addition, you will remain liable until you recover
possession  of  the  Card.  Misuse  of  your  Card
by an authorized person will not be considered
unauthorized use. See “Lost Cards and Unau-
thorized Use” above. Upon demand, you must
immediately return any Card we supply to you
or destroy the Card by cutting it in half.
Transactions. You will retain for Statement ver-
ification your copy of each Purchase slip, Cash
Advance or other transaction to your Account.
Transfer of Your Account. You may not trans-
fer your Account to any other person. We may
assign your Account or amounts owing under
your Account to any other person at any time
and the assignee will take our place under the
Agreement with respect to all agreements and
interests transferred. You must pay the assign-
ee and otherwise perform your obligations un-
der the assigned agreements and interests.
Closing or Suspending Your Account.  We
may  close  or  suspend  your  Account  or  your
ability to obtain credit on your Account, or
both, at any time, for any reason permitted by
law and with or without advance notice.
You  may  close  your  Account  at  any  time  by
contacting us. The closure of Account will not
become effective until you have returned to us
all of the Cards we have given you. If you have
a joint Account and want to remove one of the
names  from  the  Account,  we  must  receive  a
written request signed by both of the Card-
holders on the Account and all Cards must be
returned upon request. No party is released
from the obligation for the balance owing on a
joint Account, unless we agree to the arrange-
ments in writing. You may have to reapply for a
new Card for an individual Account when you
request a change from a joint Account to an
individual Account.
If your Account is closed or suspended for any
reason,  you  must  stop  using  your  Card.  You
must also cancel all billing arrangements to the
Account. We will not do this for you. If we close
or  permanently  suspend  your  Account,  you
must also return all Cards to us. You must still
pay  us  all  amounts  you  owe  on  the  Account,
even if they are charged after your Account is
closed or suspended.
Additional Benefits and Services. From time
to time, we may offer you benefits and services
with your Account. These benefits and services
may be provided by us or third parties. Unless
expressly made a part of this Agreement, and
except as provided in the Arbitration of Dis-
putes section below, any such benefits and
services are not a part of this Agreement, and
are  subject  only  to  the  terms  and  conditions
outlined in the benefits or services brochure
and other official documents provided to you
with respect to the benefits and services. We
may adjust, add, or delete benefits or services
at any time in accordance with the brochures
or documents you receive. Except as required
by applicable law, we are not liable for benefits
or services provided by third parties or the ac-
tions or omissions of those third parties.
Foreign Currency Conversion. Payment must
be made in U.S. Dollars for charges you incur
in any other currency. If you effect a transaction
with  your  Card  in  a  currency  other  than  U.S.

13541961_1_M-134158.indd   1

Dollars, Mastercard International Incorporated
(“Mastercard”)  will  convert  the  charge  into  a
U.S. Dollar amount. Mastercard will act in ac-
cordance with its operating regulations or con-
version procedures in effect at the time that the
transaction is processed. Currently, the curren-
cy conversion rate used by Mastercard to de-
termine the transaction amount in U.S. Dollars
for such transactions is generally either a gov-
ernment mandated rate or a wholesale rate de-
termined by Mastercard for the processing cy-
cle in which the transaction is processed. The
currency  conversion  rate  used  by  Mastercard
on the processing date may differ from the rate
that  would  have  been  used  on  the  Purchase
date  or  monthly  Statement  posting  date.  We
will also assess a Foreign Currency Conversion
Fee interest charge as described in the “How
Interest Charges are Determined” section.
Honoring Your Card. We are not responsible
if  anyone  refuses  to  accept  your  Card  or  Ac-
count for any reason. Although you may have
credit  available,  we  may  decline  any  transac-
tion  for  any  reason.  We  are  not  liable  for  any
refusal to honor your Card or Account.
From  time  to  time,  due  to  circumstances  be-
yond our control (such as system failures, nat-
ural  disasters,  or  other  unpredictable  events),
our services may not be available. When this
happens, you may be unable to use your Card
or obtain information about your Account. We
will not be responsible or liable if this happens.
Change of Address, Employment and Tele-
phone.  We  will  send  all  written  notices  and
Statements  to  your  address  as  it  appears  on
our records. To avoid delays and missed pay-
ments that could affect your credit standing,
you agree to promptly advise us if you change
your mailing address, place of employment, or
telephone number.
Severability. In the event that any provision of
this  Agreement  is  determined  to  be  invalid  or
unenforceable  for  any  reason,  the  remaining
provisions will remain in effect.
Interpretation.  This
Entire Agreement;
Agreement  (including  other  documents  incor-
porated  herein  by  reference)  constitutes  the
final expression of the credit agreement be-
tween  you  and  us  relating  to  your  Account.
The  headings  used  in  this  Agreement  are  for
the convenience of reference only and are not
intended to define or describe the scope or in-
tent of any portion of the Agreement.
Governing Law. Except as expressly set forth
in  the  Arbitration  of  Disputes  section,  this
Agreement and the interpretation and enforce-
ment  thereof  (including  but  not  limited  to  the
exportation of interest rates) will be governed
by Federal law that applies to us, and to the ex-
tent not preempted by Federal law, the laws of
the State of Utah, without regard to its conflicts
of law provisions and principles. If there is any
conflict between any of the terms and condi-
tions of this Agreement and applicable Federal
or State law, this Agreement will be considered
changed to the extent necessary to comply
with the applicable law.
Arbitration of Disputes Provision. PLEASE
READ THIS ARBITRATION OF DISPUTES
PROVISION CAREFULLY. UNLESS YOU SEND

US THE REJECTION NOTICE DESCRIBED
BELOW, THIS PROVISION WILL APPLY TO
YOUR ACCOUNT, AND MOST DISPUTES BE-
TWEEN YOU, ON THE ONE HAND, AND US
OR ANY SERVICER OF YOUR ACCOUNT, IN-
CLUDING, BUT NOT LIMITED TO, GENESIS
FS CARD SERVICES, INC. (“GENESIS”), ON
THE OTHER HAND, WILL BE SUBJECT TO IN-
DIVIDUAL ARBITRATION. THIS MEANS THAT:
(1) NEITHER A COURT NOR A JURY WILL RE-
SOLVE ANY SUCH DISPUTE; (2) YOU WILL
NOT BE ABLE TO PARTICIPATE IN A CLASS
ACTION OR SIMILAR PROCEEDING; (3) LESS
INFORMATION WILL BE AVAILABLE; AND (4)
APPEAL RIGHTS WILL BE LIMITED. THIS AR-
BITRATION OF DISPUTES PROVISION DOES
NOT APPLY TO YOU IF, AS OF THE DATE OF
THIS AGREEMENT, YOU ARE A MEMBER OF
THE ARMED FORCES OR A DEPENDENT OF
SUCH MEMBER ENTITLED TO PROTECTION
UNDER THE FEDERAL MILITARY LENDING
ACT. PLEASE SEE THE SECTION OF THIS
AGREEMENT LABELED “MILITARY LENDING
ACT.” IF YOU WOULD LIKE MORE INFORMA-
TION ABOUT WHETHER YOU ARE ENTITLED
TO PROTECTION UNDER THE FEDERAL MIL-
ITARY LENDING ACT, YOU MAY CONTACT US
AT 1-800-583-5698.
This provision replaces any existing arbitra-
tion  provision  with  us  and  will  stay  in  force
no  matter  what  happens  to  your  Account,  in-
cluding the closing of your Account. Except as
expressly provided below, you must arbitrate
individually,  by  binding  arbitration  under  the
Federal Arbitration Act (“FAA”), any dispute or
claim between you, any joint Cardholder and/
or Authorized User, on the one hand, and us ,
our affiliates, and agents, and/or any servicer
limited
of your Account,
to,  Genesis,  on  the  other  hand,  if  the  dispute
or  claim  arises  out  of  or  is  related  to  (a)  this
Agreement  (including  without  limitation,  any
dispute  over  the  validity  of  this  Agreement  to
arbitrate disputes or of this entire Agreement),
or (b) your Account, or (c) any relationship re-
sulting  from this Agreement,  or (d) any insur-
ance or other service related to your Account,
or (e) any other agreement related to your Ac-
count (including prior agreements) or any such
service, or (f) breach of this Agreement or any
other such agreement, whether based on stat-
ute, contract, tort or any other legal theory (any
“Claim”). However, we will not require you to
arbitrate any individual Claims in small claims
court or your state’s equivalent court, so long
as it remains an individual case in that court.
YOU AGREE NOT TO PARTICIPATE IN A
CLASS, REPRESENTATIVE OR PRIVATE AT-
TORNEY GENERAL ACTION AGAINST US
OR ANY SERVICER OF YOUR ACCOUNT,
INCLUDING, BUT NOT LIMITED TO, GEN-
ESIS,
IN COURT OR ARBITRATION. ALSO,
YOU MAY NOT BRING CLAIMS AGAINST US
OR ANY SERVICER OF YOUR ACCOUNT, IN-
CLUDING, BUT NOT LIMITED TO GENESIS,
ON BEHALF OF ANY CARDHOLDER WHO IS
NOT A JOINT CARDHOLDER WITH YOU OR
AN AUTHORIZED USER ON YOUR ACCOUNT
(AN “UNRELATED CARDHOLDER”), AND YOU
AGREE THAT NO UNRELATED CARDHOLD-

including, but not

ER MAY BRING ANY CLAIMS AGAINST US
OR ANY SERVICER OF YOUR ACCOUNT, IN-
CLUDING, BUT NOT LIMITED TO, GENESIS,
ON YOUR BEHALF. CLAIMS BY YOU AND AN
UNRELATED CARDHOLDER MAY NOT BE
JOINED IN A SINGLE ARBITRATION. THE AR-
BITRATOR WILL NOT HAVE THE POWER TO
CONSIDER SUCH CLASS, REPRESENTATIVE
OR PRIVATE ATTORNEY GENERAL ACTIONS
OR ANY SUCH CLAIMS YOU BRING ON BE-
HALF OF AN UNRELATED CARDHOLDER.
Judgment on the arbitration award may be en-
tered in any court having jurisdiction. Any dis-
pute regarding whether a particular controversy
is subject to arbitration, or the applicability or
enforceability  of  the  foregoing  paragraph,  will
be decided by a court and not by an arbitrator.
If  you  or  we  or  any  servicer  of  your  Account,
including, but not limited to, Genesis, elect to
arbitrate a claim, the electing party must notify
the  other  party  in  writing.  The  notice  can  be
given after the beginning of a lawsuit and can
be given in papers filed in the lawsuit. Other-
wise, your notice must be sent to Genesis FS
Card Services, Inc., Attn: Arbitration Demand,
P.O. Box 4477, Beaverton, Oregon 97076, and
our notice must be sent to the most recent ad-
dress for you in our files. The arbitration will be
administered  by  the  American  Arbitration  As-
sociation (the “AAA”) under its rules in effect at
the time an arbitration is commenced that are
applicable  to  the  resolution  of  consumer  dis-
putes (the “Arbitration Rules”). We will tell you
how to contact the AAA and how to get a copy
of the Arbitration Rules without cost if you ask
us in writing to do so. The Arbitration Rules
permit you to request deferral or reduction of
the administrative fees of arbitration if paying
them would cause you a hardship. In addition,
if  you  ask  us  in  writing,  we  will  consider  your
request to pay any or all of your costs of arbi-
tration.
Each  arbitrator  shall  be  a  licensed  attorney
who has been engaged in the private practice
of  law  continuously  during  the  ten  years  im-
mediately preceding the arbitration or a retired
judge  of  a  court  of  general  or  appellate  juris-
diction. The arbitration award shall award only
such relief as a court of competent jurisdiction
could properly award under applicable law, in-
cluding attorneys’ fees if allowed by applicable
law or agreement. All statutes of limitation, de-
fenses, and attorney-client and other privileg-
es that would apply in a court proceeding will
apply in the arbitration.
If any provision of this Section regarding arbi-
tration of disputes shall be deemed to be un-
enforceable, the remainder of this Section shall
be given full force and effect. However, if the
provision precluding class, representative or
private attorney general Claims in arbitration is
deemed unenforceable, then this  entire  Arbi-
tration Agreement shall be void and of no force
and effect.
You  may  reject  this  provision,  in  which  case
only  a  court  may  be  used  to  resolve  any  dis-
pute or claim. Rejection will not affect any
other aspect of the Agreement. To reject this
Provision,  you  must  send  us  a  notice  within

sixty (60) days after you open your Account or
we first provide you with a right to reject this
Provision. This notice must include your name,
address and Account Number and be mailed
to  Genesis  FS  Card  Services,  Inc.,  Attn:  Ar-
bitration Provision, P.O. Box 4477, Beaverton,
Oregon 97076. This is the only way you can re-
ject this Provision.
YOUR BILLING RIGHTS – KEEP THIS
NOTICE FOR FUTURE USE
This notice tells you about your rights and our
responsibilities  under  the  Fair  Credit  Billing
Act.
What To Do If You Think You Find A Mistake
On Your Statement
If you think there is an error on your Statement,
please  write  to  us  at:  Genesis  FS  Card  Ser-
vices, P.O. Box 4499, Beaverton, OR 97076-
4499.
In your letter, give us the following information:
• Account information: Your name and Ac-

count number.

• Dollar amount: The dollar amount of the

suspected error.

• Description of problem: If you think there
is an error on your bill, describe what you
believe is wrong and why you believe it is
a mistake.
You must contact us:

• Within 60 days after the error appeared

on your Statement.

• At least three (3) business days before an
automated payment is scheduled, if you
want to stop payment on the amount you
think is wrong.

You  must  notify  us  of  any  potential  errors in
writing. You may call us, but if you do we are
not required to investigate any potential errors,
and you may have to pay the amount in ques-
tion.
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  let-
ter. We will also tell you if we have already
corrected the error.

2. Within 90 days of receiving your letter, we
must either correct the error or explain to
you why we believe the bill is correct.
While we investigate whether or not there
has been an error:

• We cannot try to collect the amount in
question, or report you as delinquent on
that amount.

• The charge in question may remain on
your Statement, and we may continue to
charge you interest on that amount.

• While you do not have to pay the amount
in question, you are responsible for the
remainder of your balance.

• We can apply any unpaid amount against

your Credit 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 inter-
est or other fees related to that amount.
If we do not believe there was a mistake:
You will have to pay the amount in ques-
tion,  along  with  applicable  interest  and
fees. We will then send you a Statement
of the amount you owe and the date pay-
ment is due. We may then report you as
delinquent if you do not pay the amount
we think you owe.

If you receive our explanation but still believe
your bill is wrong, you must write to us within
10 days telling us that you still refuse to pay. If
you do so, we cannot report you as delinquent
without also reporting that you are questioning
your bill. We must tell you the name of anyone
to whom we reported you as delinquent, and
we must  let  those organizations know  when
the matter has been settled between us. If we
do not follow all of the rules above, you do not
have to pay the first $50 of the amount you
question, even if your bill is correct.
Your Rights If You Are Dissatisfied With
Your Credit Card Purchases
If you are dissatisfied with the goods or ser-
vices that you have purchased with your credit
card, and you have tried in good faith to cor-
rect the problem with the merchant, you may
have the right not to pay the remaining amount
due on the Purchase. To use this right, all of the
following must be true:

1. The  Purchase  must  have  been  made  in
your  home  state  or  within  100  miles  of
your  current  mailing  address,  and  the
Purchase  price  must  have  been  more
than $50. (Note: Neither of these are nec-
essary  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 credit card for
the Purchase. Purchases made with cash
advances  from  an  ATM  or  with  a  check
that  accesses  your  credit  card  account
do not qualify.

3. You  must  not  yet  have  fully  paid  for  the

Purchase.

If all of the criteria above are met and you are
still dissatisfied with the Purchase, contact us
in  writing  at  Genesis  FS  Card  Services,  P.O.
Box 4499, Beaverton, OR 97076-4499. While
we investigate, the same rules apply to the
disputed  amount  as  discussed  above.  After
we finish our investigation, we will tell you our
decision. At that point, if we think you owe an
amount and you do not pay, we may report you
as delinquent.

The Card Issuer:
First Electronic Bank

Destiny® Mastercard® Cardholder Agreement

M-134158

Dear Cardholder:
This Agreement, as defined below, is your contract for your Account and:

• Covers the terms that govern the use of your Account;
• Outlines both your responsibilities and ours;
•

Includes the Pricing Information and other disclosures required by the Federal
Truth in Lending Act;
Includes certain disclosures required by the Federal Military Lending Act;
Includes an Arbitration of Disputes Provision that will substantially affect your
rights unless you reject it; and

•
•

• Contains important information about your Account.

We encourage you to read the Agreement and keep it for your records. Please feel free
to call us with any questions you may have. We look forward to serving you.

CARDHOLDER AGREEMENT
This Agreement contains the terms that govern the use of your Destiny Mastercard Account and
outlines both your responsibilities and ours. Please read it in its entirety and keep it for your ref-
erence. In addition, any written application, acceptance certificate or other request you signed or
otherwise submitted for this Account (the “Application”), your Card and the Card Carrier that we
send with your Card, and your signature (including any electronic or digital signature) on any Appli-
cation, sales slip or other evidence of indebtedness on your Account, are hereby incorporated into
and made a part of this Agreement. This Agreement begins on the earlier of (i) the date you sign or
otherwise submit an Application that is approved by us, or (ii) the first date that we extend credit
to you on your Account, as evidenced by a signed sales slip or memorandum, a Cash Advance
transaction, or otherwise.
Definitions. To simplify this Agreement for you, the definitions listed below will apply throughout,
both in this Agreement and in your monthly Statements. In addition, the words you, your, and yours
refer to the Cardholder(s) who holds the Card and is responsible for the Account, each of whom
is individually and jointly obligated under this Agreement. The words we, us, and our refer to First
Electronic Bank.
Account: The credit card account for which you were issued a Card imprinted with your Account
number and that is subject to all of the terms and conditions of this Agreement.
ATM: Automated Teller Machine.
Billing Cycle: The time interval covered by a monthly Statement. Each Billing Cycle is approximate-
ly 30 days in length; however, the specific period of time is described on each monthly Statement.
Your Account will have a Billing Cycle even if a Statement is not required.
Card: Any Destiny Mastercard issued by us that you may use to obtain a Cash Advance, make
Purchases, or lease goods or services on credit. Use of your Account number to obtain credit will
be considered a use of the Card.
Card Carrier: The carrier that contains your Card.
Cardholder: The person to whom a Card is issued, or who has agreed to pay obligations arising
from a Card issued to another person.
Cash Advance: Credit extended to you in the form of a cash loan through any financial institution
honoring the Card either presented directly or through any other credit instrument, check, device,
overdraft coverage plan or ATM that we make available to you or that you use. All cash equivalent
transactions will be treated as Cash Advances and will be billed to the Cash Advance segment of
your Account. Transactions that we view as “cash equivalent transactions” include without limita-
tion using your Card to purchase wire transfer money orders, bets, lottery tickets, casino gaming
chips, and other similar products and services.
Closing Date: The date of the last day of a Billing Cycle.
Credit Limit: The maximum amount of credit available to you on your Account. Your Credit Limit will
be disclosed on your Card Carrier and your monthly Statements.
Purchase: Any extension of credit to your Account for the purpose of purchasing or leasing goods
or services from participating merchants.
Statement: A monthly document we provide to you showing Account information including, among
other things, Purchase and Cash Advance transactions, credits and debits, payments, fees, and
interest charges made to your Account during a Billing Cycle.
Purchases and Cash Advances. You may use your Card to purchase or lease goods or services
from  participating  merchants.  You  may also  use  your Card  to  obtain  Cash  Advances  from  your
Account at an ATM, or by presenting it to any institution that accepts the Card for that purpose.
There are dollar limitations on individual Cash Advance transactions, and we may set a Cash Ad-
vance Limit for your Account. Please contact us for information about the Cash Advance limitations

6

7

8

1

6/29/21   10:10 AM

that apply to your Account. In addition, we may
limit your Account to only one Cash Advance
transaction per day.
You  promise  to  pay  us  and  are  liable  for  all
amounts  resulting  from  the  authorized  use  of
your Card or Account, plus any applicable in-
terest  charges  and  other  applicable  charges
or fees, payable in U.S. dollars. This includes
amounts  where  you  did  not  sign  a  purchase
slip  or  other  documents  for  the  transaction.
If  you use  your  Account  number  without  pre-
senting  your  actual  Card,  such  as  for  mail,
telephone,  or  internet  purchases,  this  will  be
treated the same way as if you presented your
Card. Your promise to pay us will apply to your
estate if you die.
We  may  limit  and  restrict  the  use  of  the  Ac-
count/Card at our discretion. Such limitations
and restrictions include, but are not limited to,
gambling transactions, which include, but are
not limited to, internet-related lottery tickets,
casino gambling chips, off-track betting and
wagers  at  racetracks.  You  remain  responsi-
ble  for use  of  your Account/Card in  any such
transactions.
The Card may only be used for valid and lawful
purposes. If you use, or you authorize someone
else to use, the Card or Account for an unlawful
or impermissible purpose, you will be respon-
sible for such use and may be required to reim-
burse us or Mastercard for any amounts or ex-
penses we or they incur as a result of such use.
The Card is and remains our property, and you
will surrender it to us at any time upon request.
Your Credit Limit. You may not use your Ac-
count in any way that would cause you to go
over your Credit Limit. We may refuse to autho-
rize or accept any transaction on your Account
that would cause you to exceed your Credit
Limit, even if you have authorized us to charge
you  an  Overlimit  Fee  for  doing  so.  We  may
temporarily agree to allow you to exceed your
Credit Limit; however, in that case you must re-
pay the excess amount according to the terms
of  this  Agreement.  Any  transactions  honored
in excess of your Credit Limit will not result in
an increase of your Credit Limit. We may at any
time  and  without  prior  notice  to  you  increase
or decrease your Credit Limit, limit the Cred-
it Limit for Cash Advances or take away your
ability to obtain Cash Advances.
MAKING PAYMENTS
Monthly Statements.  We  will  send  a  State-
ment at the end of each monthly Billing Cycle
if there is a debit or credit balance on your ac-
count of $1 or more, a balance on which an
interest charge has been imposed, or as other-
wise required by applicable law. You agree to
pay us, or any party to whom we may transfer
and assign your Account or the amounts owing
under your Account, in U.S. dollars according
to all terms and conditions of this Agreement.
Payments  made  by  a  check,  money  order  or
other negotiable instrument must be in a form
acceptable to us and drawn on a U.S. financial
institution.
Monthly Minimum Payment.  The  Monthly
Minimum Payment is 7% of your New Balance
or $40, whichever is greater, rounded to near-

est dollar. If you elect not to pay your New Bal-
ance in full, you must pay at least the Monthly
Minimum  Payment  by  the  Payment  Due  Date
shown on your Statement, which is at least 25
days  after  the  Closing  Date  of  the  Billing  Cy-
cle. Your Monthly Minimum Payment also will
include any past due amounts. If your New Bal-
ance is less than or equal to your Monthly Min-
imum  Payment,  then  your  Monthly  Minimum
Payment will be equal to your New Balance.
Payments should be mailed with the payment
coupon and in the envelope provided and fol-
lowing the other instructions on the Statement
to Genesis FS Card Services, P.O. Box 23030,
Columbus, GA 31902-3030. Any payment re-
ceived in that form and at that address on or
before 5:00 P.M., Eastern Time, on a normal
banking  day  will  be  credited  to  your  Account
that day. If your payment is received in that
form and at that address after 5:00 P.M., East-
ern Time, on a normal banking day, or any time
on a non-banking day, we will credit it to your
Account the next banking day. However, if your
Payment  Due  Date  occurs  on  a  non-banking
day, any payment received the next day which
conforms to the above requirements will not be
treated as late. Please allow at least seven (7)
business  days  for  postal  delivery.  Payments
received by us at any other location or in any
other form may not be credited as of the day
we receive them.
If we accept a payment at a place other than
the  address  in  the  immediately  preceding
paragraph,  we  may  delay  the  crediting  of  the
payment for up to five (5) days. This may cause
you to incur Late Fees and additional interest
charges, and may result in your Account being
declared in default.
We do not accept cash payments through the
mail. You may not make payments with funds
from your Account or any other credit account
issued by us.
When  you  provide  a  check  as  payment,  you
authorize us either to use information from
your check to make a one-time electronic fund
transfer  from  your  account  or  to  process  the
payment as a check transaction. When we use
information from your check to make an elec-
tronic  fund transfer, funds may  be withdrawn
from your account as soon as the same day we
receive your payment and you will not receive
your check back from your financial institution.
At any time, you may pay part or all of the full
amount  you  owe  without  incurring  any  addi-
tional  charge  for  prepayment.  The  amount
of any payment that exceeds your total New
Balance will be applied as a credit to your Ac-
count, and any remaining credit balance will be
refunded as required by law.
Credit  availability  may  be  delayed  at  our  sole
discretion  to  ensure  payment  in  good  funds.
Your available credit on your Credit Limit may
not reflect your payments for up to 14 days.
Application of Payments. For each Billing Cy-
cle, payments up to the amount of your Month-
ly  Minimum  Payment  will  be  allocated  in  any
way we determine, including to balances with
lower Annual Percentage Rates before balanc-
es with higher Annual Percentage Rates. We
will generally apply payments up to the amount

of your Monthly Minimum Payment in a manner
most favorable or convenient for us.
For each Billing Cycle, to the extent your pay-
ments exceed your Monthly Minimum Pay-
ment, we will apply these excess amounts in
the order required by applicable law.
HOW INTEREST CHARGES ARE
DETERMINED
Your interest  charge for any  Billing Cycle  will
include the following components, the total of
which constitutes your total interest charge for
the Billing Cycle:

1. A  Cash  Advance  Transaction  Fee  im-
posed  on  each  Cash  Advance  transac-
tion  posted  during  a  Billing  Cycle,  in  an
amount equal to the greater of $5 or 5%
of  the  amount  of  each  Cash  Advance,
not to exceed $100. Any unpaid Cash
Advance  Transaction  Fee  will  be  added
to the calculation of your Average Daily
Balance of Cash Advances.

2. Periodic  interest  charge  computed  by
applying the applicable Monthly Periodic
Rate or Rates, determined as provided
below  under Computing the Purchase
and Cash Advance Balance Month-
ly Periodic Rates and Corresponding
Annual Percentage Rates (APR) to:
a. your  Average  Daily  Balance  of  Cash
Advances  (including  new  Cash  Ad-
vances); and

b. your  Average  Daily  Balance  of  Pur-
chases (including new Purchases).
However, if the total of the amounts so
computed is an amount less than $1,
then  a  Minimum  Interest  Charge  Fee  of
$1 will be imposed instead of such small-
er amounts.

3. A  Foreign  Currency  Conversion  Fee  in
an amount equal to 1% of the converted
U.S.  dollar  amount  of  each  transaction,
including  Cash  Advances  and  Purchas-
es, that is effected in any currency other
than U.S. dollars.

When Interest Charges Begin to Accrue. In-
terest charges on Purchases will be imposed at
the applicable Monthly Periodic Rate from the
date each Purchase is made, and will continue
to accrue on unpaid balances as long as they
remain unpaid. However, we do not assess in-
terest charges in the following circumstances:
1. If you paid the New Balance at the begin-
ning of your previous Billing Cycle by the
Payment  Due Date during  the previous
Billing Cycle, or if that New Balance was
$0 or a credit balance, then:
a. if you pay the New Balance on your
current  Statement  in  full  by  the  Pay-
ment  Due  Date  in  your  current  Bill-
ing Cycle, we will not assess interest
charges on Purchases during your cur-
rent Billing Cycle; and

b. if you make a payment that is less than
the New Balance by the Payment Due
Date  in  your  current  Billing  Cycle,  we
will credit that payment as of the first
day in your current Billing Cycle.

2. If you had a New Balance at the begin-
ning  of  your  previous  Billing  Cycle  and
you did not pay that New Balance by the
Payment  Due  Date  during  that  previous
Billing Cycle, then we will not assess in-
terest  charges  on  any  Purchases  during
the  current  Billing  Cycle  if  you  pay  the
New Balance at the beginning of your
current Billing Cycle by the Payment Due
Date in your current Billing Cycle.

Periodic interest charges on Cash Advances
will be imposed at the applicable Monthly Pe-
riodic Rate from the date each Cash Advance
is made and will continue to accrue on unpaid
balances as long as they remain unpaid. There
is  no  grace  period  on  Cash  Advances  and
there is no period within which to pay to avoid
interest charges on Cash Advances.
Calculating the Purchase and Cash Ad-
vance Balance Subject to Interest Charges
Average Daily Balance of Purchases (in-
cluding new Purchases): To get the Average
Daily Balance of Purchases, we take the begin-
ning  Purchase  balance  of  your  Account  each
day, including unpaid fees, interest charges on
Purchases  and  Foreign  Currency  Conversion
Fees  on  Purchases,  add  any  new  Purchases
and new fees as of the date of transaction, and
subtract  the  applicable  portion  of  any  pay-
ments  and  credits  as  of  the  transaction  date.
On the first day of a Billing Cycle, we also add
any unpaid Late Fees and Overlimit Fees. This
gives us the daily balance for Purchases. Then
we add all these daily balances for the Billing
Cycle together and divide the total by the num-
ber of days in the Billing Cycle. This gives us
the Average Daily Balance of Purchases.
Average Daily Balance of Cash Advances
(including new Cash Advances):  To  get  the
Average Daily Balance of Cash Advances, we
take  the  beginning  Cash  Advance  balance  of
your  Account  each  day,  including  unpaid  in-
terest charges on Cash Advances and Foreign
Currency Conversion Fees on Cash Advances,
add any new Cash Advances as of the date of
transaction,  add  the  Cash  Advance  Transac-
tion Fee on any Cash Advances as of the trans-
action  date  of  each  Cash  Advance,  and  sub-
tract the applicable portion of any payments
and  credits  as  of  the  transaction  date.  This
gives us the daily balance for Cash Advances.
Then  we  add  all  these  daily  balances  for  the
Billing  Cycle  together  and  divide  the  total  by
the  number  of  days  in  the  Billing  Cycle.  This
gives  us  the  Average  Daily  Balance  of  Cash
Advances.
Computing the Purchase and Cash Ad-
vance Balance Monthly Periodic Rates and
Corresponding Annual Percentage Rates
(APR)
Monthly Periodic Rates: The Monthly Period-
ic Rate is calculated by dividing the APR by 12.
See the Pricing Information for the APRs and
Monthly Periodic Rates.
OTHER FEES
In addition to interest charges, a variety of fees
may  be  applied  to  your  Account,  as  set  forth
below.

Annual Fee.  We  will  charge  an  initial  Annual
Fee to your Account on or about the date your
Account is opened and then a renewal Annual
Fee on or about each anniversary of that date.
The initial Annual Fee is nonrefundable; the re-
newal Annual Fee is also nonrefundable unless
you notify us to cancel your Account within 30
days from the mailing date of the billing State-
ment  or  other  communication  containing  the
renewal Annual Fee notice. If your Account has
an initial and renewal Annual Fee, see the Pric-
ing Information for the amount of the Fee.
Monthly Fee. We will charge a Monthly Fee to
your Account at the close of each Billing Cycle
unless you  notify us  to cancel your Account.
Your payment of the Monthly Fee does not in
any way limit any of our rights or remedies un-
der this Agreement, in law, or in equity, includ-
ing  without  limitation,  our  right  to  close  your
Account or limit transactions on your Account
pursuant  to  this  Agreement.  If  your  Account
has a Monthly Fee, see the Pricing Information
for the amount of the Fee.
Late Fee.  If  we  do  not  receive  your  Monthly
Minimum  Payment  by  the  Closing  Date  of  the
Billing  Cycle  in  which  the  Payment  Due  Date
occurs  and  the  amount  past  due  on  your  Ac-
count is more than $9.99, we will charge a Late
Fee to your Account. The Late Fee will never ex-
ceed the amount of your most recently required
Monthly Minimum Payment. See the Pricing In-
formation for the amount of the Late Fee.
Minimum Interest Charge Fee. If the periodic
interest charge amounts computed in the How
Interest Charges Are Determined section
are an amount less than $1, then a Minimum In-
terest Charge Fee of $1 will be charged instead
of such smaller amounts and will be treated as
a  fee  on  your  billing  statement  and  added  to
your Purchases at our discretion.
Returned Payment Fee.  If any  payment on
your Account is returned to us unpaid for any
reason, we will charge a Returned Payment
Fee to your Account. The Returned Payment
Fee will never exceed the amount of your most
recently required Monthly Minimum Payment.
See the Pricing Information for the amount of
the Returned Payment Fee.
Overlimit Fee. If you elected to have overlim-
it  coverage,  we  may  charge  an  Overlimit  Fee
when  a  transaction  causes  you  to  go  over  or
remain over your Credit Limit during any Bill-
ing Cycle. We may also charge you two addi-
tional Overlimit Fees if your New Balance re-
mains over your Credit Limit as of the Payment
Due Date in future Billing Cycles. We will only
charge you one Overlimit Fee per Billing Cycle,
even if you go over your Credit Limit multiple
times in the same Billing Cycle. The Overlimit
Fee will never exceed the maximum amount
you are over your Credit Limit during the Bill-
ing  Cycle.  See  the  Pricing  Information  for  the
amount of the Overlimit Fee.
Documentation Fee. You may request a
copy  of  a  Statement  previously  sent  to  you
for a Documentation Fee of $3 per Statement,
which will be applied to your Account. Copies
of  sales  tickets  or  other  items  posted  to  your
Account may be obtained for a Documentation

Fee of $10 per sales ticket or other item, which
will be applied to your Account. Notwithstand-
ing the foregoing, we will not impose any fee in
connection with a good faith assertion of a bill-
ing error or other exercise of your Billing Rights
(see below under “Your Billing Rights - Keep
This Notice for Future Use”).
MILITARY LENDING ACT
The Military Lending Act provides protections
for Covered Borrowers. The provisions of this
section  apply  to  Covered  Borrowers.  If  you
would like more information about whether you
are a Covered Borrower, you may contact us at
1-800-583-5698.
Statement of MAPR. Federal law provides im-
portant protections to members of the Armed
Forces and their dependents relating to exten-
sions of consumer credit. In general, the cost
of consumer credit to a member of the Armed
Forces and his or her dependent may not ex-
ceed an Annual Percentage Rate of 36%. This
rate  must  include,  as  applicable  to  the  credit
transaction or account: (1) the costs associ-
ated  with  credit  insurance  premiums;  (2)  fees
for  ancillary  products  sold  in  connection  with
the credit transaction; (3) any application fee
charged (other than certain application fees for
specified credit transactions or accounts); and
(4) any participation fee charged (other than
certain participation fees for a credit card ac-
count).
Oral Disclosures.  In  order  to  hear  important
disclosures  and  payment  information  about
this Agreement, you may call 1-800-290-6421.
Applicability of Arbitration of Disputes Pro-
vision.  The  Arbitration  of  Disputes  Provision
set  forth  in  this  Agreement  does  not  apply  to
Covered Borrowers.
LOST CARDS AND 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 if someone else
might be using it without your permission, you
must tell us at once. You may tell us by  call-
ing the telephone number on the back of your
Card or on your Statement or by writing us at
the address on your Statement. You will not be
responsible for the charges made to your Ac-
count that are found by us to be unauthorized.
If we reimburse your Account for unauthorized
charges  made  using  your  Card  or  Account,
you will help us investigate, pursue, and get
reimbursement from the wrongdoer. Your help
includes giving us documents that we ask for
and are acceptable to us.
COMMUNICATIONS
Telephone Monitoring and Recording;
Communications.  You  consent  and  agree
that, except as restricted by applicable law,
we may monitor and/or record telephone calls
regarding your Account, suppress caller iden-
tification services, use prerecorded messages,
and  use  an  automated  telephone  dialing  and
announcing system. You expressly consent
that  we  and  our  agents,  any  servicer,  or  any
subsequent owner of your Account may (i)
contact you at any cellular telephone number
that you provided as part of your application,

at  any  number  that  you  later  provide  (includ-
ing, without limitation, after your Account is in
a default status), or at any other number that is
identified as related to you, including by text
message, and (ii) use automated telephone di-
aling systems to initiate such contacts and/or
leave recorded messages.
If you provide us at any time with an email con-
tact for your Account, you agree we may use
that email address to contact you about your
Account and may send you information about
products and services related to your Account.
We  or  our  representatives  may  contact  you
from  time  to  time  regarding  the  Account,  or
to ask for additional information about you or
your experience with us. You agree that such
contacts are not unsolicited and may include
contacts at your home or place of employment,
during  weekdays,  weekends  or  holidays,  on
your mobile telephone, voicemail or answering
machine, or by email, fax, recorded message,
text message or personal visit.
How to Revoke Consent for Future Com-
munications: If you want to revoke your con-
sent  to  future  communications  as  described
in  the  previous  paragraph,  you  must  send  us
a  written  notice  that  includes:  (i)  your  name,
mailing  address,  and  Account  number(s);  (ii)
the specific telephone number(s), email ad-
dress(es)  and/or  mailing  address(es)  at  which
you no longer wish us to contact you, and (iii)
the types of communications (telephone, text,
email, and/or mail) for which you are revoking
consent. You must send this written notice to:
Genesis FS Card Services, P.O. Box 4477, Bea-
verton, OR 97076. You understand and agree
that it may take up to three business days after
receipt of your written notice to process your
request, and that you consent to continued
communications during this period of time.
OUR RIGHTS AND HOW THEY
AFFECT YOU
Merchant Refunds.  If  a  merchant  agrees  to
give  you  a  refund  for  goods  or  services  pur-
chased  with  your  Card  or  Account,  you  will
accept  a  credit  on  your  Account  instead  of  a
cash  refund.  We  do  not  control  when  a  mer-
chant  sends  us  your  refund  and  we  will  have
a reasonable amount of time after we receive
your refund to process it.
No Waiver of Rights; Disputed Amounts. We
can accept late or partial payments without
losing any of our rights under this Agree-
ment. You agree not to send us partial
payments marked “paid in full,” “without
recourse,” or similar language. If you send
such a payment, we may accept it without
losing any of our rights under this Agree-
ment. All written communications concern-
ing disputed amounts, including any check
or other payment instrument that indicated
that the payment constitutes “payment in
full” of the amount owed or that is tendered
with other conditions or limitations or as
full satisfaction of a disputed amount, must
be mailed or delivered to Genesis FS Card
Services, P.O. Box 4499, Beaverton, Oregon
97076.

Credit Reports and Information. You au-
thorize  us  to  make  or  have  made  any  credit,
employment, or other investigative inquiries
we deem appropriate to extend you credit or
collect amounts owed to us on your Account.
We (including any assignee of the Account or
amounts  owing  under  the  Account)  may  also
obtain  information  about you  from credit  re-
porting agencies or others at any time and use
it  for  the  purposes  of  monitoring  your  cred-
it  performance,  managing  your  Account  and
considering you for new offers and programs.
Notice of Inaccurate Information. If you be-
lieve  that  we  have  information  about  you  that
is inaccurate or that we have reported or may
report to a credit reporting agency information
about  you  that  is  inaccurate,  please  notify  us
of the specific information that you believe is
inaccurate by writing to us at Genesis FS Card
Services, P.O. Box 4499, Beaverton, OR 97076.
Default and Collection. Unless prohibited by
applicable law, your Account is considered to
be in default if (1) you fail to make the required
Monthly  Minimum  Payment  on  or  before  the
Payment Due Date, including if your payment
is returned or cannot be processed and you do
not correct that failure within 31 days, (2) you
try to exceed or do exceed your Credit Limit
without permission and do not bring your Ac-
count back under your Credit Limit within 31
days, (3) you become subject to bankruptcy or
insolvency proceedings, (4) you become sub-
ject  to  attachment  or  garnishment  proceed-
ings, (5) you give us any false information or
signature,  (6)  you  die,  or  (7)  you  fail  to  com-
ply  with  any  portion  of  this  Agreement.  Our
accepting  a  late  or  partial  payment  does  not
waive default. Default on this Account will con-
stitute  default  on  all  accounts  you  hold  with
us.  Subject  to any  notice  of default and  right
to cure or other restrictions of applicable law,
if  you  are  in  default,  we  may  declare  the  en-
tire balance due immediately. You agree to pay
our reasonable costs and attorneys’ fees and
expenses related to the collection of your Ac-
count, and retrieving your Card, to the extent
permitted by applicable laws.
Change of Terms. Subject to the limita-
tions of applicable law, we may, at any time,
change or remove any of the terms and
conditions of, or add new terms or con-
ditions to, this Agreement. If required by
applicable law, we will mail written notice
of such a change to you in the manner re-
quired by such law. As of the effective date,
the changed or new terms will apply to new
Purchases and Cash Advances and also to
the outstanding balance of your Account,
subject to the limitations of applicable law.
Delay in Enforcement. We can delay enforc-
ing  our  rights  under  this  Agreement  without
losing them.
OTHER PROVISIONS
Ownership and Use of Your Card.  As  the
Cardholder, you are liable  for all credit ob-
tained  under  your Account.  If you authorize
another  person  to  use  your  Card,  you  are  li-
able  for  any  credit  obtained  on  your  Account
for as long as that person holds the Card. In

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