PRICING DISCLOSURES

These Pricing Disclosures are part of the Cardholder Agreement.

Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases

34.99%

APR for Cash Advances

34.99%

Paying Interest

Your due date will be a minimum of 21 days after the close of each billing
cycle. We will not charge interest on new purchases if you pay your entire
balance by the due date each month. We will begin charging interest on cash
advances on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

Credit Card Tips from the
Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or using a credit
card, visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Fees
Set-Up and Maintenance Fees

Notice: The Annual Fee will be assessed before you begin using your
card and will reduce the amount of credit you initially  have available.
Based on your initial credit limit of $300.00, your initial available credit
will only be $225.00 (only $196.00 if you choose to have an additional
card).

You may  still  reject  the plan, provided that you  have not yet used  the
account or paid a fee after receiving a billing statement. If you reject the
plan, you are not responsible for any fees or charges.

Program Fee

Annual Fee

$95.00 (one-time fee).

$75.00 for first year

After that, $48.00 annually.

Monthly Servicing Fee

None for first year (introductory)

After that, $75.00 annually ($6.25 per month).

Transaction Fees

Cash Advance Fee

Penalty Fees

Late Payment Fee

None for first year (introductory). After that, either $10.00 or 3% of
the amount of each cash advance, whichever is greater.

Up to $40.00

Returned Payment Fee

Up to $40.00

CHA_202003F01_4

How We Will Calculate Your  Balance: We use  a method called “Average Daily Balance (including new
purchases).” See your cardholder agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is included in the
cardholder agreement and on the back of your monthly billing statement.

Additional Information Regarding Program Fee

We require a one-time up front Program Fee of $95.00 to be paid in full before your Account is opened. Once we
have received and processed your payment of the Program Fee, your Account will be opened and you may activate
and begin using your Card. Refer to the Section entitled “Refund Disclosure” for additional information.

Additional Information Regarding Interest Charges and Other Fees

Your Account is subject to the following Interest Charges and Fees, each of which will be charged to your Account
as a Purchase for the purpose of calculating Interest Charges:

Interest Charges:

Paying Interest Charges. You agree to pay us Interest Charges on your Account as described herein. Subject to any
grace period for new Purchases as described in the next section, Interest Charges will be imposed beginning the date
a Purchase or Cash Advance is posted to your Account and will continue to accrue until payment is posted.

How to Avoid Paying Interest Charges on New Purchases (Grace Period). If you paid the New Balance on your
prior monthly billing statement by the  due date shown on that billing statement, we  will not  impose  any  Interest
Charges on new Purchases, or any portion of a new Purchase, paid by the due date on your current monthly billing
statement (which will be at least 21 days from the billing cycle closing date).  New Purchases are Purchases that first
appear on your current billing statement. Cash Advances are subject to Interest Charges from the date the transaction
is posted to your Account. Unlike Purchases, this means there is no time in which you can pay the balance of Cash
Advances in order to completely avoid Interest Charges on Cash Advances.

Daily Periodic Rate and Corresponding ANNUAL PERCENTAGE RATE (APR). Interest Charges for Purchases
and  Cash  Advances  are  calculated  at  a  daily  periodic  rate  of  0.09585%,  which  is  a  corresponding ANNUAL
PERCENTAGE RATE (APR) of 34.99%. We calculate the daily periodic rate by dividing the APR by 365. Subject
to any grace period, the APR applied to Purchases will be applied to Fees assessed to your Account.

How We Calculate Interest Charges – We use the Average Daily Balance Method (Including New Purchases) to
calculate the  Interest Charges for each billing cycle. We calculate the Interest Charges separately on the Purchase
balance and the Cash  Advance balance that is  subject to an  APR. We figure the Interest Charges on the Purchase
balance and Cash Advance balance by multiplying the Average Daily Balance for each balance by the Daily Periodic
Rate that applies to that balance.  We then multiply that amount by the number of days in the billing cycle.  The result
is the Interest Charges for that balance.

How We Calculate Average Daily Balance – We calculate the Daily Balance as follows: (1) we take the previous
day’s balance (which may include unpaid interest), (2) add new Purchases (including Fees and other charges) to the
Purchase balance and Cash Advances to the Cash Advance balance, (3) add any interest accrued on the previous day’s
balance (this results in daily compounding of interest), and (4) subtract any payments or credits as of the date posted
to your Account, and any other adjustments as of the day they are credited to your Account. We figure the Average
Daily Balance (shown as the Balance Subject to Interest Rate on your statement) separately for Purchases and Cash
Advances  for  each  billing  cycle.  We  do  this  by  (A)  adding  up  the Daily  Balances for each  balance  type,  and  (B)
dividing the result for each balance type by the number of days in the billing cycle. This gives us the Average Daily
Balance. If a Daily Balance is negative, we treat it as zero.

Minimum Interest Charge. In any month in which an Interest Charge is due, if that Interest Charge is less than $1.00,
we may charge you a minimum Interest Charge of $1.00. Notwithstanding the foregoing, during the first 12 months
your Account is open, any Interest Charges assessed on your Account will be equal to the actual accrued interest.

Fees:

Annual Fee. Your Account will be assessed an Annual Fee of $75.00 when your Account is opened and $48.00 every
twelve months thereafter whether or not you use your Account. The Annual Fee is non-refundable except as provided
in Section below entitled “Refund Disclosure.” Your payment of the Annual Fee does not affect our right to close
your Account. The Annual Fee will not be billed to your Account after your Account is closed. The Annual Fee will
be pro-rated based on when the Account is reopened and the Card is re-issued.

Monthly Servicing Fee. Your Account will not be charged a Monthly Servicing Fee for the first year (introductory)
following Account opening. Each month thereafter, your Account will be charged a Monthly Servicing Fee of $6.25
per month ($75.00 annually).  This fee will be billed until your Account is closed and the balance is $20.00 or less.

Cash Advance Fee. In addition to the periodic Interest Charge we assess on Cash Advances, each time you obtain
a Cash Advance, we will impose a transaction fee of $10.00 or 3% of the amount of each Cash Advance, whichever
is greater. Notwithstanding the foregoing, your Account will not be charged any Cash Advance fees for the first
year (introductory) following Account opening.

Late Payment Fee. If we do not receive payment from you in at least the amount of your Total Minimum Payment
Due by the due date shown on your monthly billing statement, you will be charged a Late Payment Fee. The fee will
be the lesser of (a) $29.00 if you did not incur a Late Payment Fee during any of the prior six billing periods; otherwise
$40.00, or (b) your past due Total Minimum Payment Due amount.

Returned Payment Fee. If any check or other item tendered in payment of the amount due on your Account is returned
unpaid for any reason, you will be charged a Returned Payment Fee. The fee will be the lesser of (a) $29.00 if you did
not incur a Returned Payment Fee during any of the prior six billing periods; otherwise $40.00, or (b) your past due
Total Minimum Payment Due amount.

Additional Card Fee. If you authorize us to issue an additional Card for an Authorized User, an Additional Card Fee
of $29.00 will be imposed annually for each additional Card. This fee will be assessed at the time you request each
Additional Card and annually thereafter following each anniversary date of your Account opening, whether or not the
additional Card is used. The Additional Card Fee is non-refundable except as provided in Section below entitled
“Refund Disclosure.” The Additional Card Fee will be pro-rated the first year based on when the additional Card is
issued.

Credit Limit Increase Fee. After your Account has been open for at least one year, a fee of 20% of the amount of
any increase in your credit limit may be charged to your Account as a Credit Limit Increase Fee. For example: if your
credit limit is increased by $100, a $20.00 Credit Limit Increase Fee will be assessed, which will result in additional
available credit of $80.00 on your Account. This fee is automatically assessed upon your acceptance of each credit
limit increase.

Express Delivery Fee. We impose a $35.00 fee for the express delivery of your Card.

Copying Fee.
$3.00 per page may be imposed, unless the request is made in connection with a bona fide billing error dispute.

If you request duplicates of any monthly billing statement or other document, a copying charge of

CHA_202003F01_4

VISA® CARDHOLDER AGREEMENT

THIS CARDHOLDER AGREEMENT CONTAINS AN ARBITRATION PROVISION. UNLESS YOU ACT
PROMPTLY TO REJECT THE ARBITRATION PROVISION, IT WILL HAVE A SUBSTANTIAL EFFECT
ON  YOUR  RIGHTS  IN THE EVENT  OF  A  DISPUTE, INCLUDING YOUR  RIGHT TO  BRING OR
PARTICIPATE IN A CLASS ACTION.

This cardholder agreement (“Agreement”) contains the terms and conditions under which The Bank of Missouri has
agreed to establish a Visa® credit card Account (“Account”) for you. The accompanying Pricing Disclosures are part
of this Agreement. This Agreement contains our most current terms and supersedes any prior terms you may have
received from us.  Please read this Agreement carefully and retain it for your future reference.

Acceptance of Agreement. Use of the Card or Account by you or an Authorized User shall constitute your agreement
to the terms and conditions of this Agreement. Whenever stated in this Agreement that we may take certain described
action, this permits us to do so at our sole discretion.

Effective Date of Agreement. Unless you are a resident of the State of New York, this Agreement is effective upon
the earlier of (1) the first Purchase made or Cash Advance taken on your Account, and (2) the expiration of 30 days
from the date we deliver this Agreement to you if you do not provide us written notice of your desire to cancel within
this 30 days. If you are a resident of the State of New York, this Agreement is not effective until the first Purchase
made or Cash Advance taken on your Account. In all cases, if any Fees are required to be paid prior to opening your
Account, this Agreement will not be effective and your Account will not be opened until such Fees are paid in full.
You are not obligated to pay any Fees or Interest Charges (other than any Fees required to be paid prior to opening
your Account) until this Agreement is effective.

Defined Terms

“You” and “your” mean each person who applied for the Account, each person to whom The Bank of Missouri issues
a Card.

“We,” “us,” “our,” means The Bank of Missouri , St. Robert, Missouri, and our agents, authorized representatives,
successors, and assignees or other holders of this Agreement or your Account.

“Authorized User” means anyone who uses a Card or your Account with your consent.

“Card” means any Visa® credit card issued in connection with your Account, including all renewals and substitutions.
It also means any other access device for your Account we give you that allows you to obtain credit, including any
Account number.

“Cash Advance” means each of the following transactions: (a) a transaction drawing upon your Account using your
Card and PIN (described below) at an ATM that bears the Visa® logo; (b) a transaction at any participating Visa®
financial institution drawing upon your Account; (c) an electronic or other transfer of funds initiated by us, at your
request (i.e., we sign the check as the drawer), drawing upon your Account; (d) use of a check provided by us (i.e.,
you sign the check as the drawer) drawing upon your Account; (e) a transaction and the fees associated with using
your Card to purchase cash equivalents, including wire transfers, money orders, and travelers’ checks; and (f) any
other method of obtaining a cash loan.

“Fees” means charges imposed on your Account as described in this Agreement that are not based on an Annual
Percentage Rate.

“Interest Charges” means any charges to your Account based on the application of an Annual Percentage Rate.

“New Balance” means the outstanding balance of your Account at the end of any billing cycle.

CHA_202003F01_4

“Purchase” includes (a) a transaction using your Card to purchase or lease goods or services from one who honors
the Card; (b) any other Account related Fees; and (c) any other transaction that is not otherwise a Cash Advance.

Other important words used in this Agreement begin with capital letters. They are defined throughout this Agreement.

Using Your Card

Permitted Uses. You may use your Card and your Account to make Purchases wherever your Card is accepted,
provided your Account is in good standing and you have available credit. Each time you use your Card, either for a
Purchase or a Cash Advance, you are requesting us to make a loan to you for the amount of the Purchase or the Cash
Advance.
If you use your Account number to make a Purchase or obtain a Cash Advance without presenting your
Card (such as for a mail order, telephone or internet purchase), the legal effect will be the same as if you used the Card
itself. Each Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is
repaid in accordance with the terms of this Agreement.

Cash Advances. You may use your Card to obtain Cash Advances if your Account has been open for at least the later
of ninety (90) days or three completed billing cycles, is not past due and you have available credit for Cash Advances.
You may obtain Cash Advances from an Automated Teller Machine (“ATM”) or through a bank teller. However, the
total of your unpaid Cash Advances may not exceed one-half of your credit limit.   Cash Advance amounts may
also be subject to limits imposed by banks and ATM operators.

Prohibited Uses. You may not use your Card outside the United States, or to make a charge in a foreign currency.
The Card may not be used for any illegal transactions. The Card may not be used for on-line gambling transactions
or at an automated fuel pump. You further acknowledge that your Card will be for personal use and may not be used
for business purposes. If you use, or allow someone else to use your Card or Account for any prohibited purpose, you
will be responsible for such use and may be required to reimburse us for all amounts or expenses we pay as a result
of such use.

Card. You agree to sign the back of the Card issued to you in connection with your Account immediately upon
receipt. The Card is valid during the dates provided on the front. The Card is our property, and you will return it to
us or destroy it if we ask.

PIN. Upon your request, you may be assigned a personal identification number (“PIN”). With a PIN, you may use
your Card to obtain Cash Advances from an ATM. You should keep your PIN secure and not write it down, give it to
anyone, or keep it with your Card. If you lose your Card or believe that someone has gained unauthorized access to
your PIN, you must contact us immediately. You may request or change your PIN by calling us at (877)-259-3755 or
visiting us online at www.firstaccesscard.com.

Credit Limit. Your credit limit is the maximum amount of credit we have approved for your Account. Your credit
limit will be disclosed to you when your Card is issued and will also appear on your monthly billing statement. You
agree not to make any Purchase or obtain any Cash Advance that would cause the unpaid balance of your Account to
exceed your credit limit. The total of your unpaid Cash Advances may not exceed one-half of your credit limit. You
agree that we may change your credit limit at any time without affecting your obligation to pay the amounts you owe
under this Agreement. At our sole discretion, we may honor Purchases or Cash Advances in excess of your credit
limit without raising your credit limit. If we do, we may require you to pay us any amount over your credit limit
immediately. If we have previously allowed your balance to exceed your credit limit, it does not mean that we will
permit your balance to exceed your credit limit again. See the next section with respect to credit limit increases.

Credit Limit Increases. Through notification from us or upon your request, your Account may be reviewed for a
credit limit increase after being open for at least twelve (12) billing cycles. If you accept a credit limit increase offer,
a Credit Limit Increase  Fee  will be assessed to your account.    Please  refer to the Pricing  Disclosures for more
information about the Credit Limit Increase Fee. We reserve the right to decline your request for a credit limit increase
in our sole discretion.

Lost or Stolen Card; Liability for Unauthorized Use. You will take reasonable steps to prevent the unauthorized
use of your Card and Account. If your Card is lost or stolen, or you think someone used your Account without your
permission, tell us immediately by notifying us by phone at (877)-259-3755 or in writing at PO Box 89028, Sioux
Falls, South Dakota 57109-9028. You may be liable for the unauthorized use of your Card. In New York, you will not
be liable for unauthorized use of the Card that occurs prior to the effective date of this Agreement. You will not be
liable for unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized
use. In any case, your liability will not exceed $50. You agree to cooperate in our investigation of the unauthorized
use and provide any information we deem necessary to our investigation. We will send you a new Card with a new
account number to replace the Card that was lost or stolen. Although you will be issued a new account number, you
will not be considered to have opened a new account, and any existing balance will be transferred to the replacement
account.  Please see “Your Billing Rights” section below for more details.

Declines and Authorizations. You agree that we shall have no liability if any merchant or bank refuses to honor your
Card or Account number, if an ATM or other device fails to properly operate, or if services are unavailable due to
circumstances beyond our control (such as system  failures, fires, floods, natural disasters, or other unpredictable
events).
Some transactions on your Account will require prior approval. These prior approvals are called
“authorizations.” We may limit the number of authorizations we will give your Account during any certain period of
time (day, weekend, week) and we may deny an authorization if we suspect that your Account is being used without
your permission. If our authorization system is not working fully, we may be unable to give an authorization even
though the transaction would not exceed your credit limit. For security reasons, we cannot explain the details of how
the authorization system works. You agree that we will not be liable for failing to give an authorization. We are not
obligated to honor every transaction, even if you have available credit. We may decline a transaction on your Account
at our discretion for any reason including the following: because of operational considerations, because your Account
is in default, or if we suspect fraudulent or unlawful activity. We are not responsible for any losses if a transaction on
your Account is declined for any reason, whether by us or a third party, even if you have sufficient credit available. If
the authorization is denied,  we may notify the person who attempted the transaction that  it has been refused.
Transactions at some participating merchants (such as hotels, car rental companies, and restaurants) may result in
authorizations for amounts greater than the actual purchase amount, which will have the effect of making less credit
available on your Account for several days (usually until the date the actual purchase amount is received from the
merchant).

If another person is given access to your Account with your express or implied permission,
Authorized Users.
notwithstanding the provision above, that person is an Authorized User, even if we did not issue an additional Card in
the Authorized User’s name. At your request, and if we agree, we may issue an additional Card in the name of an
Authorized User with your Account number.   You will be responsible for all charges, Cash Advances, Interest
Charges, Purchases and Fees incurred by any Authorized User. We are not required to try to obtain payment from any
Authorized User before requiring payment from you. You and each Authorized User agree that we may report Account
information to consumer reporting agencies in the names of both you and the Authorized User.

Removing an Authorized User. If you want to remove an Authorized User from the Account, you must contact us
as provided on your monthly billing statement and request their removal. We will have a reasonable amount of time
after your request to research the situation and remove them. You also must immediately destroy all Cards in their
possession and cancel all of their billing arrangements to the Account. We will not do this for you. During this time,
you still will be responsible for all amounts they charge to the Account. You will be responsible even if these amounts
do not appear on the Account until later. An Authorized User may remove themselves from the Account upon request.
We may close your existing Account and/or issue a new Card with a new Account number.

Transactions Made in Foreign Currencies. Although charges outside the United States or in a foreign currency are
not allowed, if you make a charge in a foreign currency, the exchange rate for the transaction will be either (a) a rate
selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing
date, which rate may vary from the rate Visa itself receives, or (b) the government mandated rate in effect for the
applicable central processing date.

Payments

Your Promise to Pay. You promise to pay to us all amounts advanced to you (including amounts advanced to any
Authorized User) under this Agreement, plus all Fees and Interest Charges assessed on those amounts, and all other
charges, costs, and fees which you incur under the terms of this Agreement.

Total Minimum Payment Due. You may pay any or all of the amounts you owe at any time without penalty, but you
must pay at least the Total Minimum Payment Due each month on or before the due date in order to maintain your
credit privileges. The “Total Minimum Payment Due” is comprised of the Monthly Payment plus any amount past
due, as reflected on the monthly billing statement. If the New Balance shown on your statement is $40.00 or less, the
“Monthly Payment” is the New Balance. If the New Balance exceeds $40.00, the Monthly Payment is the greater of
(a) five percent (5%) of your New Balance at the end of the billing cycle (rounded up to the nearest dollar) or (b)
$40.00. The Total Minimum Payment Due may also include the amount by which your New Balance exceeds your
credit limit (“Over Credit Limit Amount”). Failure to pay the Over Credit Limit Amount as requested on your monthly
billing statement will not, by itself, cause your Account to be delinquent. The Total Minimum Payment Due is due by
the due date shown on the monthly billing statement (the due date will be at least twenty-one (21) days from the billing
cycle closing date) and payments must be made to The Bank of Missouri at the address shown on the monthly billing
statement. Merchandise refunds, Fee or Interest Charge reversals or other credits to your Account will be applied
towards your outstanding balance, but will not be treated as payments for purposes of satisfying your obligation to
make the next Total Minimum Payment Due.

Payment Instructions. Payments received in Proper Form before 5:00 pm CST on a business day will post to your
Account that day. Payments received after 5:00 pm CST on a business day and payments made on a Saturday, Sunday,
or bank holiday will post to your Account the following business day. We may, in our discretion, accept payments
not received in Proper Form, but crediting of such payments may be delayed up to five business days following receipt.
Delayed crediting may cause you to incur a Late Payment Fee and additional Interest Charges. “Proper Form” means
that a payment sent by mail or courier follows these guidelines:



Payments must be sent to the address on the payment coupon of your monthly billing statement.
Payments must be made by personal check, money order, cashier’s check, or guaranteed funds (described below)
in U.S. dollars payable to The Bank of Missouri.

 All checks or negotiable instruments must be drawn on a U.S. financial institution and contain proper signatures

and consistent numeric and written amounts.
Payments must not be in the form of cash or third-party checks.


 Your payment coupon must be included with your payment. If your payment coupon is not included, your name

and account number must be printed legibly on your check or negotiable instrument.

Payments not made in guaranteed funds may not create available credit for up to fourteen (14) days to allow the
payment to clear or even longer if circumstances warrant an additional hold, or if we deem ourselves at risk for any
reason.  Guaranteed funds which are accepted include payments in the form  of bank or postal money orders, bank
cashier’s checks, debit card payments, Western Union and MoneyGram. This list may change. Please call customer
service for a current list of payments accepted as guaranteed funds. Third party payments are subject to review and
may not immediately create available credit. At our discretion, we may accept late or partial payments, as well as
payments that are marked “paid in full” or other restrictive endorsements, without losing any of our rights under this
Agreement. You agree that we need not examine any payment check to confirm that it is not postdated, and that we
may deposit any postdated check for payment to us on the day we receive it. Satisfaction of a debt for less than the full
amount due or imposition of any other term or condition on us requires a written agreement, signed by our authorized
representative. All written communications concerning disputed amounts, including a check or other payment
instrument that (a) indicates that the payment constitutes “payment in full” or is otherwise tendered as full satisfaction
of a disputed amount or (b) is tendered with other conditions or limitations, must be marked or delivered to us at the
address  for billing inquiries shown on your monthly billing statement, not  at the payment address. You  waive
presentment for payment, protest, notice of non-payment and of protest, and agree to any extensions of time of payment
and partial payment before, at, or after maturity. You may at any time pay more than your minimum payment or pay off
your entire balance in full without any additional charge for prepayment. No matter how large your payment is in one
billing cycle, you will need to make a payment in the following cycle if you have an outstanding balance. You are
not authorized to use your available credit to make a payment on your Account and we may refuse such payments in
our sole discretion. We may resubmit and electronically collect returned payments. We may also adjust your Account
as necessary to correct errors, to process returned and reversed payments, and to handle similar issues.

How We Apply Payments. Payments will be applied in a manner we determine in accordance with applicable law,
and the application of payments may change from time to time.

Credit Balances. You may not maintain a credit balance on your Account. If payments cause a credit balance, your
Account may be temporarily suspended and subject to further review. We may reject and return to you any payment
that creates a credit balance on your Account. Any credit balance we allow will not be available until we confirm that
your payment has cleared. You may contact us as provided on your monthly billing statement and request a refund of
any available credit balance of $1.00 or more. If you contact us in writing, we will refund your credit balance within
7 business days from our receipt of your written request. If you do not request a refund, we will apply credit balances
to future amounts you owe us unless a refund is required by law.

Electronic Check Presentment. By sending us a check as payment, you authorize us to use information on your check
to make a one-time electronic funds transfer from your account at the financial institution indicated on your check or
to process the payment as a check transaction. When we use information from your check to make an electronic funds
transfer, funds may be withdrawn from your bank account as soon as the same day we receive payment. If your check
is processed electronically, your canceled check will not be returned to you by your financial institution. We will retain
an image of your electronically processed check(s) as required by law. If requested prior to the time we are allowed by
law to destroy  electronically processed checks,  we  will provide you with a copy of your  electronically  processed
check(s) upon your request.

Monthly Billing Statements, Communications and Information About You

Monthly Billing Statements. We will send you a monthly billing statement at the end of each monthly billing cycle
in which your Account has a debit or credit balance of more than $1.00, if an Interest Charge has been imposed or if
other Account activity has occurred. Your statement will arrive around the same time each month, however we reserve
the right to change the date of your billing cycle at any time to the extent permitted by law. The statements we send to
you will reflect the activity and our Interest Charges, Fees and other charges on your Account during the immediately
preceding monthly billing cycle. They will also show your Total Minimum Payment Due and the due date by which
we must receive payment. The information contained on the statement will be deemed to be correct unless you notify
us in accordance with the Section below entitled “Your Billing Rights”.

Description of E-Statements. You may elect to have your monthly billing statements and other required disclosures
accompanying your monthly billing statements (“E-Statements”) for your Account delivered to you electronically in
place of paper disclosures. You may sign up for the E-Statement service or cancel the E-Statement service at any time
by logging into your Account at www.firstaccesscard.com. Your use of the E-Statement service will be subject to the
additional terms and conditions presented to you at the time of your enrollment for E-Statements.

Communication with You. We may contact you from time to time regarding your Account. We (and our affiliates,
agents and contractors) may contact you in any manner we choose to the extent allowed by applicable law. For example,
we may contact you:
(1) by mail, telephone, email, or text message;
(2) by using an automated dialing or similar device (“autodialer”);
(3) at your home and at your place of employment;
(4) on your mobile, wireless or cellular telephone or similar device, which may result in charges to you;
(5) at any time, including weekends and holidays;
(6) with any frequency;
(7) by leaving prerecorded and other messages on your answering machine/service and with others; and
(8) by identifying ourselves, your relationship with us and our purpose for contacting you even if others might hear
or read it.
We may monitor or record any conversation or other communication with you. Unless the law states we cannot, we
may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we
choose. You also agree that we may contact you using phone numbers, addresses and e-mail addresses we obtain from
public and nonpublic databases we may lawfully access. Where allowed by law, we also may contact other individuals
who may be able to provide updated employment, location, and contact information for you. Some of the legal
purposes for calls and messages include: suspected fraud or identity theft; obtaining information; transactions on or
servicing of your Account; collecting on your Account; and providing you information about certain products, services
and promotions.

Account Alert Service. Through our Account Alert Service, we will send certain alerts about your Account. You
expressly agree that we may send you Account Alerts through email messages, SMS text messages to mobile numbers
you provide to us or any other means we may make available to you from time to time. You may adjust Account Alert
and delivery preferences at any time by logging into your Account at www.firstaccesscard.com. Account Alerts sent
via SMS text messages can also be cancelled at any time by texting the reply “STOP” from your mobile phone. You
are responsible for any fees or other charges that your wireless carrier may charge for any related data or message
services, including without limitation SMS text services. You agree that Account Alerts may not be encrypted, and
may include your name and information pertaining to your Account. Receipt of any Account Alert may be delayed,
or prevented by factors affecting your Internet service provider, phone operator, and other relevant entities. We offer
Account Alerts solely as a convenience to you. We neither guarantee the delivery or the accuracy of the contents of
any Account Alert. We will not be liable for losses or damages arising from (a) non-delivery, delayed delivery, or
wrong  delivery of any Account  Alert; (b) inaccurate content in an  Account  Alert; (c)  your use or  reliance on the
contents of any Account Alert for any purposes. We reserve the right to terminate any request from you for any
Account Alert, at any time. The information in any Account Alert may be subject to certain time lags and/or delays.
We may terminate or suspend the Account Alert Service at any time without notice.

Your Consent for Calls and/or Text Messages to Your Mobile Phone. When you give us or we obtain your mobile
telephone number, you expressly agree that we (and our affiliates, agents and contractors) may contact you at this
number using an autodialer and can also leave prerecorded and other messages, including text messages. We may do
these things whether we contact you or you contact us. You agree you will be responsible for any fees or charges you
incur as a result of incoming calls or text messages from us, from our affiliates or from any third party acting on behalf
of us or our affiliates. You agree that your consent to receive these calls and/or text messages sent to your mobile
phone may be revoked only by providing written notice of your revocation to us at the Notice address set forth below,
and that such revocation notice will state your name, mailing address, specific telephone number(s) for  which the
revocation applies, and at least the last four digits of your Account number so that we may identify you and your
Account.

Visa Account Updater. Accounts with Cards bearing the Visa logo are automatically enrolled in the “Visa Account
Updater” feature required by Visa. This feature enables the electronic exchange of Account information between Visa
and participating merchants to support payment continuity with credential-on-file merchants. Visa will securely
provide updated credit card information when your Card is re-issued for any reason or is closed. To opt-out of the Visa
Account Updater feature for your Account, if applicable, please contact us by calling the number on the back of your
Card.

Notices. Any notice required to be provided to you under this Agreement shall be given to you at your residence
address shown on our records and shall be effective when sent by first class mail, unless otherwise required by Missouri
law. You agree to advise us promptly of any change in your address. Any notice from you to us shall be sent to PO
Box 89028, Sioux Falls, South Dakota 57109-9028 or to such other address as we may give you and shall be effective
when received by us. We may, at our discretion, accept mailing address corrections from the United States Postal
Service.

Privacy Policy. The privacy policy for The Bank of Missouri is provided separately in accordance with applicable
law.

(4) your social security number  or  other government

Your Account Information. We need current information about you to manage your Account. The information we
need includes: (1) your legal name; (2) a valid U.S. mailing address and residential address (if different); (3) your e-
mail address;
(5) your  telephone
number(s); and (6) your employment and income information. You are responsible for promptly notifying us when
this information changes. We may require you to provide additional documents that are acceptable to us to verify this
information or any changes. We maintain the right to restrict or close your Account if your information cannot be
verified or if you do not provide additional information as requested.

identification number;

Credit Information. We are entitled under applicable law, including the Fair Credit Reporting Act, to obtain
information about you from  a credit reporting agency and we may  also verify your  credit references and  other
information that you provide to us. We may obtain updated or additional information about you, including consumer
reports, for  any legitimate purpose including,  but  not limited to, the  extension of credit to you or the review  or
collection of your Account. We may provide information about you and your Account to credit reporting agencies and

others as provided in our privacy policy. Information we provide might appear on your and your Authorized Users’
credit reports. This could include negative information if you do not comply with the terms of this Agreement.

Your Contract With Us

Amendment or Modification. At any time and subject to applicable law, we may change or delete any term of, or
add new terms to, this Agreement, including without limitation the Interest Charge, Annual Percentage Rate, Fees,
Total Minimum  Payment Due amount, and the  Arbitration  Provision. Unless prohibited by  applicable law, these
changed or new terms will apply to any Account balance outstanding on the effective date of the change and to all
future balances. When required by applicable law, we will notify you in advance of any changes, deletions or addi-
tions. Our notice will tell you when and how the changes will take effect and describe any rights you have in connection
with the changes.

Governing Law. This Agreement and your Account, and any claim, dispute or controversy (whether in contract, tort,
or otherwise) at any time arising from or relating to your Account, this Agreement or any transferred balances, are
governed by and construed in accordance with applicable federal law and, to the extent not preempted by federal law,
by the laws of Missouri (without regard to internal principles of conflict of laws), but we rely on the provisions of
Nebraska law with respect to the Fees that apply to your Account as authorized by Missouri Revised Statutes Section
408.145.

Default. We may declare your Account to be in default upon the occurrence of any of the following events:
(a) You fail to make any payment required under the terms of this Agreement when due;
(b) You fail to comply with any of the terms and conditions set forth in this Agreement;
(c) You exceed your credit limit;
(d) You become incapacitated or die;
(e) You provide us with false or misleading information or signatures in any respect;
(f) We obtain information that causes us to believe that you may be unwilling or unable to pay your debts to us on
time;
(g) We in good faith deem The Bank of Missouri to be insecure or believe that the prospect of payment is impaired;
(h) You file for bankruptcy;
(i) You move out of the U.S. or you provide us with a non-U.S. mailing address.
(j) You request an excessive number of replacement Cards.
Upon your default, we can suspend or terminate your ability to use your Card or Account, lower your credit limit,
increase your Total Minimum Payment Due, demand the  return of your  Card(s), declare  your entire balance
immediately due and payable, initiate collection activity, continue to charge you Interest Charges and Fees as long as
your balance remain outstanding, and exercise all other rights or remedies permitted by law, all without prior notice
or demand except as required by law. You promise to pay any collection costs and attorneys’ fees that we incur as a
result of your default. Our failure to declare your Account in default does not excuse you from performing all of your
obligations under this Agreement, nor shall such failure constitute a waiver of our rights to declare the Account in
default and terminate your ability to use the Account and the Card at a later time or upon the occurrence of the same
or a different event of default. A negative credit report reflecting on your credit record may be submitted to one or
more credit-reporting agencies if you fail to fulfill the terms of your credit obligations.

Suspending or Closing Your Account.

We May Suspend or Close Your Account: We may close or suspend your Card or Account and require the return of
your Card for any reason, including default, without notice to you except as may be required by applicable law. We
may terminate your Account if you are or become a non-U.S. resident or a resident of New York, Wisconsin, or a U.S.
territory. Sometimes we close accounts based not on your actions or inactions, but on our business needs. If we close
your Account, we will not be liable to you for any consequences resulting from closing your Account or suspending
your credit privileges.

You May Close Your Account: You may cancel your Account at any time by notifying us by telephone or in writing.

If your Account is closed, you are still responsible for any amounts due on the Account pursuant to the terms of this
Agreement and the Account will continue to accrue applicable Interest Charges and other Fees and charges until the
Account is paid in full.

Refund Disclosure. We will refund your Program Fee and initial Fees (those Fees that are billed at the time of Account
opening) if (1) you have not used your Card for a Purchase or Cash Advance; and (2) you have not made a payment
on your Account after receiving a monthly billing statement. We will refund any partial payment of the Program Fee
If you later elect to close your Account and notify us of your election in writing
if you do not open your Account.
within thirty (30) days or one billing cycle (whichever is less) after an Annual Fee appears on your monthly billing
statement, the Annual Fee will be credited to your Account. Except as described in this paragraph, Fees are generally
non-refundable. If you elect to cancel an additional Card and notify us of your election in writing within thirty (30)
days or one billing cycle (whichever is less) after an Additional Card Fee appears on your monthly billing statement,
the Additional Card Fee will be credited to your Account.

Severability. If any provision of this Agreement, including any portion of the Arbitration Provision set forth below,
is determined to be invalid or unenforceable under any rule, law, or regulation, the validity or enforceability of any
other provision of this Agreement shall not be affected, and in lieu of such invalid or unenforceable provision there
shall be added automatically, as part of this Agreement, a provision as similar in terms as may be valid and enforceable,
if possible. Notwithstanding the foregoing, if a class action litigation or a class-wide arbitration is permitted for any
reason, either party may require that the entire Dispute, as defined in the Section entitled “Arbitration” below, be heard
by a judge, sitting without a jury, under applicable court rules and procedures.

Attorneys Fees and  Costs. Except as may be  provided otherwise in this Agreement, you agree to pay all costs
incurred by us, our successors or assigns, in collecting unpaid indebtedness or in enforcing this Agreement, including
attorneys fees and costs, as well as those costs, expenses and attorneys fees incurred in appellate, bankruptcy and post-
judgment proceedings, except to the extent such costs, fees or expenses are prohibited by law.

No Waiver by Us. Subject to applicable law, we reserve the right not to impose part or all of any Fee or other amount
imposed pursuant to this Agreement or not to exercise any of our rights under this Agreement, and should we do so,
we will not waive our right to impose such Fee or amount or exercise such right in the future.

Assignment. We may sell, assign or transfer all or any portion of your Account or any balances due under your
Account without prior notice to or consent from you. You may not sell, assign or transfer your Card or your Account
or any of your obligations under this Agreement. This Agreement will be binding on, and benefit, any of your and
our successors and assigns.

Entire Agreement. This Agreement, together with your application, constitutes the final expression of the credit
agreement between you and us relating to your Account and supersedes and may not be contradicted by evidence of
any prior or contemporaneous oral credit agreement between you and us relating to your Account.

No Warranties. Except as otherwise provided in the Section below entitled “Your Billing Rights,” we are not
responsible for any claim you might have regarding the purchases of goods or services made with your Card.

Merchant Refunds. If you are entitled to a refund for goods or services purchased with your Card, you will accept
these refunds as credits to your Account. We do not control when a merchant sends us your refund. We will also have
a reasonable amount of time after we receive your refund to process it.

Arbitration

READ THIS ARBITRATION PROVISION. UNLESS  YOU  ACT PROMPTLY TO REJECT THE
ARBITRATION PROVISION BY OPTING OUT IN ACCORDANCE WITH PARAGRAPH b, CAPTIONED
“OPT-OUT PROCESS,” THE ARBITRATION PROVISION WILL BE PART OF THIS AGREEMENT AND
WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS, INCLUDING YOUR RIGHT TO BRING OR
PARTICIPATE IN A CLASS ACTION, IN THE EVENT OF A DISPUTE.

a. General: This Arbitration Provision describes when and how a Claim (as defined below) may be
arbitrated.Arbitration is a method of resolving disputes in front of one or more neutral persons, instead of having
a trial in court in front of a judge and/or jury. It can be a quicker and simpler way to resolve disputes. Arbitration
proceedings are private and less formal than court trials. Each party to the dispute has an opportunity to present
some evidence to the arbitrator. The arbitrator will issue a final and binding decision resolving the dispute(s),

which may be enforced as a court judgment. A court rarely overturns an arbitrator’s decision. As solely used in
this Arbitration Provision, the terms “we,” “us” and “our” mean not just The Bank of Missouri but also our parent
companies, wholly or majority-owned subsidiaries, affiliates, commonly-owned companies, successors, assigns
and any of these entities’ employees, officers, directors and agents. For purposes of this Arbitration Provision,
these terms also mean any other third party providing any goods and services in connection with your Account,
servicing and collection of amounts due on your Account, if you name that third party and us as defendants in a
single proceeding.

b. Opt-Out Process. If you do not want this Arbitration Provision to apply, you may reject it by mailing us a
written opt out notice which contains your Account number, your name and address and a signed statement
that you opt out of the Arbitration Provision of this Agreement. The opt out notice must be sent to us by
mail at The Bank of Missouri , PO Box 89028, Sioux Falls, SD 57109-9028. (You should retain a copy of
your opt-out notice and evidence of mailing or delivery.) An opt-out notice is only effective if it is signed
by you and if we receive it within thirty (30) days after the date  we delivered this Agreement to you.
Indicating your desire to opt-out of this Arbitration Provision in any manner other than as provided above
is insufficient notice. However, your decision to opt out of this Arbitration Provision will not have any other
effect on this Agreement and will not affect any other arbitration agreement between you and us, which
will remain in full force and effect. If you don’t reject this Arbitration Provision, it will be effective as of
the date you were approved for an Account.

It

includes disputes based upon contract, negligence,

c. What Claims Are Covered: “Claim” means any claim, dispute or controversy between you and us that in any way
arises from or relates to your Account, including disputes arising from actions or omissions on or prior to the date
of this Agreement. “Claim” has the broadest reasonable meaning, and includes initial claims, counterclaims, cross-
claims and third-party claims.
fraud and other
intentional torts, constitution, statute, regulation, ordinance, common law and equity (including any claim for
injunctive or declaratory relief). Despite the foregoing, “Claim” does not include any individual action brought
by you in small claims court or your state’s equivalent court, unless such action is transferred, removed, or
appealed to a different court. In addition, except as set forth in the immediately following sentence, “Claim does
not include disputes about the validity, enforceability, coverage or scope of this Arbitration Provision or any part
thereof (including, without limitation, this sentence, the prohibitions against class proceedings, private attorney
general proceedings and/or multiple-party proceedings described in paragraph g, captioned “Prohibition Against
Certain Proceedings” (the “Class Action Waiver”), or the last sentence of paragraph o, captioned “Severability,”);
all such disputes are for a court and not an arbitrator to decide. However, any dispute or argument that concerns
the validity or enforceability of this Agreement as a whole is for the arbitrator, not a court, to decide.

d. Starting or Electing to Require Arbitration: Either you or we may start an arbitration of any Claim or require
any Claim to be arbitrated. Arbitration is started by initiating an arbitration or required by giving written notice
to the other party requiring arbitration. This notice may be given before or after a lawsuit has been started over
the Claim and may address any Claims brought in the lawsuit, provided that a party may not pursue a Claim in a
lawsuit and then seek to arbitrate that same Claim unless the other party has asserted another Claim in the lawsuit
or an arbitration. The notice may be in the form of a motion or petition to compel arbitration. Arbitration of a
Claim must comply with this Arbitration Provision and, to the extent not  inconsistent or in conflict with this
Arbitration Provision, the applicable rules of the arbitration Administrator.

e. Choosing the Administrator: “Administrator” means the American Arbitration Association (“AAA”), 1633
Broadway, 10th Floor, New York, NY 10019, www.adr.org; JAMS, 1920 Main St. at Gillette Ave., Suite 300,
Irvine, CA 92614, www.jamsadr.com, or any other company selected by mutual agreement of the parties. If AAA
and JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the
Administrator will be selected by a court. The party asserting the Claim  (the “Claimant”) may select the
Administrator. Notwithstanding any language in this Arbitration Provision to the contrary, no arbitration may be
administered, without the consent of all parties to the arbitration, by any Administrator that has in place a formal
or informal policy that purports to override the Class Action Waiver.

f. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT TO
ARBITRATE A CLAIM, YOU AND WE WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM
IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR AND OUR ABILITY TO OBTAIN
INFORMATION FROM THE OTHER PARTY IS MORE LIMITED IN AN ARBITRATION THAN IN
A LAWSUIT. OTHER RIGHTS THAT YOU OR WE WOULD HAVE IN COURT MAY ALSO NOT BE
AVAILABLE IN ARBITRATION.

g. Prohibition Against Certain Proceedings: IF YOU OR WE ELECT TO ARBITRATE A CLAIM: (1)
NEITHER YOU NOR WE  MAY PARTICIPATE IN A CLASS ACTION IN COURT OR IN CLASS-
WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS MEMBER;
(2)
NEITHER YOU NOR WE MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN AN

ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST  YOU MAY NOT BE JOINED OR
CONSOLIDATED WITH  CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4)
THE ARBITRATOR SHALL  HAVE NO  AUTHORITY  TO  CONDUCT  A  CLASS-WIDE
ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION, OR MULTIPLE-PARTY
ARBITRATION.

i.

h. Public Injunctive Relief. If a Claim is brought seeking public injunctive relief and a court determines that the
restrictions in the Class Action Waiver and/or elsewhere in this Arbitration Provision prohibiting the arbitrator
from awarding relief on behalf of third parties are unenforceable with respect to such Claim (and that determination
becomes final after all appeals have been exhausted), the Claim for public injunctive relief will be determined in
court and any individual Claims seeking monetary relief will be arbitrated. In such a case the parties will request
that the court stay the Claim for public injunctive relief until the arbitration award pertaining to individual relief
has been entered in court.  In no event will a Claim for public injunctive relief be arbitrated.
Location and Costs of Arbitration: Any arbitration hearing that you attend in person must take place at a location
reasonably convenient to you, as determined by the arbitrator. Each Administrator charges fees to administer an
arbitration proceeding and the arbitrator also charges fees. This includes fees not charged by a court. If either you
or we require a Claim to be arbitrated, you may tell us in writing that you cannot afford to pay the fees charged
by the Administrator and/or the arbitrator or that you believe those fees are too high. If your request is reasonable
and in good faith, we will pay or reimburse you for all or part of the fees charged to you by the Administrator
and/or arbitrator. Also, we will pay these fees if applicable law requires us to, if you prevail in the arbitration or
if we must bear such fees in order for this Arbitration Provision to be enforced. We will not ask you to pay or
reimburse us for any fees we pay the Administrator or arbitrator. We will bear the expense of our attorneys, experts
and witnesses. You will bear the expense of your attorneys, experts and witnesses if we prevail in an arbitration.
However, if you are the Claimant, we will pay your reasonable attorney, expert and witness fees and costs if you
prevail or if we must bear such fees and costs in order for this Arbitration Provision to be enforced. Also, we will
bear any fees and costs if applicable law requires us to do so.

j. Governing Law: This Arbitration Provision is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (the
“FAA”), and not by any state arbitration law. The arbitrator must apply applicable substantive law consistent with
the FAA and applicable statutes of limitations and claims of privilege recognized at law. The arbitrator is
authorized to award all remedies permitted by the substantive law that would apply if the action were pending in
court (including, without limitation, punitive damages, which shall be governed by the Constitutional standards
employed by the courts). At  the timely request of either party, the arbitrator must provide a  brief written
explanation of the basis for the award.

k. Right to Discovery: In addition to the parties’ rights to obtain discovery pursuant to the arbitration rules of the
Administrator, either party  may submit a written request to the arbitrator to expand the scope of discovery
normally allowable under the arbitration rules of the Administrator. The arbitrator shall have discretion to grant
or deny that request.

l. Arbitration Result and Right of Appeal: At the timely request of either party, the arbitrator shall provide a written
explanation for the award. Either party may appeal the arbitrator’s decision within 30 days to a single arbitrator
or a three-arbitrator panel selected in accordance with the Administrator’s rules, which shall resolve the Claim
without regard to the original decision. We will pay the entire cost of an appeal unless we are willing to have the
appeal decided by a single arbitrator and you insist upon a three-arbitrator panel. In such event, you will be
responsible for paying your portion of the difference in arbitration fees between a single arbitrator and a three-
arbitrator panel, as determined by the panel. However, we will pay all costs to the extent required by law and/or
required to enforce this Arbitration Provision. The original award or any subsequent award on the appeal described
above shall be final and binding, subject to any further right to appeal provided by the FAA. The arbitrator’s award
may be entered by any court having jurisdiction.

m. No Preclusive Effect. No arbitration award involving the parties will have any preclusive effect as to issues or
claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior
disputes involving other parties have preclusive effect in an arbitration between the parties to this Arbitration
Provision.

n. Rules of Interpretation: This Arbitration Provision is binding upon and benefits you, your respective heirs,
successors and assigns. This Arbitration Provision also is binding upon and benefits us. This Arbitration Provision
shall survive the repayment of all amounts owed under this Agreement, any legal proceeding and any bankruptcy,
to the extent consistent with applicable bankruptcy law. This Arbitration Provision survives any termination,
amendment, expiration or performance of any transaction between you and us and continues in full force and
effect unless you and we otherwise agree in writing. In the event of a conflict or inconsistency between this
Arbitration Provision, on the one hand, and the applicable arbitration rules or the other terms of this Agreement,
on the other hand, this Arbitration Provision shall govern.

o. Severability: If any portion of this Arbitration Provision is deemed invalid or unenforceable, such a finding shall
not invalidate any remaining portion of this Arbitration Provision, this Agreement, or any other agreement entered
into by you with us. However, notwithstanding any language in this Arbitration Provision or this Agreement to

the contrary, the Class Action Waiver is not severable from the remainder of this Arbitration Provision and, in
the event that the Class Action Waiver is held to be invalid and unenforceable, and subject to any right of appeal
that may exist with respect  to such determination, any class action or representative proceeding shall be
determined in a court of law and will not be subject to this Arbitration Provision.

p. Notice and Cure; Special Payment: Prior to initiating a lawsuit or an arbitration proceeding under this Arbitration
Provision, the Claimant shall give the other party or parties written notice of the Claim (a “Claim Notice”) and a
reasonable opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you shall be sent in
writing by mail to the address you have provided in your Card application (or any updated address you
subsequently provide). Any Claim Notice to us shall be sent by mail to PO Box 89028, Sioux Falls, SD 57109-
9028 (or any updated address we subsequently provide), attn: ARBITRATION. Any Claim Notice you send must
identify yourself by including your name, address and Account number. Any Claim Notice must explain the
nature of the Claim and the relief demanded. You may only submit a Claim Notice on your own behalf and not
on behalf of any other party. The Claimant must reasonably cooperate in providing any information about the
Claim that the other party reasonably requests and must give the other party a reasonable opportunity to respond
to the demand for relief. If: (i) you submit a Claim Notice in accordance with this paragraph on your own behalf
(and not on behalf  of any other party); (ii) we refuse to provide you  with the  relief you request; and (iii) an
arbitrator subsequently determines that you were entitled to such relief (or greater relief), the arbitrator shall award
you at least $7,500 (not including any arbitration fees and attorneys’ fees and costs to which you may be entitled).

YOUR BILLING RIGHTS

KEEP THIS NOTICE FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Monthly Billing Statement

If you think there is an error on your monthly billing statement, write to us at the address listed on your monthly billing
statement. In your letter, give us the following information:
Account information: Your name and Account number.

 Dollar amount: The dollar amount of the suspected error.
 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you

believe it is a mistake.

You must contact us:
 Within 60 days after the error first appeared on your monthly billing statement.
 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount

you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate
any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we

have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the

bill is correct.

While we investigate whether or not there has been an error:
 We cannot try to collect the amount in question, or report you as delinquent on that amount.


The charge in question may remain on your billing statement, and we may continue to charge you interest on
that amount.

 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
 We  can apply  any unpaid amount  against your credit

limit.

After we finish our investigation, one of two things will happen:


If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that
amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable Interest
Charges and Fees. We will send you a statement of the amount you owe and the date payment is due. We may then
report you as delinquent if you do not pay the amount we think you owe.



If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that
you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning
your bill.  We must tell you the name of anyone to whom we reported you as delinquent, and we must let those
organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do
not have to pay the first $50.00 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in
good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on
the purchase. To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the
purchase price must have been more than $50.00. (NOTE: Neither of these are necessary if your purchase was based
on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)

2. You must have used your Card for the Purchase. Purchases made with Cash Advances from an ATM or with a

check that accesses your Account do not qualify.

3. You must not yet have fully paid for the Purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:

The Bank of Missouri
PO Box 89028
Sioux Falls, SD 57109-9028

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,
we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as
delinquent.

State Disclosures

California Residents: A married applicant may apply for a separate Account. As required by law, you are hereby
notified that a negative credit reporting reflecting on your credit record may be submitted to a Consumer Reporting
Agency if you fail to fulfill the terms of your credit obligations. After credit approval, each applicant shall have the
right to use the Account up to the limit of the Account.
Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding
balances from month to month.
New York and Vermont Residents: We may obtain a consumer report for any legitimate purpose in connection with
your Account or your application, including but not limited to reviewing, modifying, renewing and collecting on your
Account. Upon your request, we will inform you of the names and addresses of any Consumer Reporting Agencies
that have furnished the reports. New York residents may contact the New York State Banking Department (1-877-
226-5697) to obtain a comparative list of credit card rates, fees and grace periods.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all
credit worthy customers, and that Consumer Reporting Agencies maintain separate credit histories on each individual
upon request. The Ohio Civil Rights Commission administers compliance with this law.
Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement, or court order
applying to marital property will adversely affect a creditor’s interests unless prior to the time credit is granted, the
creditor is furnished with a copy of the agreement, statement, or court order, or has actual knowledge of that provision.

© 2020. All rights reserved.

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