
                                           written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
                                           otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
 Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
 under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
 payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
 only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
 attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
 YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
 that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
 authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
 cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
 Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
 general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
 pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
 increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
 received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
 receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
 can vary depending on how your payment is cleared. withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
 You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
 Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
 you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
 change (to set, increase, decrease or remove) the Credit Limit for  Account. Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
 your Account from time to time in accordance with this Agreement  payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
 and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
 without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
 including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
 record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
 established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
 in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
 account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
 Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
 If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
 appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
 on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
 Credit Limit increase requests. history. that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
   Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
 You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
 concerning the status of your Account. cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
 Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
 SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
 connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
 certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
 may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
 terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
 enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
 acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
 offer, which terms may modify or differ from the regular terms of this  you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
 Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
 necessary and all terms of this Agreement will remain applicable  in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
 except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
 offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
 as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
 of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
 immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
 the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
 law. each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
 outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
 DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
 under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
 Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
 option, from the date they are posted to your Account) and continue  (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
 to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
 a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
 you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
 statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
 them. However, the Grace Period will apply only in billing periods  recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
 when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
 previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
 is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
 statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
 adjustment, as appropriate.) When the Grace Period applies, we will  TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
 not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
 appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
 period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
 the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
 Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
 can avoid interest on Cash Advances or Balance Transfers. Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
 Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
 Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
 Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
 cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
 total purchase amount and accrued fees and charges that are  law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
 subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
 day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
 Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
 Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
 period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
 promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
 by such date, then the interest that has accrued from the date of  method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
 purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
 (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
 balance. eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
 disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
 FEES mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
 we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
 The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
 other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
 Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
 opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
 on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
 whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
 Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
 otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 amount of credit you initially have available for use. may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
 MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
 Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
 assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
 Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
 balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
 months your Account is open. Your payment of the Account  CLAIMS)                 (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
 Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
 our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
 lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
 Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
 impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
 cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
 added to your Cash Advance balance. we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
 enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
 review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
 submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
 hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
 non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
 is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
 information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
 in deciding a Claim. arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
 limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
 Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO   If we do not follow all of the rules above, you do not have to pay 
 (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
 relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
 your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
 oral or written statements related to your Account, including any  initial award requested by the appealing party. correct the problem with the merchant, you may have the right not to 
 Claims regarding information obtained by us from, or reported by us  NOTICE TO THE BUYER Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
 to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
 our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
 affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
 contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
 from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
 validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
 Agreement. remaining portions of this Arbitration Provision. If a conflict or    Atlanta, GA 30348-5374 services.)
 inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
 Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
 procedure, to file a Claim or for other information about JAMS and  Provision will control.  �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
 AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
 Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
 http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
 http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
 arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
 costs and expenses, including reasonable attorneys� fees, incurred by  misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
 the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
 you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
 the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
 filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
 will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
 for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
 attorneys�, experts� and witness fees, regardless of which party  prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
 prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
 from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
 determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
 arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
 schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
 please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
 AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
 fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
 reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
 be higher or lower than the cost of bringing your Claim in court, 
                                             responsible for the remainder of your balance.
 depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
 proceeds. Having more than one Claim and holding face to face 
 dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
 hearings can increase the cost of arbitration. Again, neither you nor 
 at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
 we will be permitted to arbitrate claims on a class wide (that is, on 
 governed by and construed in accordance with applicable    question or any interest or other fees related to that amount.
 other than an individual) basis. An arbitration proceeding can decide 
 federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
 only your or our Claims. You cannot join other parties (or consolidate 
 laws of Missouri (without regard to internal principles of conflict    the amount in question, along with applicable interest and fees.  
 Claims) except with respect to persons who use your Account.   How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
   �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
   additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
                                           carrier that we send with your Card, any automatic payment plan 
   Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
   how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
   conditions below.                       that we send to you with your Agreement, any special credit terms 
                                           disclosures in the initial solicitation letter that we sent you and any 
   Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
   Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
   published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
   the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
   day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
   period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
   Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
   and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
   interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
   greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
   period immediately following the publication of the changed Prime 
   Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
   percentage rate of 36%.                 your use of the Account, or any payment made on the Account, 
                                           evidences your acceptance of the terms of this Agreement.
   Margins and Monthly Periodic Rates with Corresponding APRs:
                                           USING YOUR ACCOUNT You can use your Card to purchase or 
                                           lease goods or services (including mail, telephone and electronic 
                                           orders) from participating establishments (each a �Purchase�) up to 
                                           any credit limit we may establish for you (your �Credit Limit�). You can 
                                           also use your Card to obtain a cash loan (�Cash Advance�) by 
                                           presenting your Card to any institution that accepts the Card for that 
                                           purpose or by making a withdrawal of cash at an ATM. Transactions 
                                           made with your Account for things like money orders, deposits, wire 
                                           transfer money orders, travelers cheques, foreign currency and other 
                                           similar transactions, will be treated as Cash Advances. From time to 
                                           time, we may also permit you to obtain credit from us by making a 
                                           payment to another creditor of yours (�Balance Transfer�) using 
                                           forms or other means provided by us. Except as otherwise 
                                           specifically provided in this Agreement, a Balance Transfer generally 
                                           is treated as a Cash Advance, but the fees that may be imposed at 
                                           the time of transfer may differ from those applicable to Cash 
                                           Advances. You may use your Account only for personal, family, or 
                                           household purposes. You may not use your Card or your Account for 
                                           any illegal transaction or any gambling transaction. We may decline 
                                           transactions for any reason, including, but not limited to, operational 
                                           matters, default, or suspected fraudulent or unlawful activity. 
   Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
   the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
   are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
                                           difficulties or mistakes. We may limit the number and amount of 
   GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
   use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
   Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
   �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
   member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
   and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
   person whowas approved for the Account and, as appropriate, all  malfunctions.
   persons authorized to use the Account. �Application� refers to any (i) 
   written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
   otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
 Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
 under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
 payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
 only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
 attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
 YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
 that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
 authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
 cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
 Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
 general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
 pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
 increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
 received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
 receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
 can vary depending on how your payment is cleared. withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
 You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
 Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
 you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
 change (to set, increase, decrease or remove) the Credit Limit for  Account. Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
 your Account from time to time in accordance with this Agreement  payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
 and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
 without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
 including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
 record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
 established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
 in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
 account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
 Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
 If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
 appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
 on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
 Credit Limit increase requests. history. that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
 You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
 concerning the status of your Account. cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
 Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
 SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
 connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
 certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
 may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
 terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
 enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
 acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
 offer, which terms may modify or differ from the regular terms of this  you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
 Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
 necessary and all terms of this Agreement will remain applicable  in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
 except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
 offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
 as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
 of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
 immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
 the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
 law. each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
 outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
 DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
 under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
 Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
 option, from the date they are posted to your Account) and continue  (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
 to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
 a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
 you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
 statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
 them. However, the Grace Period will apply only in billing periods  recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
 when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
 previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
 is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
 statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
 adjustment, as appropriate.) When the Grace Period applies, we will  TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
 not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
 appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
 period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
 the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
 Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
 can avoid interest on Cash Advances or Balance Transfers. Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
 Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
 Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
 Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
 cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
 total purchase amount and accrued fees and charges that are  law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
 subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
 day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
 Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
 Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
 period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
 promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
 by such date, then the interest that has accrued from the date of  method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
 purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
 (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
 balance. eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
 disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
 FEES mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
 we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
 The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
 other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
 Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
 opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
 on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
 whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
 Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
 otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 amount of credit you initially have available for use. may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
 MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
 Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
 assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
 Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
 balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
 months your Account is open. Your payment of the Account  CLAIMS) (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
 Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
 our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
 lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
 Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
 impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
 cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
 added to your Cash Advance balance. we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
 enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
 review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
 submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
 hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
 non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
 is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
 information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
 in deciding a Claim. arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
 limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
 Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO   If we do not follow all of the rules above, you do not have to pay 
 (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
 relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
 your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
 oral or written statements related to your Account, including any  initial award requested by the appealing party. correct the problem with the merchant, you may have the right not to 
 Claims regarding information obtained by us from, or reported by us  NOTICE TO THE BUYER Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
 to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
 our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
 affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
 contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
 from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
 validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
 Agreement. remaining portions of this Arbitration Provision. If a conflict or    Atlanta, GA 30348-5374 services.)
 inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
 Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
 procedure, to file a Claim or for other information about JAMS and  Provision will control.  �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
 AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
 Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
 http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
 http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
 arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
 costs and expenses, including reasonable attorneys� fees, incurred by  misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
 the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
 you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
 the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
 filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
 will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
 for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
 attorneys�, experts� and witness fees, regardless of which party  prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
 prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
 from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
 determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
 arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
 schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
 please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
 AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
 fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
 reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
 be higher or lower than the cost of bringing your Claim in court, 
     responsible for the remainder of your balance.
 depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
 proceeds. Having more than one Claim and holding face to face 
 dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
 hearings can increase the cost of arbitration. Again, neither you nor 
 at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
 we will be permitted to arbitrate claims on a class wide (that is, on 
 governed by and construed in accordance with applicable    question or any interest or other fees related to that amount.
 other than an individual) basis. An arbitration proceeding can decide 
 federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
 only your or our Claims. You cannot join other parties (or consolidate 
 laws of Missouri (without regard to internal principles of conflict    the amount in question, along with applicable interest and fees.  
 Claims) except with respect to persons who use your Account. How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
 �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
 additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
   carrier that we send with your Card, any automatic payment plan 
 Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
 how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
 conditions below. that we send to you with your Agreement, any special credit terms 
   disclosures in the initial solicitation letter that we sent you and any 
 Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
 Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
 published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
 the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
 day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
 period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
 Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
 and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
 interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
 greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
 period immediately following the publication of the changed Prime 
 Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
 percentage rate of 36%. your use of the Account, or any payment made on the Account, 
   evidences your acceptance of the terms of this Agreement.
 Margins and Monthly Periodic Rates with Corresponding APRs:
   USING YOUR ACCOUNT You can use your Card to purchase or 
   lease goods or services (including mail, telephone and electronic 
   orders) from participating establishments (each a �Purchase�) up to 
   any credit limit we may establish for you (your �Credit Limit�). You can 
   also use your Card to obtain a cash loan (�Cash Advance�) by 
   presenting your Card to any institution that accepts the Card for that 
   purpose or by making a withdrawal of cash at an ATM. Transactions 
   made with your Account for things like money orders, deposits, wire 
   transfer money orders, travelers cheques, foreign currency and other 
   similar transactions, will be treated as Cash Advances. From time to 
   time, we may also permit you to obtain credit from us by making a 
   payment to another creditor of yours (�Balance Transfer�) using 
   forms or other means provided by us. Except as otherwise 
   specifically provided in this Agreement, a Balance Transfer generally 
   is treated as a Cash Advance, but the fees that may be imposed at 
   the time of transfer may differ from those applicable to Cash 
   Advances. You may use your Account only for personal, family, or 
   household purposes. You may not use your Card or your Account for 
   any illegal transaction or any gambling transaction. We may decline 
   transactions for any reason, including, but not limited to, operational 
   matters, default, or suspected fraudulent or unlawful activity. 
 Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
 the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
 are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
   difficulties or mistakes. We may limit the number and amount of 
 GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
 use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
 Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
 �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
 member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
 and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
 person whowas approved for the Account and, as appropriate, all  malfunctions.
 persons authorized to use the Account. �Application� refers to any (i) 
 written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
 otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
 Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
 under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
 payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
 only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
 attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
 YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
 that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
 authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
 cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
 Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
 general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
 pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
 increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
 received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
 receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
 can vary depending on how your payment is cleared. withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
 You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
 Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
 you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
 change (to set, increase, decrease or remove) the Credit Limit for  Account. Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
 your Account from time to time in accordance with this Agreement  payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
 and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
 without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
 including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
 record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
 established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
 in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
 account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
 Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
 If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
 appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
 on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
 Credit Limit increase requests. history. that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
 You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
 concerning the status of your Account. cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
 Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
 SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
 connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
 certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
 may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
 terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
 enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
 acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
 offer, which terms may modify or differ from the regular terms of this  you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
 Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
 necessary and all terms of this Agreement will remain applicable  in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
 except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
 offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
 as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
 of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
 immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
 the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
 law. each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
 outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
 DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
 under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
 Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
 option, from the date they are posted to your Account) and continue  (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
 to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
 a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
 you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
 statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
 them. However, the Grace Period will apply only in billing periods  recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
 when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
 previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
 is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
 statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
 adjustment, as appropriate.) When the Grace Period applies, we will  TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
 not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
 appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
 period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
 the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
 Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
 can avoid interest on Cash Advances or Balance Transfers. Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
 Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
 Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
 Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
 cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
 total purchase amount and accrued fees and charges that are  law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
 subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
 day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
 Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
 Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
 period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
 promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
 by such date, then the interest that has accrued from the date of  method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
 purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
 (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
 balance. eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
 disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
 FEES mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
 we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
 The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
 other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
 Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
 opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
 on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
 whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
 Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
 otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 amount of credit you initially have available for use. may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
 MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
 Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
 assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
 Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
 balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
 months your Account is open. Your payment of the Account  CLAIMS) (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
 Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
 our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
 lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
 Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
 impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
 cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
 added to your Cash Advance balance. we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
 enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
 review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
 submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
 hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
 non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
 is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
 information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
 in deciding a Claim. arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
 limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
 Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO   If we do not follow all of the rules above, you do not have to pay 
 (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
 relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
 your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
 oral or written statements related to your Account, including any  initial award requested by the appealing party. correct the problem with the merchant, you may have the right not to 
 Claims regarding information obtained by us from, or reported by us  NOTICE TO THE BUYER Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
 to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
 our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
 affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
 contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
 from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
 validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
 Agreement. remaining portions of this Arbitration Provision. If a conflict or    Atlanta, GA 30348-5374 services.)
 inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
 Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
 procedure, to file a Claim or for other information about JAMS and  Provision will control.  �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
 AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
 Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
 http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
 http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
 arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
 costs and expenses, including reasonable attorneys� fees, incurred by  misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
 the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
 you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
 the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
 filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
 will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
 for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
 attorneys�, experts� and witness fees, regardless of which party  prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
 prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
 from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
 determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
 arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
 schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
 please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
 AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
 fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
 reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
 be higher or lower than the cost of bringing your Claim in court, 
   responsible for the remainder of your balance.
 depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
 proceeds. Having more than one Claim and holding face to face 
 dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
 hearings can increase the cost of arbitration. Again, neither you nor 
 at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
 we will be permitted to arbitrate claims on a class wide (that is, on 
 governed by and construed in accordance with applicable    question or any interest or other fees related to that amount.
 other than an individual) basis. An arbitration proceeding can decide 
 federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
 only your or our Claims. You cannot join other parties (or consolidate 
 laws of Missouri (without regard to internal principles of conflict    the amount in question, along with applicable interest and fees.  
 Claims) except with respect to persons who use your Account.                                                                                                                           How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
                                                                                                                           �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
                                                                                                                           additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
                                                                                                                                                                   carrier that we send with your Card, any automatic payment plan 
                                                                                                                           Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
                                                                                                                           how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
                                                                                                                           conditions below.                       that we send to you with your Agreement, any special credit terms 
                                                                                                                                                                   disclosures in the initial solicitation letter that we sent you and any 
                                                                                                                           Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
                                                                                                                           Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
                                                                                                                           published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
                                                                                                                           the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
                                                                                                                           day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
                                                                                                                           period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
                                                                                                                           Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
                                                                                                                           and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
                                                                                                                           interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
                                                                                                                           greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
                                                                                                                           period immediately following the publication of the changed Prime 
                                                                                                                           Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
                                                                                                                           percentage rate of 36%.                 your use of the Account, or any payment made on the Account, 
                                                                                                                                                                   evidences your acceptance of the terms of this Agreement.
                                                                                                                           Margins and Monthly Periodic Rates with Corresponding APRs:
                                                                                                                                                                   USING YOUR ACCOUNT You can use your Card to purchase or 
                                                                                                                                                                   lease goods or services (including mail, telephone and electronic 
                                                                                                                                                                   orders) from participating establishments (each a �Purchase�) up to 
                                                                                                                                                                   any credit limit we may establish for you (your �Credit Limit�). You can 
                                                                                                                                                                   also use your Card to obtain a cash loan (�Cash Advance�) by 
                                                                                                                                                                   presenting your Card to any institution that accepts the Card for that 
                                                                                                                                                                   purpose or by making a withdrawal of cash at an ATM. Transactions 
                                                                                                                                                                   made with your Account for things like money orders, deposits, wire 
                                                                                                                                                                   transfer money orders, travelers cheques, foreign currency and other 
                                                                                                                                                                   similar transactions, will be treated as Cash Advances. From time to 
                                                                                                                                                                   time, we may also permit you to obtain credit from us by making a 
                                                                                                                                                                   payment to another creditor of yours (�Balance Transfer�) using 
                                                                                                                                                                   forms or other means provided by us. Except as otherwise 
                                                                                                                                                                   specifically provided in this Agreement, a Balance Transfer generally 
                                                                                                                                                                   is treated as a Cash Advance, but the fees that may be imposed at 
                                                                                                                                                                   the time of transfer may differ from those applicable to Cash 
                                                                                                                                                                   Advances. You may use your Account only for personal, family, or 
                                                                                                                                                                   household purposes. You may not use your Card or your Account for 
                                                                                                                                                                   any illegal transaction or any gambling transaction. We may decline 
                                                                                                                                                                   transactions for any reason, including, but not limited to, operational 
                                                                                                                                                                   matters, default, or suspected fraudulent or unlawful activity. 
                                                                                                                           Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
                                                                                                                           the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
                                                                                                                           are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
                                                                                                                                                                   difficulties or mistakes. We may limit the number and amount of 
                                                                                                                           GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
                                                                                                                           use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
                                                                                                                           Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
                                                                                                                           �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
                                                                                                                           member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
                                                                                                                           and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
                                                                                                                           person whowas approved for the Account and, as appropriate, all  malfunctions.
                                                                                                                           persons authorized to use the Account. �Application� refers to any (i) 
                                                                                                                           written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
                                                                                                                           otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
   Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
   under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
   payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
   only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
                                           attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
   YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
   that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
   authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
   cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
   Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
   general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
   pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
   increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
   received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
   receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
   can vary depending on how your payment is cleared.                              withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
                                           You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
   Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
   you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
   change (to set, increase, decrease or remove) the Credit Limit for  Account.    Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
   your Account from time to time in accordance with this Agreement                payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
   and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
   without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
   including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
   record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
   established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
   in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
   account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
                                           Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
   If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
   appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
   on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
   Credit Limit increase requests.         history.                                that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
                                                                                   Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
   You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
   concerning the status of your Account.  cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
                                           Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
   SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
   connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
   certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
   may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
   terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
   enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
   acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
   offer, which terms may modify or differ from the regular terms of this          you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
   Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
   necessary and all terms of this Agreement will remain applicable                in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
   except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
   offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
   as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
   of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
   immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
   the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
   law.                                    each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
                                           outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
   DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
   under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
   Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
   option, from the date they are posted to your Account) and continue             (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
   to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
   a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
   you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
   statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
   them. However, the Grace Period will apply only in billing periods              recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
   when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
   previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
   is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
   statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
   adjustment, as appropriate.) When the Grace Period applies, we will             TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
   not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
   appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
   period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
   the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
   Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
   can avoid interest on Cash Advances or Balance Transfers.                       Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
                                           Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
   Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
   Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
   cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
   total purchase amount and accrued fees and charges that are                     law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
   subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
   day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
   Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
   Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
   period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
   promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
   by such date, then the interest that has accrued from the date of               method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
   purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
   (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
   balance.                                eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
                                           disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
   FEES                                    mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
                                           we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
   The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
                                           other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
   Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
   opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
   on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
   date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
   whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
   Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
   otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
   amount of credit you initially have available for use.                                                                  may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
                                           MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
   Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
   assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
   Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
   balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
   months your Account is open. Your payment of the Account                                                                CLAIMS)                                 (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
   Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
   our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
                                           lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
   Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
   impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
   cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
   added to your Cash Advance balance.     we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
   enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
   review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
   submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
   hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
   non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
   is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
   information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
   in deciding a Claim.                    arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
                                           limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
   Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
   Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO                If we do not follow all of the rules above, you do not have to pay 
   (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
   relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
   your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
   oral or written statements related to your Account, including any  initial award requested by the appealing party.                                              correct the problem with the merchant, you may have the right not to 
   Claims regarding information obtained by us from, or reported by us             NOTICE TO THE BUYER                     Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
   to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
   our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
   affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
   contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
   from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
   validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
   Agreement.                              remaining portions of this Arbitration Provision. If a conflict or                Atlanta, GA 30348-5374                services.)
                                           inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
   Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
   procedure, to file a Claim or for other information about JAMS and  Provision will control.                              �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
   AAA, write them, visit their web site or call them at: (i) for JAMS, 1920       CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
   Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
   http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
   Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
   http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
   arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
   costs and expenses, including reasonable attorneys� fees, incurred by           misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
   the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
   you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
   the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
   filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
   incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
   will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
   for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
   attorneys�, experts� and witness fees, regardless of which party                prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
   prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
   from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
   determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
   arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
   schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
   please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
   AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
   fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
   reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
   be higher or lower than the cost of bringing your Claim in court,                                                         responsible for the remainder of your balance.
   depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
   proceeds. Having more than one Claim and holding face to face  dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
   hearings can increase the cost of arbitration. Again, neither you nor 
                                           at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
   we will be permitted to arbitrate claims on a class wide (that is, on 
                                           governed by and construed in accordance with applicable                           question or any interest or other fees related to that amount.
   other than an individual) basis. An arbitration proceeding can decide 
                                           federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
   only your or our Claims. You cannot join other parties (or consolidate 
                                           laws of Missouri (without regard to internal principles of conflict               the amount in question, along with applicable interest and fees.  
   Claims) except with respect to persons who use your Account.                                                                                   How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
                                                                                   �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
                                                                                   additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
                                                                                                                           carrier that we send with your Card, any automatic payment plan 
                                                                                   Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
                                                                                   how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
                                                                                   conditions below.                       that we send to you with your Agreement, any special credit terms 
                                                                                                                           disclosures in the initial solicitation letter that we sent you and any 
                                                                                   Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
                                                                                   Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
                                                                                   published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
                                                                                   the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
                                                                                   day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
                                                                                   period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
                                                                                   Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
                                                                                   and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
                                                                                   interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
                                                                                   greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
                                                                                   period immediately following the publication of the changed Prime 
                                                                                   Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
                                                                                   percentage rate of 36%.                 your use of the Account, or any payment made on the Account, 
                                                                                                                           evidences your acceptance of the terms of this Agreement.
                                                                                   Margins and Monthly Periodic Rates with Corresponding APRs:
                                                                                                                           USING YOUR ACCOUNT You can use your Card to purchase or 
                                                                                                                           lease goods or services (including mail, telephone and electronic 
                                                                                                                           orders) from participating establishments (each a �Purchase�) up to 
                                                                                                                           any credit limit we may establish for you (your �Credit Limit�). You can 
                                                                                                                           also use your Card to obtain a cash loan (�Cash Advance�) by 
                                                                                                                           presenting your Card to any institution that accepts the Card for that 
                                                                                                                           purpose or by making a withdrawal of cash at an ATM. Transactions 
                                                                                                                           made with your Account for things like money orders, deposits, wire 
                                                                                                                           transfer money orders, travelers cheques, foreign currency and other 
                                                                                                                           similar transactions, will be treated as Cash Advances. From time to 
                                                                                                                           time, we may also permit you to obtain credit from us by making a 
                                                                                                                           payment to another creditor of yours (�Balance Transfer�) using 
                                                                                                                           forms or other means provided by us. Except as otherwise 
                                                                                                                           specifically provided in this Agreement, a Balance Transfer generally 
                                                                                                                           is treated as a Cash Advance, but the fees that may be imposed at 
                                                                                                                           the time of transfer may differ from those applicable to Cash 
                                                                                                                           Advances. You may use your Account only for personal, family, or 
                                                                                                                           household purposes. You may not use your Card or your Account for 
                                                                                                                           any illegal transaction or any gambling transaction. We may decline 
                                                                                                                           transactions for any reason, including, but not limited to, operational 
                                                                                                                           matters, default, or suspected fraudulent or unlawful activity. 
                                                                                   Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
                                                                                   the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
                                                                                   are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
                                                                                                                           difficulties or mistakes. We may limit the number and amount of 
                                                                                   GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
                                                                                   use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
                                                                                   Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
                                                                                   �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
                                                                                   member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
                                                                                   and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
                                                                                   person whowas approved for the Account and, as appropriate, all  malfunctions.
                                                                                   persons authorized to use the Account. �Application� refers to any (i) 
                                                                                   written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
                                                                                   otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
 Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
 under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
 payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
 only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
   attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
 YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
 that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
 authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
 cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
 Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
 general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
 pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
 increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
 received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
 receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
 can vary depending on how your payment is cleared. withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
   You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
 Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
 you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
 change (to set, increase, decrease or remove) the Credit Limit for  Account. Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
 your Account from time to time in accordance with this Agreement  payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
 and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
 without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
 including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
 record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
 established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
 in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
 account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
   Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
 If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
 appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
 on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
 Credit Limit increase requests. history.  that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
                                           Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
 You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
 concerning the status of your Account. cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
   Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
 SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
 connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
 certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
 may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
 terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
 enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
 acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
 offer, which terms may modify or differ from the regular terms of this  you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
 Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
 necessary and all terms of this Agreement will remain applicable  in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
 except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
 offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
 as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
 of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
 immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
 the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
 law. each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
   outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
 DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
 under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
 Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
 option, from the date they are posted to your Account) and continue  (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
 to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
 a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
 you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
 statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
 them. However, the Grace Period will apply only in billing periods  recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
 when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
 previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
 is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
 statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
 adjustment, as appropriate.) When the Grace Period applies, we will  TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
 not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
 appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
 period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
 the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
 Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
 can avoid interest on Cash Advances or Balance Transfers. Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
   Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
 Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
 Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
 cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
 total purchase amount and accrued fees and charges that are  law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
 subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
 day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
 Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
 Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
 period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
 promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
 by such date, then the interest that has accrued from the date of  method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
 purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
 (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
 balance. eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
   disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
 FEES mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
   we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
 The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
   other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
 Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
 opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
 on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
 whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
 Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
 otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 amount of credit you initially have available for use.                            may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
   MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
 Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
 assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
 Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
 balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
 months your Account is open. Your payment of the Account                          CLAIMS)                                 (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
 Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
 our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
   lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
 Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
 impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
 cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
 added to your Cash Advance balance. we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
 enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
 review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
 submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
 hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
 non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
 is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
 information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
 in deciding a Claim. arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
   limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
 Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO   If we do not follow all of the rules above, you do not have to pay 
 (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
 relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
 your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
 oral or written statements related to your Account, including any  initial award requested by the appealing party.        correct the problem with the merchant, you may have the right not to 
 Claims regarding information obtained by us from, or reported by us  NOTICE TO THE BUYER Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
 to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
 our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
 affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
 contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
 from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
 validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
 Agreement. remaining portions of this Arbitration Provision. If a conflict or       Atlanta, GA 30348-5374                services.)
   inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
 Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
 procedure, to file a Claim or for other information about JAMS and  Provision will control.  �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
 AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
 Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
 http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
 http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
 arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
 costs and expenses, including reasonable attorneys� fees, incurred by  misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
 the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
 you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
 the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
 filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
 will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
 for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
 attorneys�, experts� and witness fees, regardless of which party  prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
 prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
 from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
 determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
 arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
 schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
 please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
 AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
 fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
 reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
 be higher or lower than the cost of bringing your Claim in court,                   responsible for the remainder of your balance.
 depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
 proceeds. Having more than one Claim and holding face to face  dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
 hearings can increase the cost of arbitration. Again, neither you nor  at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
 we will be permitted to arbitrate claims on a class wide (that is, on  governed by and construed in accordance with applicable    question or any interest or other fees related to that amount.
 other than an individual) basis. An arbitration proceeding can decide  federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
 only your or our Claims. You cannot join other parties (or consolidate  laws of Missouri (without regard to internal principles of conflict    the amount in question, along with applicable interest and fees.  
 Claims) except with respect to persons who use your Account.                                           How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
                                           �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
                                           additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
                                                                                   carrier that we send with your Card, any automatic payment plan 
                                           Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
                                           how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
                                           conditions below.                       that we send to you with your Agreement, any special credit terms 
                                                                                   disclosures in the initial solicitation letter that we sent you and any 
                                           Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
                                           Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
                                           published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
                                           the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
                                           day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
                                           period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
                                           Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
                                           and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
                                           interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
                                           greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
                                           period immediately following the publication of the changed Prime 
                                           Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
                                           percentage rate of 36%.                 your use of the Account, or any payment made on the Account, 
                                                                                   evidences your acceptance of the terms of this Agreement.
                                           Margins and Monthly Periodic Rates with Corresponding APRs:
                                                                                   USING YOUR ACCOUNT You can use your Card to purchase or 
                                                                                   lease goods or services (including mail, telephone and electronic 
                                                                                   orders) from participating establishments (each a �Purchase�) up to 
                                                                                   any credit limit we may establish for you (your �Credit Limit�). You can 
                                                                                   also use your Card to obtain a cash loan (�Cash Advance�) by 
                                                                                   presenting your Card to any institution that accepts the Card for that 
                                                                                   purpose or by making a withdrawal of cash at an ATM. Transactions 
                                                                                   made with your Account for things like money orders, deposits, wire 
                                                                                   transfer money orders, travelers cheques, foreign currency and other 
                                                                                   similar transactions, will be treated as Cash Advances. From time to 
                                                                                   time, we may also permit you to obtain credit from us by making a 
                                                                                   payment to another creditor of yours (�Balance Transfer�) using 
                                                                                   forms or other means provided by us. Except as otherwise 
                                                                                   specifically provided in this Agreement, a Balance Transfer generally 
                                                                                   is treated as a Cash Advance, but the fees that may be imposed at 
                                                                                   the time of transfer may differ from those applicable to Cash 
                                                                                   Advances. You may use your Account only for personal, family, or 
                                                                                   household purposes. You may not use your Card or your Account for 
                                                                                   any illegal transaction or any gambling transaction. We may decline 
                                                                                   transactions for any reason, including, but not limited to, operational 
                                                                                   matters, default, or suspected fraudulent or unlawful activity. 
                                           Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
                                           the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
                                           are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
                                                                                   difficulties or mistakes. We may limit the number and amount of 
                                           GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
                                           use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
                                           Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
                                           �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
                                           member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
                                           and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
                                           person whowas approved for the Account and, as appropriate, all  malfunctions.
                                           persons authorized to use the Account. �Application� refers to any (i) 
                                           written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
                                           otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
 Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
 under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
 payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
 only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
 attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
 YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
 that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
 authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
 cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
 Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
 general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
 pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
 increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
 received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
 receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
 can vary depending on how your payment is cleared. withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
 You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
 Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
 you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
 change (to set, increase, decrease or remove) the Credit Limit for  Account. Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
 your Account from time to time in accordance with this Agreement  payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
 and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
 without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
 including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
 record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
 established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
 in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
 account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
 Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
 If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
 appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
 on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
 Credit Limit increase requests. history. that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
   Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
 You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
 concerning the status of your Account. cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
 Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
 SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
 connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
 certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
 may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
 terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
 enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
 acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
 offer, which terms may modify or differ from the regular terms of this  you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
 Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
 necessary and all terms of this Agreement will remain applicable  in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
 except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
 offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
 as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
 of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
 immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
 the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
 law. each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
 outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
 DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
 under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
 Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
 option, from the date they are posted to your Account) and continue  (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
 to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
 a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
 you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
 statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
 them. However, the Grace Period will apply only in billing periods  recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
 when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
 previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
 is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
 statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
 adjustment, as appropriate.) When the Grace Period applies, we will  TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
 not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
 appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
 period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
 the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
 Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
 can avoid interest on Cash Advances or Balance Transfers. Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
 Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
 Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
 Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
 cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
 total purchase amount and accrued fees and charges that are  law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
 subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
 day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
 Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
 Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
 period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
 promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
 by such date, then the interest that has accrued from the date of  method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
 purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
 (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
 balance. eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
 disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
 FEES mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
 we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
 The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
 other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
 Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
 opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
 on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
 whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
 Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
 otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 amount of credit you initially have available for use. may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
 MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
 Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
 assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
 Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
 balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
 months your Account is open. Your payment of the Account  CLAIMS)                 (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
 Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
 our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
 lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
 Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
 impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
 cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
 added to your Cash Advance balance. we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
 enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
 review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
 submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
 hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
 non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
 is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
 information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
 in deciding a Claim. arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
 limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
 Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO   If we do not follow all of the rules above, you do not have to pay 
 (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
 relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
 your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
 oral or written statements related to your Account, including any  initial award requested by the appealing party. correct the problem with the merchant, you may have the right not to 
 Claims regarding information obtained by us from, or reported by us  NOTICE TO THE BUYER Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
 to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
 our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
 affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
 contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
 from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
 validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
 Agreement. remaining portions of this Arbitration Provision. If a conflict or    Atlanta, GA 30348-5374 services.)
 inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
 Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
 procedure, to file a Claim or for other information about JAMS and  Provision will control.  �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
 AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
 Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
 http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
 http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
 arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
 costs and expenses, including reasonable attorneys� fees, incurred by  misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
 the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
 you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
 the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
 filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
 will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
 for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
 attorneys�, experts� and witness fees, regardless of which party  prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
 prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
 from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
 determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
 arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
 schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
 please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
 AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
 fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
 reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
 be higher or lower than the cost of bringing your Claim in court,    responsible for the remainder of your balance.
 depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
 proceeds. Having more than one Claim and holding face to face  dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
 hearings can increase the cost of arbitration. Again, neither you nor  at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
 we will be permitted to arbitrate claims on a class wide (that is, on  governed by and construed in accordance with applicable    question or any interest or other fees related to that amount.
 other than an individual) basis. An arbitration proceeding can decide  federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
 only your or our Claims. You cannot join other parties (or consolidate  laws of Missouri (without regard to internal principles of conflict    the amount in question, along with applicable interest and fees.  
 Claims) except with respect to persons who use your Account.   How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
   �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
   additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
                                           carrier that we send with your Card, any automatic payment plan 
   Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
   how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
   conditions below.                       that we send to you with your Agreement, any special credit terms 
                                           disclosures in the initial solicitation letter that we sent you and any 
   Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
   Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
   published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
   the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
   day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
   period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
   Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
   and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
   interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
   greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
   period immediately following the publication of the changed Prime 
   Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
   percentage rate of 36%.                 your use of the Account, or any payment made on the Account, 
                                           evidences your acceptance of the terms of this Agreement.
   Margins and Monthly Periodic Rates with Corresponding APRs:
                                           USING YOUR ACCOUNT You can use your Card to purchase or 
                                           lease goods or services (including mail, telephone and electronic 
                                           orders) from participating establishments (each a �Purchase�) up to 
                                           any credit limit we may establish for you (your �Credit Limit�). You can 
                                           also use your Card to obtain a cash loan (�Cash Advance�) by 
                                           presenting your Card to any institution that accepts the Card for that 
                                           purpose or by making a withdrawal of cash at an ATM. Transactions 
                                           made with your Account for things like money orders, deposits, wire 
                                           transfer money orders, travelers cheques, foreign currency and other 
                                           similar transactions, will be treated as Cash Advances. From time to 
                                           time, we may also permit you to obtain credit from us by making a 
                                           payment to another creditor of yours (�Balance Transfer�) using 
                                           forms or other means provided by us. Except as otherwise 
                                           specifically provided in this Agreement, a Balance Transfer generally 
                                           is treated as a Cash Advance, but the fees that may be imposed at 
                                           the time of transfer may differ from those applicable to Cash 
                                           Advances. You may use your Account only for personal, family, or 
                                           household purposes. You may not use your Card or your Account for 
                                           any illegal transaction or any gambling transaction. We may decline 
                                           transactions for any reason, including, but not limited to, operational 
                                           matters, default, or suspected fraudulent or unlawful activity. 
   Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
   the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
   are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
                                           difficulties or mistakes. We may limit the number and amount of 
   GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
   use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
   Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
   �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
   member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
   and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
   person whowas approved for the Account and, as appropriate, all  malfunctions.
   persons authorized to use the Account. �Application� refers to any (i) 
   written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
   otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
 Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
 under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
 payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
 only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
 attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
 YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
 that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
 authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
 cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
 Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
 general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
 pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
 increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
 received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
 receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
 can vary depending on how your payment is cleared. withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
 You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
 Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
 you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
 change (to set, increase, decrease or remove) the Credit Limit for  Account. Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
 your Account from time to time in accordance with this Agreement  payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
 and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
 without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
 including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
 record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
 established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
 in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
 account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
 Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
 If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
 appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
 on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
 Credit Limit increase requests. history. that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
 You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
 concerning the status of your Account. cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
 Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
 SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
 connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
 certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
 may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
 terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
 enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
 acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
 offer, which terms may modify or differ from the regular terms of this  you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
 Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
 necessary and all terms of this Agreement will remain applicable  in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
 except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
 offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
 as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
 of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
 immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
 the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
 law. each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
 outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
 DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
 under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
 Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
 option, from the date they are posted to your Account) and continue  (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
 to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
 a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
 you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
 statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
 them. However, the Grace Period will apply only in billing periods  recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
 when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
 previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
 is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
 statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
 adjustment, as appropriate.) When the Grace Period applies, we will  TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
 not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
 appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
 period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
 the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
 Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
 can avoid interest on Cash Advances or Balance Transfers. Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
 Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
 Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
 Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
 cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
 total purchase amount and accrued fees and charges that are  law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
 subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
 day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
 Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
 Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
 period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
 promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
 by such date, then the interest that has accrued from the date of  method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
 purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
 (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
 balance. eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
 disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
 FEES mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
 we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
 The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
 other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
 Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
 opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
 on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
 whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
 Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
 otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 amount of credit you initially have available for use. may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
 MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
 Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
 assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
 Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
 balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
 months your Account is open. Your payment of the Account  CLAIMS) (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
 Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
 our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
 lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
 Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
 impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
 cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
 added to your Cash Advance balance. we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
 enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
 review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
 submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
 hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
 non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
 is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
 information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
 in deciding a Claim. arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
 limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
 Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO   If we do not follow all of the rules above, you do not have to pay 
 (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
 relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
 your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
 oral or written statements related to your Account, including any  initial award requested by the appealing party. correct the problem with the merchant, you may have the right not to 
 Claims regarding information obtained by us from, or reported by us  NOTICE TO THE BUYER Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
 to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
 our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
 affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
 contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
 from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
 validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
 Agreement. remaining portions of this Arbitration Provision. If a conflict or    Atlanta, GA 30348-5374 services.)
 inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
 Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
 procedure, to file a Claim or for other information about JAMS and  Provision will control.  �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
 AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
 Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
 http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
 http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
 arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
 costs and expenses, including reasonable attorneys� fees, incurred by  misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
 the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
 you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
 the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
 filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
 will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
 for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
 attorneys�, experts� and witness fees, regardless of which party  prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
 prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
 from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
 determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
 arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
 schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
 please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
 AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
 fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
 reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
 be higher or lower than the cost of bringing your Claim in court,    responsible for the remainder of your balance.
 depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
 proceeds. Having more than one Claim and holding face to face  dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
 hearings can increase the cost of arbitration. Again, neither you nor  at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
 we will be permitted to arbitrate claims on a class wide (that is, on  governed by and construed in accordance with applicable    question or any interest or other fees related to that amount.
 other than an individual) basis. An arbitration proceeding can decide  federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
 only your or our Claims. You cannot join other parties (or consolidate  laws of Missouri (without regard to internal principles of conflict    the amount in question, along with applicable interest and fees.  
 Claims) except with respect to persons who use your Account. How We Will Calculate Your Balance: We use a method called  a Card, resulting in this Account. �Card� refers to any credit card, 
 �average daily balance (including new transactions).� See the  Account number or other credit access device (including any 
 additional terms and conditions below for more details. convenience check) that we issue to you. Your Application, any Card 
   carrier that we send with your Card, any automatic payment plan 
 Billing Rights: Information on your rights to dispute transactions and  form, any other written documents (including any electronic record) 
 how to exercise those rights is provided in the additional terms and  evidencing any transactions made under your Account, any notices 
 conditions below. that we send to you with your Agreement, any special credit terms 
   disclosures in the initial solicitation letter that we sent you and any 
 Variable Rate: Your APRs will vary with the market based on the  special credit terms subsequently disclosed to you in writing, are part 
 Prime Rate. The Prime Rate is the highest bank prime loan rate as  of and incorporated into this Agreement. Please read and keep these 
 published by the Wall Street Journal in its Money Rates Section on  documents for your records. This Agreement begins on the earlier of 
 the 25th day (or the next business day if the 25th is not a business  (a) the date we finally approve your Application for credit or (b) the 
 day) of the calendar month preceding the first day of the billing  first date that we extend credit to you or someone authorized by you 
 period. Your Periodic Rate(s) and corresponding Annual Percentage  on your Account. This Agreement includes an Agreement to 
 Rate(s) will change if the Prime Rate changes. If the Periodic Rate(s)  Arbitrate Claims (see �Arbitration Provision� below). Where the 
 and corresponding Annual Percentage Rate(s) increase, your  terms of this Agreement differ from any special terms that we offer to 
 interest charges will increase and your minimum payment may be  you in writing, the special terms offered will control, but all other terms 
 greater. A change in the Periodic Rate(s) will take effect the billing  of this Agreement will remain unchanged.
 period immediately following the publication of the changed Prime 
 Rate. The rates under this Agreement will not exceed an annual  ACCEPTANCE OF THIS AGREEMENT Your activation of your Card, 
 percentage rate of 36%. your use of the Account, or any payment made on the Account, 
   evidences your acceptance of the terms of this Agreement.
 Margins and Monthly Periodic Rates with Corresponding APRs:
   USING YOUR ACCOUNT You can use your Card to purchase or 
   lease goods or services (including mail, telephone and electronic 
   orders) from participating establishments (each a �Purchase�) up to 
   any credit limit we may establish for you (your �Credit Limit�). You can 
   also use your Card to obtain a cash loan (�Cash Advance�) by 
   presenting your Card to any institution that accepts the Card for that 
   purpose or by making a withdrawal of cash at an ATM. Transactions 
   made with your Account for things like money orders, deposits, wire 
   transfer money orders, travelers cheques, foreign currency and other 
   similar transactions, will be treated as Cash Advances. From time to 
   time, we may also permit you to obtain credit from us by making a 
   payment to another creditor of yours (�Balance Transfer�) using 
   forms or other means provided by us. Except as otherwise 
   specifically provided in this Agreement, a Balance Transfer generally 
   is treated as a Cash Advance, but the fees that may be imposed at 
   the time of transfer may differ from those applicable to Cash 
   Advances. You may use your Account only for personal, family, or 
   household purposes. You may not use your Card or your Account for 
   any illegal transaction or any gambling transaction. We may decline 
   transactions for any reason, including, but not limited to, operational 
   matters, default, or suspected fraudulent or unlawful activity. 
 Periodic Rates and corresponding APRs are determined by adding  Transactions above a certain dollar amount may require 
 the Prime Rate to the Margin set forth above.  Monthly Periodic Rates  authorization by us before the transaction can be approved. We will 
 are determined by dividing your APRs by 12. not be liable for the failure to authorize credit because of operational 
   difficulties or mistakes. We may limit the number and amount of 
 GENERAL This Cardholder Agreement (�Agreement�) governs the  transactions approved in one day for security reasons, without any 
 use of your revolving credit account (your �Account�). In this  liability to you. We are not responsible for any losses associated with 
 Agreement and in your monthly billing statement (�Statement�), �we,�  a declined transaction.
 �us,� �our� and �Bank� refer to Mid America Bank and Trust Company, 
 member FDIC, including, as applicable, our successors, assignees  HONORING YOUR CARD We are not liable if a merchant, ATM or 
 and representatives. �You,� �your� and �Cardholder� refer to the  other institution does not honor your Card, or if your Card 
 person whowas approved for the Account and, as appropriate, all  malfunctions.
 persons authorized to use the Account. �Application� refers to any (i) 
 written or electronic application or acceptance that you signed or  PROMISE TO PAY You agree to be bound by the terms and 
 otherwise submitted for this Account or (ii) oral request for credit and  conditions of this Agreement. You promise to pay for all Purchases, 
 Cash Advances, Balance Transfers and all other amounts owed to us  Date; (ii) exceed your Credit Limit without permission; (iii) tender a  your Credit Line. If your New Balance is less than your Minimum  Right to Stop Payment and Procedure For Doing So: If you have  Transfers, convenience checks and other promotions) prior to 
 under the terms of this Agreement. You promise to make all  payment on your Account and your payment is returned to us unpaid  Payment, your New Balance is due in full. You may at any time make  scheduled monthly payments through the Automatic Payment Plan,  non-promotional balances.
 payments in U.S. dollars and to submit for payment of your Account  or otherwise rejected for any reason; (iv) become subject to  additional payments without penalty. you can tell us to stop any of these payments by calling Customer 
 only checks or other items drawn on U.S. financial institutions. bankruptcy or insolvency proceedings; (v) become subject to  Service at the telephone number shown on your monthly statement,  Disputed Payments�Postdated Checks, Restrictive Endorsement 
 attachment or garnishment proceedings; (vi) give us any misleading,  Authorization Agreement for Automatic Payments If you enrolled  by sending an e-mail to cs@fortivaservicing.com or by writing to us at  Checks and Other Disputed or Qualified Payments You agree not 
 YOUR CREDIT LIMIT You agree not to use your Account in any way  false, incomplete or incorrect information or false or fraudulent  in the Automatic Payment Plan, you acknowledge and agree to the  Customer Service--Automatic Payment Plan Department, P.O. Box  to send us partial payments marked �paid in full,� �without recourse,� 
 that would cause you to go over your Credit Limit. We may refuse to  signature; (vii) die; or (viii) fail to comply with any term of this  following: (1) You authorize us to initiate electronic funds transfers  105555, Atlanta, GA 30348-5555. If you send us an email or write to  or similar language. If you send such a payment, we may accept it 
 authorize or accept any transaction on your Account that would  Agreement or any other agreement that you have with us. Subject to  (EFTs) by debit entries drawn on the bank account, debit or credit  us, your request must reach us at least 5 business days before the  without losing any of our rights under this Agreement. All notices 
 cause you to exceed your Credit Limit. We may establish different  any notice of default and right to cure or other limitation of applicable  card you have identified to us in your application for this Account or  scheduled Payment Due Date. If you call us, we may require you to  and written communications concerning postdated checks, 
 Credit Limits for different features of your Account in addition to a  law, if you are in default, we may, in addition to any other rights that  any other account that you identify to us from time to time (�Bank  put your request in writing and to deliver your request to us within 14  restrictive endorsement checks (including any check or other 
 general (total) Credit Limit. If you exceed your Credit Limit, you must  we may have under this Agreement: (a) reduce your Credit Limit or  Account�) in the amount of your required Minimum Payments or in  days after you call. We may charge you a fee for each stop payment  payment instrument that indicates that the payment constitutes 
 pay us the excess amount promptly. We reserve the right not to  cancel your Account; (b) require you to pay your entire Account  any fixed amount that you specify, as modified by you from time to  request that you give us. If you tell us to stop a payment at least 5  �payment in full� of the amount owed or that is tendered with 
 increase your available credit by the amount of any payment  balance (including accrued but unpaid interest and any other fees  time. To avoid additional charges, in any month in which any  business days before the Payment Due Date and we do not stop  other conditions or limitations or as full satisfaction of a 
 received, for a period of up to four (4) business days from the date of  and charges provided for in this Agreement) immediately; and/or (c)  designated fixed payment amount is less than your Minimum  payment, we will be liable for your losses or damages. disputed amount) or any other disputed, nonconforming or 
 receipt to provide for processing and verification. Processing speeds  bring an action to collect all amounts owed. Payment due, you understand and agree that we may deduct or  qualified payments, must be mailed or delivered to Dispute 
 can vary depending on how your payment is cleared. withdraw your entire Minimum Payment rather than the designated  Alternative Payment Methods If you know that we will be unable to  Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may 
 You agree to pay, to the greatest extent not prohibited by law, our  fixed payment amount. If your New Balance is less than the fixed  process a scheduled automatic payment for any reason, then to  also accept late, postdated or partial payments without losing any of 
 Your Account represents a continuing offer to extend further credit to  reasonable attorneys� fees and any collection costs and  amount you designate, only the New Balance will be deducted. If you  avoid a late payment charge, you must promptly send a certified  our rights under the credit agreement governing your Account. (A 
 you which may be withdrawn at any time. We reserve the right to  disbursements and court fees related to the collection of your  have a Deferred Interest Plan and you enroll in our Automatic  check or money order to the �Payment Address� shown on the front  postdated check is a check dated later than the day it was actually 
 change (to set, increase, decrease or remove) the Credit Limit for  Account. Payment Plan, you will need to make one or more additional  of your monthly statement, or, if offered, you may take advantage of  presented for payment.) We are under no obligation to hold a 
 your Account from time to time in accordance with this Agreement  payments by mail or by phone to avoid interest. See Deferred  any pay by phone or on line payment service that we may make  postdated check and we reserve the right to process every item 
 and applicable law. Certain changes in your Credit Limit may occur  CANCELLATION We may cancel your Account, refuse to allow  Interest Balances below. You have the right to receive notice of all  available to you from time to time. If you make an alternative payment  presented as if dated the same date received by us or our check 
 without prior written notice to you and may be based upon factors  further transactions, offer credit on different terms or adjust the  electronic fund transfers from your Bank Account that vary in amount,  by postal mail or by pay by phone or on line service while you are  processor unless you give us adequate notice and a reasonable 
 including, but not limited to, anti-fraud policies and procedures, your  amount of credit available to you at any time, with or without cause,  and by enrolling, you agree that your monthly statement will serve as  enrolled in an Automatic Payment Plan, we may treat such payment  opportunity to act on it. Except where such notice and opportunity is 
 record of making timely payments and staying within your  subject to applicable limitations of law. We may terminate further  your notice of the amount of your monthly payment. You may change  as an additional payment and process your next Automatic Payment  given, you may not hold us liable for depositing any postdated check.
 established Credit Limit, your credit score and information contained  transactions on your Account without notice if you change your  the amount to be deducted or withdrawn at any time. Your new  Plan payment as scheduled or may reduce your next Automatic 
 in your credit report and your proper maintenance of any checking  address to a jurisdiction in which we do not make credit available at  monthly payment will be effective within 3 business days of our  Payment Plan payment by the amount of any such additional  INTEREST
 account used to make automatic payments, if applicable. that time. You may close your Account by writing to us at Account  receipt of your instruction. (2) We will initiate authorized EFTs each  payment received.
 Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of  month on or after the Payment Due Date shown on your monthly  Interest When your Account has an outstanding balance, we will 
 If finally approved for an Account, your initial Credit Limit(s) will  this Agreement will continue to apply to any balance that you owe us  statement. (3) You agree that in the event any debit is rejected or  Instructions for Mailed Payments If you pay by check or other  assess periodic interest using a monthly periodic rate of interest. The 
 appear on your Card carrier. Your current Credit Limit(s) can be found  until you have paid everything you owe, including any interest and  dishonored we may reinitiate the debit card account once. (4) You  written instrument, all payments, except disputed amounts, must be  monthly periodic rate is determined by dividing the annual 
 on your Statement or provided upon request. We do not accept  fees due. Account cancellation may adversely affect your credit  have provided us with all necessary information for the Bank Account  mailed or delivered to us at the address for payments shown on your  percentage rate (�APR�) by 12. Your APRs, and corresponding 
 Credit Limit increase requests. history. that you wish us to debit and the Bank Account on which the  monthly statement. Payments received at the address on the  monthly periodic rates, will vary with the market based on the Prime 
 Automated Clearing House (ACH) debit is authorized, is a legitimate,  payment coupon by 5:00 p.m. Eastern Time, Monday through  Rate, but no APR will exceed an annual percentage rate of 36%. We 
 You have the right to receive an answer to a written inquiry  STATEMENTS We will send you a Statement for each monthly billing  open and active account. You agree to notify us promptly if this  Friday (except legal holidays) will be credited to your Account as of  may also impose a per-transaction interest charge on each Cash 
 concerning the status of your Account. cycle in which (i) the balance of your Account (including unpaid  information changes.   (5) The origination of ACH transactions must  the date received. Payments must be received with the payment  Advance (Cash Advance Fee), Foreign Transaction (Foreign 
 Purchases, Cash Advances and any Balance Transfers, interest and  comply with the provisions of U.S. law. (6) Once enrolled, automatic  coupon (bottom portion) of your statement in the enclosed return  Transaction Fee), and Balance Transfer (Balance Transfer Fee). 
 SPECIAL TERMS From time to time we may offer special terms in  other fees and charges) on the last day of that billing cycle (the �New  payments will continue until you notify us that you wish to terminate  envelope. If payments are received at any other location or without  Interest will be imposed in amounts or at rates not in excess of those 
 connection with your Account. These special terms may be limited to  Balance�) is greater than $1 (debit or credit); (ii) we impose interest  your enrollment in the Automatic Payment Plan, or until we terminate  your payment coupon, crediting of those payments to your Account  permitted by law.
 certain qualifying transactions. The period of time that special terms  or a fee; (iii) there is any other activity on your Account; or (iv) as  your enrollment. You may terminate your enrollment by calling  may be delayed. Payments must be made to Payment 
 may be available may be limited. Information specific to any special  otherwise required by applicable law. Your Statement will show,  Customer Service at the telephone number shown on your monthly  Processing, P.O. Box 790156, St. Louis, MO 63179-0156, or any  Balance Subject To Interest We figure the interest charge on your 
 terms will be provided at the time of offer. If you use your Account to  among other things, the total minimum payment you must make  statement. You must give any notice of termination in such a manner  other address designated by us. Account by applying the applicable monthly periodic rate to the 
 enter into a qualifying transaction, you will be deemed to have  during the billing cycle (the �Minimum Payment�) and the date that  and sufficiently in advance to allow us and your financial institution a  �average daily balance� of your Account. We calculate the average 
 acknowledged and agreed to the terms disclosed at the time of the  the Minimum Payment is due (the �Payment Due Date�). reasonable opportunity to act. We may terminate your enrollment if  Notice About Electronic Check Conversion. By providing a paper  daily balance separately for each type of balance (e.g., separately for 
 offer, which terms may modify or differ from the regular terms of this  you fail to keep your Account or your Bank Account in good standing.  check as payment, you authorize us to use information from your  Purchases, for Cash Advances and for each balance subject to 
 Agreement. No formal amendment of this Agreement will be  PAYMENT REQUIREMENTS AND CREDITING Delinquency or closure of either account, for any reason, may result  check to make a one-time electronic fund transfer from your account  special terms such as Balance Transfers). For each type of balance, 
 necessary and all terms of this Agreement will remain applicable  in immediate termination of your enrollment in the Automatic  or to process the payment as a check transaction. When we use the  we take the beginning balance each day (including accrued but 
 except those inconsistent with the disclosed special terms of the  Minimum Payment You agree to pay at least the Minimum Payment  Payment Plan. Also, if there are insufficient funds in your Bank  information from your check to make an electronic fund transfer,  unpaid interest charges), add new transactions and any applicable 
 offer. If at any time you fail to comply with the terms of this Agreement  shown on your Statement by the Payment Due Date shown on the  Account to process any payment, your enrollment in the Automatic  funds may be withdrawn from your account as soon as the same day  fees, and subtract the applicable portion of any payments or credits. 
 as modified by the special terms of an offer or are otherwise in default  Statement. You may at any time pay off your entire balance in full  Payment Plan may be terminated immediately. (7) We are not  we receive your payment, and you will not receive your check back  This gives us the daily balance for each type of balance. Then, we 
 of any obligation you owe us, then we may, in our sole discretion,  or more than the Minimum Payment due without incurring any  responsible for any fees that may be charged by your depository  from your financial institution. add up all the daily balances for a particular type of balance for the 
 immediately terminate any special offer terms. We will notify you of  additional charge. We reserve the right to change your Minimum  institution as the result of your participation in the Automatic Payment  billing cycle and divide the total by the number of days in the billing 
 the termination of any special terms if (and as) expressly required by  Payment requirement from time to time. The Minimum Payment due  Plan. (8) You have the right to review your accounts and to withdraw  Application of Payments Subject to the requirements of applicable  cycle.This gives us the �average daily balance� for that type of 
 law. each month will be an amount equal to (a) (i) 1% of your total  any privileges previously granted. (9) Participation in the Automatic  law, we will apply payments first to unpaid interest, fees and other  balance.
 outstanding Account balance on the Closing Date, which is shown on  Payment Plan is not a requirement of continuing credit under your  charges, then to Cash Advance transactions in the order in which 
 DEFAULT Unless prohibited by applicable law, you will be in default  your statement as the �New Balance� or (ii) $10, whichever is greater,  Account. Enrollment in the Automatic Payment Plan is optional. they are posted to your Account and finally to Purchase transactions  When Interest Begins To Accrue, Grace Period Except as 
 under this Agreement if you: (i) do not make at least the Minimum  plus (b) current interest and fees plus (c) the greater of (i) any past  in the order in which they are posted to your Account. We may apply  provided below, Purchases, Cash Advances and Balance Transfers 
 Payment required from time to time on or before its Payment Due  due amount or (ii) any amount by which your New Balance exceeds  payments to balances subject to special terms (including Balance  begin to accrue interest from the date of the transaction (or, at our 
 option, from the date they are posted to your Account) and continue  (including wireless cellular telephone, VoIP or ported landline  Account is $0 if you notify us within two (2) business days and you  Arbitration Association (�AAA�), as selected by the party electing to 
 to accrue interest until the charge is paid in full. You will have at least  Foreign Transaction Fee Your Account will be assessed a foreign  telephone number) that you may provide to us from time to time; (ii)  exercise reasonable care in safeguarding your Card from loss, theft  use arbitration. Streamlined arbitration procedures will be used if 
 a 25 day grace period (�Grace Period�) on Purchases. This means  currency transaction fee equal to 3% of any transaction made in a  use any means of communication, including, but not limited to, postal  or unauthorized use. This reduced liability does not apply if a PIN is  available. If a selection by us of one of these organizations is 
 you have at least 25 days from the closing date on your monthly  foreign currency that is converted to U.S. Dollars. This fee is deemed  mail, electronic mail, telephone or other technology, to reach you; (iii)  used as the method of verification for a disputed transaction or you  unacceptable to you, you have the right, within 30 days after you 
 statement to pay for new Purchases before we charge interest on  additional interest. use automatic dialing and announcing devices which may play  have reported two (2) or more incidents of unauthorized use in the  receive notice of our election, to select the other organization listed to 
 them. However, the Grace Period will apply only in billing periods  recorded messages; and (iv) send text messages to your telephone.  immediately preceding twelve (12) month period. If you notify us  serve as arbitration administrator. For purposes of this Arbitration 
 when (1) you paid the previous balance in full or (2) you had a  Balance Transfer Fee If we allow a Balance Transfer, each time you  You may contact us at any time to ask that we not contact you using  within two (2) business days of any unauthorized transactions, you  Provision, �Claim� means any claim, dispute or controversy (whether 
 previous balance of $0.00 or a credit balance. (The previous balance  transfer a balance we will impose a per transaction fee of 3% of the  any one or more methods or technologies. can lose no more than $50 if someone used your Card without your  in contract, tort, or otherwise), past, present or future, (collectively, 
 is the balance identified as the New Balance on the monthly  amount of each Balance Transfer. This fee is deemed additional  permission. If you do not notify us within two (2) business days after  "Claims") as further described below. (If for any reason a selected 
 statement for the previous billing period, subject to subsequent  interest and will be added to your Balance Transfer balance. NOTICE OF CHANGES IN YOUR ELECTRONIC MAIL,  you learn of the loss or theft of your Card and we can prove that we  organization cannot, will not or ceases to serve as an arbitration 
 adjustment, as appropriate.) When the Grace Period applies, we will  TELEPHONE NUMBER OR OTHER INFORMATION You agree to  could have stopped someone from using your Card without your  administrator, you or we may substitute another widely recognized 
 not impose interest on (1) any new Purchases if we receive the  Late Payment Fee If you fail to make a timely payment, you agree to  notify us promptly of any change in your electronic mail address, your  permission if you had promptly notified us, you could lose as much as  arbitration organization that uses a similar code of procedure and is 
 appropriate full New Balance on the monthly statement for that billing  pay a Late Payment Fee of up to $37 for payments that are over 15  postal address, your home telephone number, place of employment  $500. Also, if you become aware of or your statement shows  mutually acceptable to the parties.)
 period by the due date shown on that statement or (2) the portion of  days late. For PR residents, the lesser of $15 or 5% of the payment  or other information provided in your Application or otherwise  transactions that you did not make, notify us at once following the 
 the Purchase balance repaid if we receive only part of the New  due for payments that are over 15 days late. No Late Payment Fee  provided to us from time to time, including porting a landline  procedures stated in the Billing Rights Notice found at the end of this  Right To Reject Arbitration. You may reject this Arbitration 
 Balance by the due date. There is no time period within which you  will exceed the amount of the related missed payment. telephone number to a cellular number or VoIP, by writing to us at  Agreement. If you do not notify us in writing within sixty (60) days  Provision. If you do so, neither you nor we will have the right to 
 can avoid interest on Cash Advances or Balance Transfers. Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by  after you become aware of the transaction and/or after the statement  engage in arbitration. Rejecting this Arbitration Provision will have 
 Returned Payment Fee To the greatest extent not prohibited by law,  calling us at 1-877-785-7908. was made available to you, you may not get back any value you lost  no effect on any of the other provisions in this Agreement. To reject 
 Deferred Interest Balances If you make a purchase under a special  if any payment is dishonored or returned, you agree to pay a  after the sixty (60) days if we can prove that we could have stopped  this Arbitration Provision, you must send us your written rejection 
 Deferred Interest Plan promotion, we will calculate interest for each  Returned Payment Fee of up to $37. In no event will the Returned  CHANGES IN TERMS We may, at any time in accordance with  someone from taking the value if you had notified us in time and you  within 60 days after we open your Account, or 60 days after any 
 cycle as described above. To avoid such interest you must pay the  Payment Fee exceed the amount of the refused or returned payment. this Agreement and subject to the requirements of applicable  are grossly negligent or fraudulent in the handling of your Card. If  change in terms that affects this Arbitration Provision, to Account 
 total purchase amount and accrued fees and charges that are  law: (i) terminate this Agreement; (ii) terminate your right to  your Card has been lost or stolen, we will close your Card Account to  Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 
 subject to deferred interest (�Promotional Balance�) in full by the last  REFUND OF INTEREST AND FEES We will credit all interest and  make future Purchases or take future Cash Advances or  keep losses down. 30348-5096; ATTN: Consumer Credit Arbitration. In your letter, you 
 day of the promotional period as shown in the Deferred Interest  fees to your Account if you close your account within 30 days of  Balance Transfers; (iii) change your Credit Limit; or (iv) add new  must give us the following information: Name, Address and Account 
 Charge Calculation notice on the front of your monthly statement.  receiving your initial Agreement and you make no charges to your  terms or delete or change any terms and conditions of this  CREDIT REPORTS AND INFORMATION number. The right to reject granted here applies solely to this 
 Making only minimum monthly payments during the promotional  Account. After such 30 day period, interest and fees generally are no  Agreement relating to your Account (including changing from a  Arbitration Provision, and not to any other provision of this 
 period will not pay off your Promotional Balance by the last day of the  longer avoidable or refundable and you will be responsible for paying  variable to a non-variable periodic rate, increasing any rate of  Credit Reports You authorize us to make or have made any credit,  Agreement, or to any other agreement with us. In the event of a 
 promotional period. If you do not pay your Promotional Balance in full  all interest and fees charged to your Account. interest, increasing or adding fees or charges, changing the  employment or other investigative inquiries we deem appropriate to  dispute over whether you have provided a timely rejection notice, you 
 by such date, then the interest that has accrued from the date of  method of computing the balance upon which interest is  renew, review or collect amounts owed to us on your Account. We  must provide proof of delivery. Neither party may elect to arbitrate an 
 purchase through and including the last day of the promotional period  CONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when  assessed or changing the date upon which interest begin to  also may obtain follow-up credit reports on you for any lawful purpose  individual Claim brought in small claims court (or your state�s 
 (Deferred Interest Charge) will be added to your regular Purchase  you applied for your Account or accepted an offer and verified your  accrue). Changes that are favorable to you may be made at any  as long as you have an outstanding balance. equivalent court, if any). However, if a Claim that is brought in small 
 balance. eligibility for an Account, you agreed to receive electronic notices and  time without prior notice. Changes in terms may be based upon  claims court is transferred or appealed to a different court, either 
 disclosures in connection with your Account (whether at an electronic  factors including, but not limited to, anti-fraud policies and  Notice of Information Reporting We may report information about  party may elect arbitration.
 FEES mail address that you provided in your Application, at a website that  procedures, your record of making timely payments and staying  your Account to credit bureaus. Late payments, missed payments, or 
 we designate or otherwise), then, to the extent not prohibited by law,  within your established Credit Limit on your Account with us,  other defaults on your Account may be reflected in your credit report. Significance of Arbitration; Limitations and Restrictions. IF YOU 
 The following fees may be added to your Account: we may send notices concerning the availability of Statements and  your credit score and information contained in your credit  OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING 
 other notices and disclosures to you at the electronic mail address  report and your proper maintenance of any checking account  Information Sharing You acknowledge and agree that we may  ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT 
 Annual Fee You agree to pay an Annual Fee of $175 upon account  that you provided in your Application, any updated electronic mail  used to make your automatic payments, if applicable. share information about you with others in accordance with our  TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING 
 opening and $49 annually thereafter. We will impose the Annual Fee  address that you provide to us in writing, or on a website that we  Privacy Notice (a copy of which we will provide to you and may be  ARBITRATED (ii) ENGAGE IN PRE ARBITRATION DISCOVERY 
 on your first monthly statement and thereafter on the anniversary  designate or otherwise, as mutually agreed. If you subsequently  When required by applicable law, we will provide you with written  obtained from www.FortivaCardServicing.com as it is in effect from  (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE 
 date of your Account until your Account is terminated or cancelled,  choose to receive notices and disclosures by postal mail rather than  notice of a new or deleted term or change in terms and offer you the  time to time). OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE 
 whether or not you incur any interest charges on the Account. The  electronically, then you agree to provide us with an updated postal  right to reject terms in the manner specified at the time of notice. No  COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE 
 Annual Fee is not refundable, except as provided below or as  address in a timely manner to allow us to comply with any applicable  new term or change in the terms of this Agreement will affect your  Notice of Inaccurate Information If you believe that we have  OR MEMBER OF ANY CLASS OF CLAIMANTS IN A CLASS 
 otherwise required by applicable law. Annual Fees will reduce the  requirements of law. obligation to pay all amounts owing under this Agreement. information about you that is inaccurate or that we have reported or  ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY 
 amount of credit you initially have available for use. may report to a credit reporting agency information about you that is  CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR 
 MONITORING AND RECORDING To ensure that you receive quality  ASSIGNMENT; TRANSFER We may sell, assign or transfer all or  inaccurate, please notify us of the specific information that you  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN OR OUR 
 Account Maintenance Fee After the first year, your Account will be  service, you agree that we may monitor and record all phone calls.  any portion of your Account and all or any portion of our rights under  believe is inaccurate by writing to us at Account Services, P.O. Box  OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE 
 assessed a monthly maintenance fee, which will be billed to your  These calls, between you and our representatives, are evaluated by  this Agreement to any other person without prior notice to you. You  105555, Atlanta, GA 30348-5555. AVAILABLE IN ARBITRATION.
 Account at $12.50 per month as long as you have an outstanding  supervisors. It is our goal to provide prompt, consistent assistance  may not sell, assign or transfer any of your rights under this  Except as set forth below, the arbitrator�s decision will be final 
 balance. No Account Maintenance Fee will be billed in the first 12  and deliver accurate information in a professional manner. Agreement. ARBITRATION PROVISION (AGREEMENT TO ARBITRATE  and binding. Only a court may decide the validity of items (iii) and 
 months your Account is open. Your payment of the Account  CLAIMS) (iv) above. If a court holds that items (iii) or (iv) are limited, invalid or 
 Maintenance Fee does not affect our right to close your Account or  COMMUNICATING WITH YOU; CONSENT TO CONTACT BY  LOST CARDS AND UNAUTHORIZED USE Contact us at once if  unenforceable, then this entire Arbitration Provision will be null and 
 our ability to limit transactions on your Account. ELECTRONIC AND OTHER MEANS We may contact you for any  you believe your Card has been lost or stolen. Telephoning is the best  Except as otherwise stated below, if you or we so choose, any Claim  void. You or we can appeal any such holding. If a court holds that any 
 lawful reason, including for the collection of amounts owed to us and  way to minimize your possible losses. If you believe that your Card  (as defined below) will be resolved by binding arbitration pursuant to  other part(s) of this Arbitration Provision (other than items
 Cash Advance Fee Each time you obtain a Cash Advance, we will  for the offering of products or services in compliance with our Privacy  has been lost or stolen, or that someone has made a Purchase on or  (a) this Arbitration Provision and (b) the Code of Procedure of the  (iii) and (iv)) are invalid, then the remaining parts of this Arbitration 
 impose a per transaction fee of the greater of (i) $5 or (ii) 5% of each  Notice in effect from time to time. No such contact will be deemed  transferred or may transfer money from your Account without your  national arbitration organization to which the Claim is referred (as in  Provision will remain in force. An arbitrator will decide all other issues 
 cash advance. This fee is deemed additional interest and will be  unsolicited. To the greatest extent not prohibited by applicable law,  permission, call us at 1-877-785-7908. Under MasterCard Rules,  effect when the Claim is filed). Claims will be referred to either  pertaining to arbitrability, validity, interpretation and enforceability of 
 added to your Cash Advance balance. we may (i) contact you at any address or telephone number  your liability for unauthorized MasterCard transactions on your  Judicial Arbitration and Mediation Services (�JAMS�) or the American  this Arbitration Provision. The decision of an arbitrator is as 
 enforceable as any court order and may be subject to very limited  Governing Law for Arbitration. This Arbitration Provision is made  of laws), except that the arbitration provision is governed by the  BUYER/CARDHOLDER Your name and address, our name and    We will send you a statement of the amount you owe and the date  
 review by a court. An arbitrator may decide a Claim upon the  pursuant to a transaction involving interstate commerce, and will be  Federal Arbitration Act, 9 U.S.C. �� 1 et seq. The legality,  address and the date on any Application or any other document or    payment is due. We may then report you as delinquent if you do  
 submission of documents alone, or a party may request a telephonic  governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et  enforceability and interpretation of this Agreement and the  record you sign in connection with your Account are incorporated    not pay the amount we think you owe.
 hearing if permitted by applicable rules. The exchange of  seq., as amended, notwithstanding any other governing law provision  amounts contracted for, charged and reserved under this  here and made a part of this Agreement and represent your name    If you receive our explanation but still believe your bill is wrong, 
 non-privileged information relevant to the Claim, between the parties,  in this Agreement. The arbitrator will apply applicable substantive law  Agreement will be governed by such laws. We extend credit  and address, our name and address, and the date on this  you must write to us within 10 days telling us that you still refuse to 
 is permitted and encouraged. Either party may submit relevant  consistent with the FAA and applicable statutes of limitations and will  pursuant to Section 408.145 of the Missouri Revised Statutes.  Agreement. An electronic record of your request for or acceptance of  pay. If you do so, we cannot report you as delinquent without also 
 information, documents or exhibits to the arbitrator for consideration  honor claims of privilege recognized at law. Judgment upon any  You agree that this loan is made, executed and delivered in  an Account or the consummation of a sales transaction under this  reporting that you are questioning your bill. We must tell you the 
 in deciding a Claim. arbitration award may be entered and enforced, including without  Missouri and that we make all credit decisions, open all  Agreement can represent your signature on this Agreement. name of anyone to whom we reported you as delinquent, and we 
 limitation by garnishment, attachment, foreclosure or other post  accounts and issue all proceeds from, impose all fees and  must let those organizations know when the matter has been settled 
 Broad Meaning of �Claims.� The term "Claims" in this Arbitration  judgment remedies, in any court having jurisdiction. The arbitrator�s  charges in, and receive all payments in our offices in Missouri. CREDITOR /s/ MID AMERICA BANK AND TRUST COMPANY,  between us.
 Provision is to be given the broadest possible meaning and includes  decision will be final and binding, except for any right of appeal  Rolla, MO   If we do not follow all of the rules above, you do not have to pay 
 (by way of example and without limitation) Claims arising from or  provided by the FAA, in which case any party can appeal the award  YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED  the first $50 of the amount you question even if your bill is correct.
 relating to (i) the application for or issuance of your Account, (ii) use,  to a three arbitrator panel administered by the selected arbitration  (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY  Rev. Date: June 2016 Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 terms, change in terms or addition of terms, closing or collection of  administrator. The panel will reconsider de novo (that is, without  FILLED IN, LEGIBLE COPY OF THIS AGREEMENT, HAVE READ    If you are dissatisfied with the goods or services that you have 
 your Account or this Agreement, (iii) advertisements, promotions or  deference to the ruling of the original arbitration) any aspect of the  IT AND AGREE TO ITS TERMS. BILLING RIGHTS NOTICE purchased with your credit card, and you have tried in good faith to 
 oral or written statements related to your Account, including any  initial award requested by the appealing party. correct the problem with the merchant, you may have the right not to 
 Claims regarding information obtained by us from, or reported by us  NOTICE TO THE BUYER Your Billing Rights: Keep This Document For Future Use pay the remaining amount due on the purchase.
 to, credit reporting agencies or others, (iv) Claims between you and  Continued Effect of Arbitration Provision. This Arbitration    This notice tells you about your rights and our responsibilities     To use this right, all of the following must be true:
 our parent corporations, wholly or majority owned subsidiaries,  Provision will continue to govern any Claims that may arise without  1. DO NOT SIGN THIS BEFORE YOU READ IT OR IF IT    under the Fair Credit Billing Act.   1. The purchase must have been made in your home state or 
 affiliates, predecessors, successors, assigns, agents, independent  regard to any termination or cancellation of your Account. If any  CONTAINS ANY BLANK SPACES. What To Do If You Find A Mistake On Your Statement within 100 miles of your current mailing address, and the purchase 
 contractors, employees, officers, directors or representatives arising  portion of this Arbitration Provision (other than the provisions    If you think there is an error on your statement, write to us at:   price must have been more than $50. (Note: Neither of these are 
 from your Account or this Agreement and (v) Claims regarding the  prohibiting class wide arbitration, joinder or consolidation) is deemed  2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED    Account Services Dispute Resolution necessary if your purchase was based on an advertisement we 
 validity, enforceability or scope of this Arbitration Provision or this  invalid or unenforceable under the FAA, it will not invalidate the  IN COPY OF THE AGREEMENT YOU SIGN.   P.O. Box 105374 mailed to you, or if we own the company that sold you the goods or 
 Agreement. remaining portions of this Arbitration Provision. If a conflict or    Atlanta, GA 30348-5374 services.)
 inconsistency arises between the code of procedures of the selected  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL    In your letter, give us the following information:   2. You must have used your credit card for the purchase. 
 Arbitration Procedure and Costs. For a copy of relevant codes of  arbitration administrator and this Arbitration Provision, this Arbitration  AMOUNT DUE.  �  Account information: Your name and account number. Purchases made with cash advances from an ATM or with a check 
 procedure, to file a Claim or for other information about JAMS and  Provision will control.  �  Dollar amount: The dollar amount of the suspected error. that accesses your credit card account do not qualify.
 AAA, write them, visit their web site or call them at: (i) for JAMS, 1920  CA RESIDENTS: Interest is compounded on unpaid amounts.  �  Description of problem: If you think there is an error on your bill,     3. You must not yet have fully paid for the purchase.
 Main Street, Suite 300, Irvine, CA 92614 or  info@jamsadr.com,  DELAY IN ENFORCEMENT We can delay or waive enforcing any of    describe what you believe is wrong and why you believe it is a   If all of the criteria above are met and you are still dissatisfied with the 
 http://www.jamsadr.com, 1-800-352-5267; or (ii) for AAA, 1633  our rights under this Agreement or under applicable law without  MO RESIDENTS: Oral agreements or commitments to loan   mistake. purchase, contact us in writing at:
 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org,  losing any of those rights or any other rights. Even if we do not  money, extend credit or to forbear from enforcing repayment of    You must contact us:   Account Services Dispute Resolution
 http://www.adr.org, 1-800-778-7879. If either party fails to submit to  enforce our rights or remedies at any one time, we may enforce them  a debt including promises to extend or renew such debt are not    �  Within 60 days after the error appeared on your statement.   P.O. Box 105374
 arbitration following a proper demand to do so, that party will bear the  at a later time. enforceable. To protect you (borrower) and us (creditor) from    �  At least 3 business days before an automated payment is     Atlanta, GA 30348-5374
 costs and expenses, including reasonable attorneys� fees, incurred by  misunderstanding or disappointment, any agreements we reach    scheduled, if you want to stop payment on the amount you think is     While we investigate, the same rules apply to the disputed amount 
 the party compelling arbitration. Any physical arbitration hearing that  SEVERABILITY Except as otherwise expressly provided in the  covering such matters are contained in this writing, which is the   wrong. as discussed above. After we finish our investigation, we will tell you 
 you attend will be held in the federal judicial district where you live at  Arbitration Provision, if any provision of this Agreement is finally  complete and exclusive statement of the agreement between us,    You must notify us of any potential errors in writing. You may call   our decision. At that point, if we think you owe an amount and you do 
 the time the Claim is filed. The party initiating the arbitration will pay the  determined to be void or unenforceable under applicable law, rule or  except as we may later agree in writing to modify it.   us, but if you do we are not required to investigate any potential   not pay, we may report you as delinquent.
 filing fee. You may seek a waiver of the initial filing fee or any other fees  regulation, all other provisions of this Agreement shall still be valid    errors and you may have to pay the amount in question.
 incurred in arbitration. If you seek, but do not qualify for, a waiver, we  and enforceable. Certain provisions of this Agreement are stated as  NH RESIDENTS: This Agreement provides for reasonable attorneys�  What Will Happen After We Receive Your Letter
 will consider any written request by you for us to pay or reimburse you  being subject to applicable law. Such provisions may be void,  fees to be awarded to us in an action against you involving this  When we receive your letter, we must do two things:
 for all or part of such fees. Each party will pay for its respective  unenforceable or inapplicable in some jurisdictions. Agreement. Reasonable attorney's fees will be awarded to you if you    1. Within 30 days of receiving your letter, we must tell you that we  
 attorneys�, experts� and witness fees, regardless of which party  prevail in any action, suit or proceeding brought by us; or an action    received your letter. We will also tell you if we have already  
 prevails in the arbitration. A party may recover any or all expenses  ENTIRE AGREEMENT This Agreement, including any other written,  brought by you. If you successfully assert a partial defense or set-off,    corrected the error.
 from another party if the arbitrator, applying applicable law, so  oral or electronic document incorporated into and made a part of this  recoupment or counterclaim to an action brought by us the court may    2. Within 90 days of receiving your letter, we must either correct  
 determines. Allocation of fees and costs relating to appeals in  Agreement, is the entire agreement between you and us relating to  withhold from us the entire amount or such portion of the attorney    the error or explain to you why we believe the bill is correct.
 arbitration will be handled in the same manner. For an explanation and  your Account and supersedes any other prior or contemporaneous  fees as the court considers equitable. While we investigate whether or not there has been an error:
 schedule of the fees that apply to an arbitration proceeding with JAMS,  agreement between you and us relating to your Account. If there is    �  We cannot try to collect the amount in question, or report you  
 please visit http://www.jamsadr.com/rules-streamlined-arbitration; for  any conflict between any one of these documents and this  NJ RESIDENTS: Because certain provisions of this agreement are    as delinquent on that amount.
 AAA, visit http://www.adr.org/consumer_arbitration. The appropriate  Agreement, the terms of this Agreement control. This Agreement  subject to applicable law, they may be void, unenforceable or    �  The charge in question may remain on your statement, and we  
 fee schedule in effect from time to time is hereby incorporated by  may not be amended except in accordance with the other provisions  inapplicable in some jurisdictions. None of these provisions,    may continue to charge you interest on that amount.
 reference into this Arbitration Provision. The cost of arbitration may  of this Agreement. however, is void, unenforceable or inapplicable in New Jersey.   �  While you do not have to pay the amount in question, you are  
 be higher or lower than the cost of bringing your Claim in court,    responsible for the remainder of your balance.
 depending upon the nature of your Claim and how the arbitration  GOVERNING LAW FOR CREDIT This Agreement, and any claim,  MD RESIDENTS: You have the right under Section 120510 of the    �  We can apply any unpaid amount against your credit limit.
 proceeds. Having more than one Claim and holding face to face  dispute or controversy (whether in contract, tort, or otherwise)  Commercial Law Code to receive an answer to your written inquiry  After we finish our investigation, one of two things will happen:
 hearings can increase the cost of arbitration. Again, neither you nor  at any time arising from or relating to this Agreement, are  regarding the status of your account.  �  If we made a mistake: You will not have to pay the amount in  
 we will be permitted to arbitrate claims on a class wide (that is, on  governed by and construed in accordance with applicable    question or any interest or other fees related to that amount.
 other than an individual) basis. An arbitration proceeding can decide  federal law and, to the extent not preempted by federal law, the  NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  �  If we do not believe there was a mistake: You will have to pay  
 only your or our Claims. You cannot join other parties (or consolidate  laws of Missouri (without regard to internal principles of conflict    the amount in question, along with applicable interest and fees.  
 Claims) except with respect to persons who use your Account. F03-W121-0-0816