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         EMBLEM EMBLEM EMBLEM  MASTERCARD  MASTERCARD  MASTERCARD      SUMMARY OF TERMS SUMMARY OF TERMS SUMMARY OF TERMS 
                                                                       Interest Rates and Interest Charges Interest Rates and Interest Charges Interest Rates and Interest Charges 
          CREDIT CARD PROGRAM  CREDIT CARD PROGRAM CREDIT CARD PROGRAM                                    Fees Fees Fees 
                                    BANK CREDIT CARD AGREEMENT BANK CREDIT CARD AGREEMENT  BANK CREDIT CARD AGREEMENT Annual Annual Annual  Annual Fee** Annual Fee** Annual Fee**  None (Initial 1 year from original card  None (Initial 1 year from original card   None (Initial 1 year from original card 
                                                                               19.99% 19.99% 19.99%
                                    (NY Residents:  RETAIL INSTALMENT CREDIT (NY Residents:  RETAIL INSTALMENT CREDIT  (NY Residents:  RETAIL INSTALMENT CREDIT Percentage Percentage Percentage  issuance date) issuance date) issuance date) 
                                    AGREEMENT) AGREEMENT)  AGREEMENT)  Rate (APR)  Rate (APR)  Rate (APR)           $45 (After 1 year from original card  $45 (After 1 year from original card  $45 (After 1 year from original card 
                                    Nonnegotiable Consumer Note  Nonnegotiable Consumer Note   Nonnegotiable Consumer Note  for for for  issuance date) issuance date) issuance date)
                                                                       Purchases  Purchases  Purchases    Transaction  Transaction  Transaction 
                                    This Bank Credit Card Agreement (�Agreement�) controls the use  This Bank Credit Card Agreement (�Agreement�) controls the use  This Bank Credit Card Agreement (�Agreement�) controls the use 
                                              � � �  � � �
         IMPORTANT INFORMATION:  IMPORTANT INFORMATION: IMPORTANT INFORMATION: of of your EMBLEM of your EMBLEM your EMBLEM  MasterCard  MasterCard  MasterCard  bank credit card account bank credit card bank credit card account account APR for APR for APR for  21.99% 21.99% 21.99%  Fees Fees Fees 
                                    (�Account�). (�Account�).  Read it and keep it for your reference.  Except as  (�Account�). Read Read it and keep it and keep it for it for your reference. your reference.  Except  Except as as  Cash Cash Cash  ? ? ? Balance Balance Balance None None None 
                                    otherwise provided in this Agreement otherwise provided in this Agreement and subject to applicable  otherwise provided in this Agreement and subject to applicable  and subject to applicable  Advances  Advances  Advances  Transfer Transfer Transfer
                                    law, law, this Agreement may be changed at any time beginning  law, this Agreement this Agreement may may be changed at any time beginning be changed at any time beginning 
  ? ? ? CONSUMER IDENTIFICATION PROGRAM  CONSUMER IDENTIFICATION PROGRAM CONSUMER IDENTIFICATION PROGRAM and  and  and  ? ? ? Cash Cash Cash
                                    twelve (12) months after Account opening in accordance with the  twelve (12) months after Account opening in accordance with the  twelve (12) months after Account opening in accordance with the  Up to 5% of the amount of each cash  Up to 5% of the amount of each cash  Up to 5% of the amount of each cash 
    NOTICE (Important Information About Procedures for  NOTICE (Important Information About Procedures for NOTICE (Important Information About Procedures for Change of Terms Change of Terms paragraph in the OUR RIGHTS AND HOW  Change of Terms paragraph in the OUR RIGHTS AND HOW paragraph in the OUR RIGHTS AND HOW Balance  Balance  Balance  Advance Advance Advance
                                                                                                                    advance (maximum fee; $50);  advance (maximum fee; $50);  advance (maximum fee; $50); 
    Opening a New Account)  Opening a New Account) Opening a New Account) THEY AFFECT YOU section of this Agreement.  This Agreement THEY AFFECT YOU section of this Agreement.  This Agreement  THEY AFFECT YOU section of this Agreement.  This Agreement  Transfers Transfers Transfers  ? ? ? Foreign Foreign Foreign
                                    also also includes an Agreement to Arbitrate with a right to reject  also includes includes an Agreement an Agreement to Arbitrate to Arbitrate with a right to reject with a right to reject 1% of each foreign transaction in U.S. 1% of each foreign transaction in U.S. 1% of each foreign transaction in U.S. 
                                    arbitration. arbitration.  See �ARBITRATION PROVISION (AGREEMENT TO  arbitration. See �ARBITRATION PROVISION (AGREEMENT TO See �ARBITRATION PROVISION (AGREEMENT TO  Penalty Penalty Penalty  24.99% 24.99% 24.99%  Transaction Transaction Transaction
                                                                                                                    dollars dollars dollars 
  ? ? ? BANK CREDIT CARD AGREEMENT  BANK CREDIT CARD AGREEMENT BANK CREDIT CARD AGREEMENT ARBITRATE ARBITRATE CLAIMS)� below.  In this Agreement, the words  ARBITRATE CLAIMS)� below.  In this Agreement, the words CLAIMS)� below.  In this Agreement, the words APR and  APR and  APR and 
                                    �you,� �your,� �you,� �your,� and �Cardholder� refer to all persons who were  �you,� �your,� and �Cardholder� and �Cardholder� refer refer to all persons who were  to all persons who were  This APR may be applied to your account if you This APR may be applied to your account if you This APR may be applied to your account if you  Penalty Fees Penalty Fees Penalty Fees 
                                                                       When it When it When it 
    ? ? ? SUMMARY OF TERMS SUMMARY OF TERMS SUMMARY OF TERMS expressly expressly approved by us to use the Account.  The words �we,�  expressly approved by us to use the Account.  The approved by us to use the Account.  The words �we,� words �we,�  do not pay the required minimum payment by do not pay the required minimum payment by do not pay the required minimum payment by 
                                                                       Applies Applies Applies            ? ? ? Late Late Late Up to $25 (varies by state; see below) Up to $25 (varies by state; see below) Up to $25 (varies by state; see below) 
    ? ? ? AGREEMENT TO ARBITRATE CLAIMS AGREEMENT TO ARBITRATE CLAIMS AGREEMENT TO ARBITRATE CLAIMS �us,� and �our� refer to Mid America Bank �us,� and �our� refer to Mid America Bank & Trust Company  �us,� and �our� refer to Mid America Bank & & Trust Company Trust Company  its due date for two consecutive billing cycles. its due date for two consecutive billing cycles. its due date for two consecutive billing cycles. 
                                                                                                            Payments Payments Payments
                                    located in Dixon, located in Dixon, MO, our successors and assigns.  The words  located in Dixon, MO, MO, our successors our successors and assigns.  The and assigns.  The words words
       (Including the Right to Reject Arbitration at (Including the Right to Reject Arbitration at (Including the Right to Reject Arbitration at
                                    �Card� or �Cards� refer �Card� or �Cards� refer to the credit card that we issue to you.  �Card� or �Cards� refer to the credit to the credit card that we issue to you. card that we issue to you. How long will the Penalty APR apply? How long will the Penalty APR apply? How long will the Penalty APR apply?  If  If If ? ? ? Returned Returned Returned Up to $25 (varies by state; see below) Up to $25 (varies by state; see below) Up to $25 (varies by state; see below) 
       Account Opening) Account Opening) Account Opening) The The word �Account� means an individual or joint credit card  The word �Account� word �Account� means means an individual an individual or or joint credit card joint credit card
                                                                               your APRs are increased for the reason stated your APRs are increased for the reason stated your APRs are increased for the reason stated  Payment Payment Payment
    ? ? ? STATE NOTICES STATE NOTICES STATE NOTICES account.  The use of account.  The use of your Account number to obtain credit will be  account.  The use of your Account number to obtain credit will be  your Account number to obtain credit will be 
                                                                               above, the Penalty APR will apply until you above, the Penalty APR will apply until you above, the Penalty APR will apply until you 
                                    considered a use considered a use of the Card.  The following items are now  considered a use of the Card.  The following items of the Card.  The following items are now are now Billing Rights: Billing Rights: Billing Rights:  Information on your rights to dispute transactions  Information on your rights to dispute transactions Information on your rights to dispute transactions
    ? ? ? BILLING RIGHTS NOTICE BILLING RIGHTS NOTICE BILLING RIGHTS NOTICE
                                    incorporated into this incorporated into this Agreement and made a part of this  incorporated into this Agreement and made a part of Agreement and made a part of this this make six consecutive minimum payments make six consecutive minimum payments make six consecutive minimum payments  and how and how and how to exercise those rights is provided at the end of this  to to exercise those rights is provided at the exercise those rights is provided at the end of this end of this
                                    Agreement: Agreement:    Agreement:                                  document. document. document. 
                                                                               when due. when due. when due. 
                                    (1) Any application, acceptance certificate or (1) Any application, acceptance certificate or other written (1) Any application, acceptance certificate or other other written written How We Will Calculate Your Balance: How We Will Calculate Your Balance: How We Will Calculate Your Balance:  W e use a method called  W e use a method called W e use a method called
                                    document document (including an electronic record) that you originally document (including an electronic (including an electronic record) record) that you originally that you originally How to  How to  How to  Your due date is at least 25 days after the Your due date is at least 25 days after the Your due date is at least 25 days after the  �average �average �average daily balance (including new purchases).� See Details  daily balance daily balance (including new (including new purchases).� See Details purchases).� See Details
                                    signed or signed or submitted in any way for this Account (your signed or submitted in any way submitted in any way for for this Account this Account (your (your Avoid  Avoid  Avoid  close of each billing cycle. We will not charge  close of each billing cycle. We will not charge  close of each billing cycle. We will not charge  below. below. below. 
                                    �Application�); �Application�); �Application�);                           Periodic Rates with Corresponding APRs Periodic Rates with Corresponding APRs Periodic Rates with Corresponding APRs 
                                                                       Paying  Paying  Paying  you any interest on purchases if you pay your you any interest on purchases if you pay your you any interest on purchases if you pay your 
                                    (2) The Card and card carrier that we send with your Card; and (2) The Card and card carrier that we send with your Card; and (2) The Card and card carrier that we send with your Card; and
                                                                       Interest Interest Interest  entire balance by the due date each month. entire balance by the due date each month. entire balance by the due date each month.  Purchase  Purchase  Purchase  Cash Advance  Cash Advance  Cash Advance  Penalty Penalty Penalty 
                                    (3) Your signature (including any (3) Your signature (including any electronic or digital signature) (3) Your signature (including any electronic or electronic or digital signature) digital signature)
                                    on any Application, on any Application, sales slip or other evidence of indebtedness on any Application, sales sales slip or slip or other other evidence of evidence of indebtedness indebtedness There is no time period within which to avoid  There is no time period within which to avoid  There is no time period within which to avoid  Periodic Rate Periodic Rate Periodic Rate  Periodic Rate Periodic Rate Periodic Rate  Periodic Rate Periodic Rate Periodic Rate 
                                    on your Account. on your Account. on your Account. finance charges on Cash Advances finance charges on Cash Advances finance charges on Cash Advances 
                                                                                                         1.6658% 1.6658% 1.6658%  1.8325% 1.8325% 1.8325%  2.0825% 2.0825% 2.0825% 
  CUSTOMER IDENTIFICATION  CUSTOMER IDENTIFICATION  CUSTOMER IDENTIFICATION  Minimum Minimum Minimum  If you are charged interest, the charge will not If you are charged interest, the charge will not If you are charged interest, the charge will not 
                                                                                                         (corresponding  (corresponding  (corresponding  (corresponding APR (corresponding APR (corresponding APR  (corresponding APR (corresponding APR (corresponding APR 
  PROGRAM  PROGRAM PROGRAM                                             Interest Interest Interest  be less than $2.50. be less than $2.50. be less than $2.50. 
                                                                                                         APR of 19.99%) APR of 19.99%) APR of 19.99%)   of 21.99%) of 21.99%) of 21.99%)  of 24.99%) of 24.99%) of 24.99%) 
  IMPORTANT INFORMATION ABOUT PROCEDURES FOR  IMPORTANT INFORMATION IMPORTANT INFORMATION ABOUT ABOUT PROCEDURES FOR  PROCEDURES FOR Charge Charge Charge 
  OPENING A NEW ACCOUNT  OPENING A NEW ACCOUNT OPENING A NEW ACCOUNT                                     Penalty Rate: Penalty Rate: Penalty Rate:  If we do not receive your required minimum  If If we do not we do not receive your receive your required minimum required minimum
                                                                       For Credit For Credit For Credit  To learn more about factors to consider  To learn more about factors to consider  To learn more about factors to consider 
  To help the government fight the funding of terrorism and money  To help To help the government the government fight the funding of terrorism and money  fight the funding of terrorism and money payment within 60 days of its due date, your payment within 60 days of its due date, your payment within 60 days of its due date, your Purchase and Cash  Purchase and Cash Purchase and Cash
  laundering activities, Federal law requires all financial institutions  laundering activities, Federal law requires laundering activities, Federal law requires all financial institutions  all financial institutions Card Tips Card Tips Card Tips  when applying for or using a credit card,  when applying for or using a credit card,  when applying for or using a credit card,  Advance rates Advance rates Advance rates may increase to the Penalty Rate.  The Penalty  may may increase to the Penalty Rate.  The Penalty increase to the Penalty Rate.  The Penalty
  to obtain, verify, and record information that identifies each  to to obtain, obtain, verify, verify, and record information that identifies and record information that identifies each  each from the from the from the  visit the website of the Consumer Financial  visit the website of the Consumer Financial  visit the website of the Consumer Financial  APR APR APR will cease to apply if we receive six consecutive minimum  will cease to apply if will cease to apply if we receive six consecutive minimum we receive six consecutive minimum
  person who opens an account.  W hat this means for you:  W hen  person who opens an account. person who opens an account. W hat W hat this means for this means for you: you: W hen  W hen monthly monthly monthly payments on or before their respective payment due  payments payments on or before their respective on or before their respective payment due  payment due 
                                                                       Consumer Consumer Consumer  Protection Bureau at  Protection Bureau at  Protection Bureau at 
  you open an account, we will ask for your name, street address,  you open an account, we will ask you open an account, we will ask for your name, for your name, street address,  street address, dates beginning dates beginning dates beginning with the first payment due date following the  with the first with the first payment due payment due date following the date following the
                                                                       Financial  Financial  Financial  http://www.consumerfinance.gov/learnmore/  http://www.consumerfinance.gov/learnmore/  http://www.consumerfinance.gov/learnmore/ 
  mailing address, date of birth, and other information that will allow  mailing address, date of birth, and other information that will allow mailing address, date of birth, and other information that will allow effective date of the increase. effective date of the increase. effective date of the increase. 
  us to identify you.  W e may also ask to see your driver�s license  us to identify us to identify you. you. W e may W e may also also ask to see your driver�s license  ask to see your driver�s license  Protection  Protection  Protection  Effective Effective Effective Date of This Agreement:  This Agreement begins on  Date of This Date of This Agreement:  Agreement:  This Agreement begins This Agreement begins on on
  or other identifying documents.  or other identifying documents. or other identifying documents. Bureau Bureau Bureau  the earlier of (i) the date that your request for a Card and Account the earlier of (i) the date that your request for a Card and Account the earlier of (i) the date that your request for a Card and Account 
                                                                                                         is approved by us or (ii) the first date that we extend credit to you is approved by us or (ii) the first date that we extend credit to you is approved by us or (ii) the first date that we extend credit to you 
                                                                                                         on your Account, as evidenced by a signed sales on your Account, as evidenced by a signed sales on your Account, as evidenced by a signed sales slip or  slip or slip or
                                                                                                         memorandum, a cash advance or balance transfer transaction, or memorandum, a cash advance or balance transfer transaction, or memorandum, a cash advance or balance transfer transaction, or 
                                                                                                         otherwise (in NY, the first date otherwise (in NY, the first date otherwise (in NY, the first date that you sign a sales slip or  that that you sign a sales slip or you sign a sales slip or
                                                                                                         memorandum). memorandum). memorandum). 
                                                                                                         Signature; Signature; Signature; Acceptance of This Agreement:  You agree that  Acceptance of This Acceptance of This Agreement: Agreement: You agree that You agree that
                                                                                                         any action taken by you any action taken by you any action taken by you in activating your Card, making a  in activating your in activating your Card, making a  Card, making a 
                           M-XXXXXX
  payment on your Account or initiating any transaction on your  payment on your Account or initiating any transaction on your amount or (b) any amount by which your New Balance exceeds  amount or (b) any amount by which your New Balance exceeds the applicable Monthly the applicable Monthly Periodic Rate from the date of each  Periodic Rate from the date of each without losing any without losing any of our rights under this Agreement. of our rights under this Agreement. All All 
  Account will constitute your signature on this Agreement.    Account will constitute your signature on this Agreement. your Credit Limit.  your Credit Limit. transaction and will transaction and will continue to accrue on unpaid balances as  continue to accrue on unpaid balances as notices notices and written communications concerning postdated  and written communications concerning postdated
  Your Credit Limit:  You agree not to use your Account in any  Your Credit Limit: You agree not to use your Account in any If your New Balance is less than your Minimum Payment, your  If your New Balance is less than your Minimum Payment, your long as they remain unpaid.  There is no time period within which long as they remain unpaid.  There is no time period within which  checks, restricted endorsement checks (including any check checks, restricted endorsement checks (including any check 
  way that would cause you to go over the maximum amount of  way that would cause you to go over the maximum amount of New Balance is due in full.    New Balance is due in full. to pay to avoid periodic Interest charges to pay to avoid periodic Interest charges on Cash Advances. The  on Cash Advances. The  or other payment instrument that indicates that the payment or other payment instrument that indicates that the payment 
  credit available to you at the moment you initiate a transaction on  credit available to you at the moment you initiate a transaction on You may pay any or all of the amounts you owe at any time  You may pay any or all of the amounts you owe at any time  minimum FINANCE CHARGE minimum FINANCE CHARGE you will be required to pay in any  you will be required to pay in any constitutes �payment constitutes �payment in full� of the amount owed or that is  in full� of the amount owed or that is
  your Account (your �Credit Limit�).  W e may refuse to authorize or  your Account (your �Credit Limit�). W e may refuse to authorize or without penalty.  You must pay at least the Minimum Payment  without penalty. You must pay at least the Minimum Payment billing cycle that has Finance Charge due is $2.50. billing cycle that has Finance Charge due is $2.50.  tendered with other conditions or limitations or tendered with other conditions or limitations or as full  as full
  accept any transaction on your Account that would cause you to  accept any transaction on your Account that would cause you to  within 25 days of  the Closing Date of the Billing Cycle (shown as  within 25 days of  the Closing Date of the Billing Cycle (shown as ACCOUNT FEES:  The fees and charges that may be applied to  ACCOUNT FEES:  The fees and charges that may be applied to  satisfaction of satisfaction of a disputed amount) or any other disputed,  a disputed amount) or any other disputed,
  exceed your Credit Limit.  W e may temporarily agree to allow you  exceed your Credit Limit. W e may temporarily agree to allow you the �Payment Due Date� on your statement). the �Payment Due Date� on your statement). your Account are set forth in the Summary of Terms above. your Account are set forth in the Summary of Terms above.  nonconforming or qualified payments, must be nonconforming or qualified payments, must be mailed or  mailed or
  to exceed your Credit Limit; however, in that case you must repay  to exceed your Credit Limit; however, in that case you must repay Application of Payments:  W e will apply payments to your  Application of Payments: W e will apply payments to your  Late Payment Fee: Late Payment Fee:  If you do not make your Minimum Payment  If you do not make your Minimum Payment delivered to Emblem Cardholder Services, PO BOX 89210 Sioux delivered to Emblem Cardholder Services, PO BOX 89210 Sioux 
  the excess amount immediately.  the excess amount immediately. Account in accordance with applicable law. If you make a  Account in accordance with applicable law. If you make a  on or before the Payment on or before the Payment Due Date, we will apply a Late  Due Date, we will apply a Late  Falls, SD 57109. Falls, SD 57109. 
  W e reserve the right to change (to set, increase, decrease or  W e reserve the right to change (to set, increase, decrease or payment in excess of the required minimum payment, we must  payment in excess of the required minimum payment, we must Payment Charge of up to $25 ($15 in IA) if payment is more than Payment Charge of up to $25 ($15 in IA) if payment is more than  Credit Reports and Information: Credit Reports and Information:  You authorize us to make any  You authorize us to make any
  remove) the Credit Limit for your Account and/or for specific types  remove) the Credit Limit for your Account and/or for specific types apply the excess amount first to your balance with the highest  apply the excess amount first to your balance with the highest 5 days late. 5 days late.   credit, employment, or other investigative inquiries we deem credit, employment, or other investigative inquiries we deem 
  of Account balances from time to time.  Such changes may occur  of Account balances from time to time.  Such changes may occur annual percentage rate.    annual percentage rate. Returned Check Fee: Returned Check Fee:  If any check or money order in payment  If any check or money order in payment appropriate to extend you credit appropriate to extend you credit or to renew, review or collect  or to renew, review or collect
  without prior written notice to you and may be based upon factors  without prior written notice to you and may be based upon factors Payments are posted to your Account upon receipt; however, we  Payments are posted to your Account upon receipt; however, we of of your account is returned to us unpaid for any reason, we will  your account is returned to us unpaid for any reason, we will amounts owed to us amounts owed to us on your Account.  W e also may obtain  on your Account. W e also may obtain
  including, but not limited to, anti-fraud policies and procedures,  including, but not limited to, anti-fraud policies and procedures, reserve the right not to increase your available credit by the  reserve the right not to increase your available credit by the  apply apply a returned check fee of up to $25 ($15 in IA) to your  a returned check fee of up to $25 ($15 in IA) to your follow-up credit reports follow-up credit reports on you for any lawful purpose as long as  on you for any lawful purpose as long as
  your record of making timely payments and staying within the  your record of making timely payments and staying within the  amount of any payment received for a period of four (4) business amount of any payment received for a period of four (4) business Account. Account.  you have an outstanding balance. you have an outstanding balance. 
  established Credit Limit on your account with us, your credit score  established Credit Limit on your account with us, your credit score  days from the date of receipt to provide for processing and/or  days from the date of receipt to provide for processing and/or  Annual Fee: Your account may be assessed an annual fee of Annual Fee: Your account may be assessed an annual fee of  Information Sharing: Information Sharing:  You acknowledge and agree that we may  You acknowledge and agree that we may
  and information contained in your credit report.    and information contained in your credit report. verification.  To speed this payment process, we make a  verification.  To speed this payment process, we make a  $45 starting 12 months after original card issuance date. $45 starting 12 months after original card issuance date.  share information about you with others share information about you with others in accordance with our  in accordance with our
  Your Credit Limit can be found on your latest periodic statement  Your Credit Limit can be found on your latest periodic statement convenient expedited pay-by-phone service available to our  convenient expedited pay-by-phone service available to our  Foreign Transaction Fee: Foreign Transaction Fee:  W e will impose a fee of one percent  W e will impose a fee of one percent Privacy Policy in effect from time to time.  We will provide a copy Privacy Policy in effect from time to time.  We will provide a copy 
  or provided upon request.  You may not request an increase in  or provided upon request. You may not request an increase in customers.  A small fee may be charged when you use this  customers. A small fee may be charged when you use this  (1%) (1%) on each (original and reversed) international purchase,  on each (original and reversed) international purchase, of our current Privacy Policy to you from time to time. of our current Privacy Policy to you from time to time. 
  your Credit Limit, but you may at any time request a decrease in  your Credit Limit, but you may at any time request a decrease in  optional payment method.  optional payment method. credit credit voucher, and cash disbursement transaction (including  voucher, and cash disbursement transaction (including Notice of Inaccurate Information: Notice of Inaccurate Information: If you believe that we have  If you believe that we have 
  your Credit Limit.    your Credit Limit. HOW FINANCE CHARGES ARE DETERMINED  HOW FINANCE CHARGES ARE DETERMINED international transactions made international transactions made in U.S. dollars).  This fee is a  in U.S. dollars).  This fee is a  information about you that is inaccurate or that we have reported information about you that is inaccurate or that we have reported 
  Using Your Card or Account:  You can use your Card to  Using Your Card or Account: You can use your Card to  Your finance charge will include the following, as applicable:  (i) a Your finance charge will include the following, as applicable:  (i) a pass-through of a fee imposed by the card association. pass-through of a fee imposed by the card association.  or may or may report to a credit reporting agency information about you  report to a credit reporting agency information about you
  purchase or lease goods or services (including mail, telephone  purchase or lease goods or services (including mail, telephone per transaction finance charge per transaction finance charge (Cash Advance Fee) as shown in  (Cash Advance Fee) as shown in OUR RIGHTS AND HOW THEY OUR RIGHTS AND HOW THEY AFFECT YOU  AFFECT YOU that is that is inaccurate, please notify us of the specific information that  inaccurate, please notify us of the specific information that
  and electronic orders) from participating establishments  and electronic orders) from participating establishments the Summary of Terms above for each Cash Advance posted  the Summary of Terms above for each Cash Advance posted  Telephone Monitoring and Recording: Telephone Monitoring and Recording:  From time to time, we  From time to time, we  you believe is you believe is inaccurate by writing to us at Emblem Cardholder  inaccurate by writing to us at Emblem Cardholder
  (�Purchase�).  You also can use your Card to obtain a cash loan  (�Purchase�). You also can use your Card to obtain a cash loan during a Billing Cycle and (ii) your periodic Interest charge.  W e  during a Billing Cycle and (ii) your periodic Interest charge.  W e  may may monitor and/or record telephone calls regarding your  monitor and/or record telephone calls regarding your Services, PO BOX 89210 Sioux Falls, SD 57109. Services, PO BOX 89210 Sioux Falls, SD 57109. 
  (�Cash Advance�) by presenting your Card to any institution that  (�Cash Advance�) by presenting your Card to any institution that compute periodic Interest charges applying the applicable  compute periodic Interest charges applying the applicable  Account with us Account with us to assure the quality of our service, and you  to assure the quality of our service, and you Collection and Default: Collection and Default:  Unless prohibited by applicable law,  Unless prohibited by applicable law,
  accepts the Card for that purpose or by making a withdrawal of  accepts the Card for that purpose or by making a withdrawal of Monthly Periodic Rate to (a) your Average Daily Balance of Cash  Monthly Periodic Rate to (a) your Average Daily Balance of Cash agree to any such monitoring or recording. agree to any such monitoring or recording.  your Account is considered to be in default if: your Account is considered to be in default if:  
  cash at an ATM.  Transactions made with your Account for things  cash at an ATM.  Transactions made with your Account for things Advances, (b) your Average Daily Balance of Purchases and  Advances, (b) your Average Daily Balance of Purchases and  Communicating With You; Consent Communicating With You; Consent to Contact by Electronic  to Contact by Electronic (1) You (1) You do not make at least the Minimum Payment on or before do not make at least the Minimum Payment on or before
  like money orders, deposits, wire transfer money orders, travelers  like money orders, deposits, wire transfer money orders, travelers (c) the respective average daily balances for any other types of (c) the respective average daily balances for any other types of and and Other Means: Other Means: You agree that we or our You agree that we or our servicers, agents,  servicers, agents, the Payment Due Date; the Payment Due Date;
  cheques, foreign currency and other similar transactions, will be  cheques, foreign currency and other similar transactions, will be  balances that are subject to different APRs. balances that are subject to different APRs. contractors, successors, or assigns may contact you as provided contractors, successors, or assigns may contact you as provided  (2) You try to exceed, or do exceed, your Credit Limit; (2) You try to exceed, or do exceed, your Credit Limit;
  treated as Cash Advances.  They are sometimes called �quasi- treated as Cash Advances.  They are sometimes called �quasi- Calculating the Balance Subject to Interest:  W e calculate the Calculating the Balance Subject to Interest: W e calculate the in this paragraph.  W e in this paragraph.  W e may contact you for any lawful reason,  may contact you for any lawful reason, (3) You file bankruptcy or insolvency proceedings; (3) You file bankruptcy or insolvency proceedings;
  cash� transactions.   cash� transactions. balance subject to Interest using the �Average Daily Balance balance subject to Interest using the �Average Daily Balance including for the collection of amounts owed to us and for including for the collection of amounts owed to us and for the  the  (4) You become subject to (4) You become subject to attachment or garnishment attachment or garnishment
  You may use the Account only for personal, family, or household  You may use the Account only for personal, family, or household (including new transactions)� method (�ADB�).  W e calculate the (including new transactions)� method (�ADB�).  W e calculate the offering of products or services offering of products or services in compliance with our Privacy  in compliance with our Privacy proceedings; proceedings;
  purposes.  You may not use your Card or your Account for any  purposes. You may not use your Card or your Account for any ADB separately for each type of balance.  To get each ADB, we ADB separately for each type of balance.  To get each ADB, we Policy in effect from time to time.  No such contact will be deemed Policy in effect from time to time.  No such contact will be deemed  (5) You give us any false information or signature; (5) You give us any false information or signature;
  illegal transaction or any gambling transaction.  W e will decline  illegal transaction or any gambling transaction. W e will decline  take the beginning balance of your Account each day for each take the beginning balance of your Account each day for each unsolicited. unsolicited.  W e may contact you at any address or telephone  W e may contact you at any address or telephone (6) You die; (6) You die; or or
  identifiable gambling transactions.    identifiable gambling transactions. type of balance, including accrued but unpaid Interest charges type of balance, including accrued but unpaid Interest charges number (including wireless cellular telephone number (including wireless cellular telephone or ported landline  or ported landline (7) You fail to comply with any portion of this Agreement. (7) You fail to comply with any portion of this Agreement.
  W e may refuse to authorize or accept any transaction on your  W e may refuse to authorize or accept any transaction on your attributable to such balance, add any new transactions as of the attributable to such balance, add any new transactions as of the telephone number) telephone number) that you may provide to us from time to time.  that you may provide to us from time to time. Subject to any Subject to any notice of default and right to cure or other notice of default and right to cure or other
  Account if your Account is delinquent.   Account if your Account is delinquent. date of transaction, including any applicable Cash Advance Fees date of transaction, including any applicable Cash Advance Fees W e may use any W e may use any means of communication, including, but not  means of communication, including, but not restriction of applicable law, if you are in default, we may declare restriction of applicable law, if you are in default, we may declare
  Promise to Pay:  You promise to pay us for all transactions, plus  Promise to Pay:  You promise to pay us for all transactions, plus as of the date each Cash Advance posts with us, and subtract the as of the date each Cash Advance posts with us, and subtract the limited to, postal mail, limited to, postal mail, electronic mail, telephone or other  electronic mail, telephone or other the entire balance due immediately. the entire balance due immediately.
  Interest, fees and other charges due, on your Account.  You  Interest, fees and other charges due, on your Account.  You applicable portion of any payments and credits as of the date applicable portion of any payments and credits as of the date technology, to reach you. technology, to reach you.  You agree that we may use automatic  You agree that we may use automatic Change of Terms: Change of Terms:  Your Account is a continuing offer to  Your Account is a continuing offer to
  promise to make all payments in U.S. dollars and that all checks  promise to make all payments in U.S. dollars and that all checks those post with us.  This gives us the daily balance for each type those post with us.  This gives us the daily balance for each type dialing and announcing devices which dialing and announcing devices which may play recorded  may play recorded extend further extend further credit to you that we may end at any time. credit to you that we may end at any time.
  or other items submitted in payment will be drawn on U.S.  or other items submitted in payment will be drawn on U.S. of balance.  Then we add together the daily balances for the of balance.  Then we add together the daily balances for the messages.  W e may messages.  W e may also send text messages to your telephone.   also send text messages to your telephone. Except as otherwise provided in this Except as otherwise provided in this Agreement and subject Agreement and subject
  financial institutions.   financial institutions. Billing Cycle for each type of balance and divide the total by the Billing Cycle for each type of balance and divide the total by the You may You may contact us at any time to ask that we not contact you  contact us at any time to ask that we not contact you to applicable law, we may, at any time beginning twelve (12) to applicable law, we may, at any time beginning twelve (12)
  Monthly Statements:  W e will send you a statement under the  Monthly Statements: W e will send you a statement under the  number of days in the Billing Cycle.  This gives us the ADB for number of days in the Billing Cycle.  This gives us the ADB for using any one or more methods or technologies. using any one or more methods or technologies.  months months after Account opening, add, change or remove any after Account opening, add, change or remove any
  following circumstances:  following circumstances: each type of balance. each type of balance. Refunds: Refunds:  If a seller agrees to give a refund, you agree to accept  If a seller agrees to give a refund, you agree to accept of the terms of the terms and conditions of this Agreement. A change and conditions of this Agreement. A change
  (1) (1) At the end of each monthly period of approximately 30 days At the end of each monthly period of approximately 30 days Annual Percentage Rate (APR) and Monthly Periodic Rate: Annual Percentage Rate (APR) and Monthly Periodic Rate: a credit on your Account instead of a cash refund. a credit on your Account instead of a cash refund.  may be based upon factors including, but not limited to, anti- may be based upon factors including, but not limited to, anti-
  (�Billing Cycle�) if there is a debit or (�Billing Cycle�) if there is a debit or credit balance on your credit balance on your The applicable Monthly Periodic Rate is equal to 1/12 of the The applicable Monthly Periodic Rate is equal to 1/12 of the Postdated Checks, Restricted Endorsement Checks and Postdated Checks, Restricted Endorsement Checks and  fraud policies and procedures, your record of making timely fraud policies and procedures, your record of making timely
  Account of $1 or more; Account of $1 or more; corresponding APR.  The Monthly Periodic Rate (and corresponding APR.  The Monthly Periodic Rate (and Other Disputed or Qualified Payments: Other Disputed or Qualified Payments:  W e can accept late,  W e can accept late, payments and staying within your established Credit Limit, payments and staying within your established Credit Limit,
  (2) (2) If we assessed a Finance Charge on a balance in your If we assessed a Finance Charge on a balance in your corresponding APR) for each type of balance is shown above. corresponding APR) for each type of balance is shown above. postdated or postdated or partial payments without losing any of our rights  partial payments without losing any of our rights your credit score and information contained in your credit your credit score and information contained in your credit
  Account; or Account; or            When Interest Charges Begin to Accrue:  Subject to any grace When Interest Charges Begin to Accrue: Subject to any grace under this Agreement.  (A postdated check is under this Agreement.  (A postdated check is a check dated later  a check dated later report. report.
  (3) As otherwise required by applicable law. (3) As otherwise required by applicable law. period, periodic Interest charges on Purchases will be imposed at period, periodic Interest charges on Purchases will be imposed at than the day it was than the day it was actually presented for payment.)  W e are  actually presented for payment.) W e are  W e W e will mail written notice of a change to you when and in the will mail written notice of a change to you when and in the
  Minimum Payment:  The minimum required payment on your Minimum Payment: The minimum required payment on your the applicable Monthly Periodic Rate from the date each the applicable Monthly Periodic Rate from the date each under no obligation to hold a post dated check and we reserve under no obligation to hold a post dated check and we reserve  manner required by applicable law. manner required by applicable law. Subject to the limitations of Subject to the limitations of
  Account for each Billing Cycle (�Minimum Payment�) is the sum of Account for each Billing Cycle (�Minimum Payment�) is the sum of Purchase is made and will continue to accrue on unpaid balances Purchase is made and will continue to accrue on unpaid balances the right to process every item the right to process every item presented as if dated the same  presented as if dated the same  applicable applicable law, as of the stated effective date, the changed or law, as of the stated effective date, the changed or
  (i) the greater of (a) one percent (1%) of your total outstanding (i) the greater of (a) one percent (1%) of your total outstanding as long as they remain unpaid.  You will have a 25-day grace as long as they remain unpaid. You will have a 25-day grace date received by us date received by us or our check processor unless you give us  or our check processor unless you give us new terms new terms will apply to new Purchases, Cash Advances and will apply to new Purchases, Cash Advances and
  Account balance on the Billing Cycle Closing Date (your �New Account balance on the Billing Cycle Closing Date (your �New period to repay your new balance before an Interest charge on period to repay your new balance before an Interest charge on adequate notice and a reasonable opportunity to act on it. adequate notice and a reasonable opportunity to act on it.  Except  Except other transactions. other transactions.
  Balance�) or (b) $15; plus (ii) any current billed periodic Interest Balance�) or (b) $15; plus (ii) any current billed periodic Interest Purchases will be imposed if your Previous Balance is (i) zero, Purchases will be imposed if your Previous Balance is (i) zero, where such notice and opportunity is where such notice and opportunity is given, you may not hold us  given, you may not hold us Delay in Enforcement: Delay in Enforcement:  W e can delay enforcing our rights under W e can delay enforcing our rights under
  charges; plus (iii) any Late Payment Fee billed to your Account in charges; plus (iii) any Late Payment Fee billed to your Account in (ii) a credit balance, or (iii) paid in full by the �Payment Due Date� (ii) a credit balance, or (iii) paid in full by the �Payment Due Date� liable for depositing any postdated check. liable for depositing any postdated check.  You agree not to send  You agree not to send this Agreement without losing them. this Agreement without losing them.
  the current Billing Cycle; plus (iv) the greater of (a) any past due the current Billing Cycle; plus (iv) the greater of (a) any past due shown on your monthly billing statement.  Interest on Cash shown on your monthly billing statement. Interest on Cash us partial payments us partial payments marked �paid in full,� �without recourse,� or  marked �paid in full,� �without recourse,� or OTHER PROVISIONS OTHER PROVISIONS
                                     Advances (in addition to Cash Advance Fees) will be imposed at Advances (in addition to Cash Advance Fees) will be imposed at similar language. similar language.  If you send such a payment, we may accept it  If you send such a payment, we may accept it
  Transfer and Termination of Your Account:  You may not  Transfer and Termination of Your Account:  You may not  No Waiver By Us:  W e reserve the right, at any time and in our  No Waiver By Us:  W e reserve the right, at any time and in our  transferred or appealed to a different court, either party may elect  transferred or appealed to a different court, either party may elect  778-7879.  If either party fails to submit to arbitration following a 778-7879.  If either party fails to submit to arbitration following a
  transfer your Account to any other person.  W e may assign your  transfer your Account to any other person.  W e may assign your  sole discretion, not to impose part or all of any fee or other  sole discretion, not to impose part or all of any fee or other  arbitration.  arbitration.  proper demand to do so, that party will bear the costs and proper demand to do so, that party will bear the costs and
  Account to any other person at any time.  W e may terminate your  Account to any other person at any time.  W e may terminate your  amount imposed pursuant to this Agreement or not to exercise  amount imposed pursuant to this Agreement or not to exercise  SIGNIFICANCE OF ARBITRATION; LIMITATIONS AND  SIGNIFICANCE OF ARBITRATION; LIMITATIONS AND  expenses, including reasonable attorneys� fees, incurred by the expenses, including reasonable attorneys� fees, incurred by the
  Account if you are or become a non-U.S. resident or a resident of  Account if you are or become a non-U.S. resident or a resident of  any of our other rights under this Agreement. any of our other rights under this Agreement. If we exercise the  If we exercise the  RESTRICTIONS. RESTRICTIONS. IF YOU OR WE CHOOSE TO RESOLVE A  IF YOU OR WE CHOOSE TO RESOLVE A  party compelling arbitration.  Any physical arbitration hearing that party compelling arbitration.  Any physical arbitration hearing that
  Illinois, Indiana, Massachusetts, Maine, North Carolina, Rhode  Illinois, Indiana, Massachusetts, Maine, North Carolina, Rhode  foregoing right, we will not waive our right to impose any such fee  foregoing right, we will not waive our right to impose any such fee  CLAIM BY BINDING ARBITRATION, NEITHER YOU NOR WE  CLAIM BY BINDING ARBITRATION, NEITHER YOU NOR WE  you attend will be held in the federal judicial district where you live you attend will be held in the federal judicial district where you live
  Island, W est Virginia or any U.S. territory.  Either you or we may  Island, W est Virginia or any U.S. territory.  Either you or we may  or other amount or our right to exercise the foregoing right or any  or other amount or our right to exercise the foregoing right or any  WILL HAVE THE RIGHT TO (i) HAVE A COURT OR JURY  WILL HAVE THE RIGHT TO (i) HAVE A COURT OR JURY  at the time the Claim is filed.  The party initiating the arbitration at the time the Claim is filed.  The party initiating the arbitration
  terminate or suspend your credit privileges at any time.  Upon our  terminate or suspend your credit privileges at any time.  Upon our  other rights, in the future.   other rights, in the future.   DECIDE THE CLAIM BEING ARBITRATED (ii) ENGAGE IN  DECIDE THE CLAIM BEING ARBITRATED (ii) ENGAGE IN  will pay the filing fee.  You may seek a waiver of the initial filing will pay the filing fee.  You may seek a waiver of the initial filing
  request, you agree to destroy your Card immediately.  request, you agree to destroy your Card immediately.  Entire Agreement; Interpretation:  This Agreement constitutes  Entire Agreement; Interpretation:  This Agreement constitutes  PRE-ARBITRATION DISCOVERY (THAT IS, THE RIGHT TO  PRE-ARBITRATION DISCOVERY (THAT IS, THE RIGHT TO  fee or any other fees incurred in arbitration.  If you seek, but do fee or any other fees incurred in arbitration.  If you seek, but do
  Account Cancellation and Fee Refund:  You may ask that we  Account Cancellation and Fee Refund:  You may ask that we  the final expression of the credit agreement between you and us  the final expression of the credit agreement between you and us  OBTAIN INFORMATION FROM THE OTHER PARTY) TO THE  OBTAIN INFORMATION FROM THE OTHER PARTY) TO THE  not qualify for, a waiver, we will consider any written request by not qualify for, a waiver, we will consider any written request by
  close your Account at any time by notifying us in writing.  Except  close your Account at any time by notifying us in writing.  Except  relating to your Account.  The headings used in this Agreement  relating to your Account.  The headings used in this Agreement  SAME EXTENT THAT YOU OR WE COULD IN COURT,  SAME EXTENT THAT YOU OR WE COULD IN COURT,  you for us to pay or reimburse you for all or part of such fees. you for us to pay or reimburse you for all or part of such fees.
  as provided below, you will remain responsible for all  as provided below, you will remain responsible for all  are for the convenience of reference only and are not intended to  are for the convenience of reference only and are not intended to  (iii) PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF (iii) PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF Each party will pay for its respective attorneys�, experts� and Each party will pay for its respective attorneys�, experts� and
  transactions, periodic Interest charges, and other fees and  transactions, periodic Interest charges, and other fees and  define or describe the entire scope or intent of any portion of this  define or describe the entire scope or intent of any portion of this  ANY CLASS OF CLAIMANTS IN A CLASS ACTION, IN COURT ANY CLASS OF CLAIMANTS IN A CLASS ACTION, IN COURT witness fees, regardless of which party prevails in the arbitration. witness fees, regardless of which party prevails in the arbitration.
  charges, charged to your Account until paid in full.  W e will credit  charges, charged to your Account until paid in full.  W e will credit  Agreement.  Agreement.  OR IN ARBITRATION, RELATING TO ANY CLAIM SUBJECT OR IN ARBITRATION, RELATING TO ANY CLAIM SUBJECT A party may recover any or all expenses from another party if the A party may recover any or all expenses from another party if the
  fees to your Account ONLY IF (i) you close your Account within  fees to your Account ONLY IF (i) you close your Account within  Governing Law: This Agreement is controlled and governed  Governing Law: This Agreement is controlled and governed  TO ARBITRATION OR (iv) JOIN OR CONSOLIDATE CLAIMS TO ARBITRATION OR (iv) JOIN OR CONSOLIDATE CLAIMS arbitrator, applying applicable law, so determines.  Allocation of arbitrator, applying applicable law, so determines.  Allocation of
  30 days of Account opening and (ii) you make no new Purchase  30 days of Account opening and (ii) you make no new Purchase  the laws of the State of Missouri, including Missouri Revised  the laws of the State of Missouri, including Missouri Revised  OTHER THAN YOUR OWN OR OUR OWN. OTHER RIGHTS OTHER THAN YOUR OWN OR OUR OWN. OTHER RIGHTS fees and costs relating to appeals in arbitration will be handled in fees and costs relating to appeals in arbitration will be handled in
  or Cash Advance transactions on your Account after opening.   or Cash Advance transactions on your Account after opening.   Statutes (Chapter 408 Legal Tender and Interest) Section  Statutes (Chapter 408 Legal Tender and Interest) Section  AVAILABLE IN COURT MAY NOT BE AVAILABLE IN AVAILABLE IN COURT MAY NOT BE AVAILABLE IN the same manner. For an explanation and schedule of the fees the same manner. For an explanation and schedule of the fees
  After this 30-day period, all fees are no longer avoidable or  After this 30-day period, all fees are no longer avoidable or  408.145, except to the extent that such laws are inconsistent  408.145, except to the extent that such laws are inconsistent  ARBITRATION. Except as set forth below, the arbitrator�s ARBITRATION. Except as set forth below, the arbitrator�s that apply to an arbitration proceeding with JAMS, please visit that apply to an arbitration proceeding with JAMS, please visit
  refundable.  refundable.           with controlling federal laws.  with controlling federal laws.  decision will be final and binding.  Only a court may decide the decision will be final and binding.  Only a court may decide the http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, http://www.jamsadr.com/rules-streamlined-arbitration; for AAA,
  Foreign Currency Conversion:  If you use your Card for  Foreign Currency Conversion:  If you use your Card for  validity of items (iii) and (iv) above.  If a court holds that items (iii) validity of items (iii) and (iv) above.  If a court holds that items (iii) visit http://www.adr.org/si.asp?id=5391.  The appropriate fee visit http://www.adr.org/si.asp?id=5391.  The appropriate fee
  transactions in a currency other than U.S. dollars, the  transactions in a currency other than U.S. dollars, the  ARBITRATION PROVISION (AGREEMENT TO  ARBITRATION PROVISION (AGREEMENT TO  or (iv) are limited, invalid or unenforceable, then this entire or (iv) are limited, invalid or unenforceable, then this entire schedule in effect from time to time is hereby incorporated by schedule in effect from time to time is hereby incorporated by
  transactions will be converted to U.S. dollars under the  transactions will be converted to U.S. dollars under the  Arbitration Provision will be null and void.  You or we can appeal Arbitration Provision will be null and void.  You or we can appeal reference into this Arbitration Provision.  The cost of arbitration reference into this Arbitration Provision.  The cost of arbitration
                                     ARBITRATE CLAIMS)  ARBITRATE CLAIMS) 
  appropriate current card association regulations.  The exchange  appropriate current card association regulations.  The exchange  any such holding.  If a court holds that any other part(s) of this any such holding.  If a court holds that any other part(s) of this may be higher or lower than the cost of bringing your Claim in may be higher or lower than the cost of bringing your Claim in
                                     Except as otherwise stated below, if you or we so choose, any  Except as otherwise stated below, if you or we so choose, any 
  or currency conversion rate between the transaction currency and  or currency conversion rate between the transaction currency and  Arbitration Provision (other than items (iii) and (iv)) are invalid, Arbitration Provision (other than items (iii) and (iv)) are invalid, court, depending upon the nature of your Claim and how the court, depending upon the nature of your Claim and how the
                                     Claim (as defined below) will be resolved by binding arbitration  Claim (as defined below) will be resolved by binding arbitration 
  the billing currency will be either (i) a rate selected by the card  the billing currency will be either (i) a rate selected by the card  then the remaining parts of this Arbitration Provision will remain in then the remaining parts of this Arbitration Provision will remain in arbitration proceeds.  Having more than one Claim and holding arbitration proceeds.  Having more than one Claim and holding
                                     pursuant to (a) this Arbitration Provision and (b) the code of  pursuant to (a) this Arbitration Provision and (b) the code of 
  association from the range of rates available in wholesale  association from the range of rates available in wholesale  force.  An arbitrator will decide all other issues pertaining to force.  An arbitrator will decide all other issues pertaining to face-to-face hearings can increase the cost of arbitration.  Again, face-to-face hearings can increase the cost of arbitration.  Again,
                                     procedure of the national arbitration organization to which the  procedure of the national arbitration organization to which the 
  currency markets for the applicable central processing date,  currency markets for the applicable central processing date,  arbitrability, validity, interpretation and enforceability of this arbitrability, validity, interpretation and enforceability of this neither you nor we will be permitted to arbitrate claims on a class- neither you nor we will be permitted to arbitrate claims on a class-
                                     Claim is referred (as in effect when the Claim is filed).  Claims will  Claim is referred (as in effect when the Claim is filed).  Claims will 
  which rate may vary from the rate the card association itself  which rate may vary from the rate the card association itself  Arbitration Provision.  The decision of an arbitrator is as Arbitration Provision.  The decision of an arbitrator is as wide (that is, on other than an individual) basis.  An arbitration wide (that is, on other than an individual) basis.  An arbitration
                                     be referred to either Judicial Arbitration and Mediation Services  be referred to either Judicial Arbitration and Mediation Services 
  receives, or (ii) the government-mandated rate in effect for the  receives, or (ii) the government-mandated rate in effect for the  enforceable as any court order and may be subject to very limited enforceable as any court order and may be subject to very limited proceeding can decide only your or our Claims.  You cannot join proceeding can decide only your or our Claims.  You cannot join
                                     (�JAMS�) or the American Arbitration Association (�AAA�), as  (�JAMS�) or the American Arbitration Association (�AAA�), as 
  applicable central processing date.  The exchange or currency  applicable central processing date.  The exchange or currency  review by a court. An arbitrator may decide a Claim upon the review by a court. An arbitrator may decide a Claim upon the other parties (or consolidate Claims) except with respect to other parties (or consolidate Claims) except with respect to
                                     selected by the party electing to use arbitration.  Streamlined  selected by the party electing to use arbitration.  Streamlined 
  conversion rate on the transaction processing date may differ  conversion rate on the transaction processing date may differ  submission of documents alone. submission of documents alone. A party may request a A party may request a persons who use your Account. persons who use your Account.
                                     arbitration procedures will be used if available.  If a selection by  arbitration procedures will be used if available.  If a selection by 
  from the rate in effect at the time of the transaction or the date the  from the rate in effect at the time of the transaction or the date the  telephonic hearing if permitted by applicable rules.  The exchange telephonic hearing if permitted by applicable rules.  The exchange GOVERNING LAW FOR ARBITRATION.  This Arbitration GOVERNING LAW FOR ARBITRATION.  This Arbitration
                                     us of one of these organizations is unacceptable to you, you have  us of one of these organizations is unacceptable to you, you have 
  transaction is posted to your Account.  You agree to accept the  transaction is posted to your Account.  You agree to accept the  of non-privileged information relevant to the Claim, between the of non-privileged information relevant to the Claim, between the Provision is made pursuant to a transaction involving interstate Provision is made pursuant to a transaction involving interstate
                                     the right, within 30 days after you receive notice of our election, to  the right, within 30 days after you receive notice of our election, to 
  converted amount in U.S. dollars.  converted amount in U.S. dollars.  parties, is permitted and encouraged.  Either party may submit parties, is permitted and encouraged.  Either party may submit commerce, and will be governed by the Federal Arbitration Act commerce, and will be governed by the Federal Arbitration Act
                                     select the other organization listed to serve as arbitration  select the other organization listed to serve as arbitration 
  Honoring Your Card:  W e are not accountable if a merchant,  Honoring Your Card:  W e are not accountable if a merchant,  relevant information, documents or exhibits to the arbitrator for relevant information, documents or exhibits to the arbitrator for ("FAA"), 9 U.S.C. �� 1 et seq., as amended, notwithstanding any ("FAA"), 9 U.S.C. �� 1 et seq., as amended, notwithstanding any
                                     administrator.  For purposes of this Arbitration Provision, �Claim�  administrator.  For purposes of this Arbitration Provision, �Claim� 
  ATM or other institution does not honor your Card, or if it  ATM or other institution does not honor your Card, or if it  consideration in deciding a Claim. consideration in deciding a Claim. other governing law provision in this Bank Credit Card other governing law provision in this Bank Credit Card
                                     means any claim, dispute or controversy (whether in contract,  means any claim, dispute or controversy (whether in contract, 
  malfunctions there.  Although you may have credit available, we  malfunctions there.  Although you may have credit available, we  BROAD MEANING OF �CLAIMS.�  The term "Claims" in this BROAD MEANING OF �CLAIMS.�  The term "Claims" in this Agreement.  The arbitrator will apply applicable substantive law Agreement.  The arbitrator will apply applicable substantive law
                                     tort, or otherwise) past, present or future, (collectively, "Claims")  tort, or otherwise) past, present or future, (collectively, "Claims") 
  are not liable if credit is not authorized or approved, whether  are not liable if credit is not authorized or approved, whether  Arbitration Provision is to be given the broadest possible meaning Arbitration Provision is to be given the broadest possible meaning consistent with the FAA and applicable statutes of limitations and consistent with the FAA and applicable statutes of limitations and
                                     as further described below.  (If for any reason a selected  as further described below.  (If for any reason a selected 
  because of operational difficulties, mistakes or otherwise.  because of operational difficulties, mistakes or otherwise.  and includes (by way of example and without limitation) Claims and includes (by way of example and without limitation) Claims will honor claims of privilege recognized at law.  Judgment upon will honor claims of privilege recognized at law.  Judgment upon
                                     organization cannot, will not or ceases to serve as an arbitration  organization cannot, will not or ceases to serve as an arbitration 
  Transactions above a certain dollar amount may require special  Transactions above a certain dollar amount may require special  arising from or relating to (i) the application for or issuance of your arising from or relating to (i) the application for or issuance of your any arbitration award may be entered and enforced, including any arbitration award may be entered and enforced, including
                                     administrator, you or we may substitute another widely  administrator, you or we may substitute another widely 
  authorization by us before the transaction can be approved.  In  authorization by us before the transaction can be approved.  In  Account, (ii) use, terms, change in terms or addition of terms, Account, (ii) use, terms, change in terms or addition of terms, without limitation by garnishment, attachment, foreclosure or without limitation by garnishment, attachment, foreclosure or
                                     recognized arbitration organization that uses a similar code of  recognized arbitration organization that uses a similar code of 
  addition, we may limit the number and amount of transactions  addition, we may limit the number and amount of transactions  closing or collection of your Account or this Bank Credit Card closing or collection of your Account or this Bank Credit Card other post-judgment remedies, in any court having jurisdiction. other post-judgment remedies, in any court having jurisdiction.
                                     procedure and is mutually acceptable to the parties.)    procedure and is mutually acceptable to the parties.)   
  approved in one day for security reasons, without any liability to  approved in one day for security reasons, without any liability to  Agreement, (iii) advertisements, promotions or oral or written Agreement, (iii) advertisements, promotions or oral or written The arbitrator�s decision will be final and binding, except for any The arbitrator�s decision will be final and binding, except for any
                                     RIGHT TO REJECT ARBITRATION:  You may reject this  RIGHT TO REJECT ARBITRATION:  You may reject this 
  you.  you.                                                           statements related to your Account, including any Claims statements related to your Account, including any Claims right of appeal provided by the FAA, in which cas e any party can right of appeal provided by the FAA, in which cas e any party can
                                     Arbitration Provision.  If you do so, neither you nor we will  Arbitration Provision.  If you do so, neither you nor we will 
  Notices; Change of Address, Employment or Telephone:  W e  Notices; Change of Address, Employment or Telephone:  W e  regarding information obtained by us from, or reported by us to, regarding information obtained by us from, or reported by us to, appeal the award to a three-arbitrator panel administered by the appeal the award to a three-arbitrator panel administered by the
                                     have the right to engage in arbitration.  Rejecting this  have the right to engage in arbitration.  Rejecting this 
  will send all written notices and statements to your address as it  will send all written notices and statements to your address as it  credit reporting agencies or others, (iv) the goods or insurance or credit reporting agencies or others, (iv) the goods or insurance or selected arbitration administrator.  The panel will reconsider de selected arbitration administrator.  The panel will reconsider de
                                     Arbitration Provision will have no affect on any of the other  Arbitration Provision will have no affect on any of the other 
  appears on our records.  To avoid delays and missed payments  appears on our records.  To avoid delays and missed payments  other services purchased under your Account, (v) Claims other services purchased under your Account, (v) Claims novo (that is, without deference to the ruling of the original novo (that is, without deference to the ruling of the original
                                     provisions in this Bank Credit Card Agreement.  To reject this  provisions in this Bank Credit Card Agreement.  To reject this 
  that could affect your credit standing, you agree to advise us  that could affect your credit standing, you agree to advise us  between you and our parent corporations, wholly or majority between you and our parent corporations, wholly or majority arbitration) any aspect of the initial award requested by the arbitration) any aspect of the initial award requested by the
                                     Arbitration Provision, you must send us your written rejection  Arbitration Provision, you must send us your written rejection 
  promptly if you change your mailing address, place of  promptly if you change your mailing address, place of  owned subsidiaries, affiliates, predecessors, successors, assigns, owned subsidiaries, affiliates, predecessors, successors, assigns, appealing party. appealing party.
                                     within 60 days after we open your Account, or 60 days after any  within 60 days after we open your Account, or 60 days after any 
  employment, telephone number or other contact information,  employment, telephone number or other contact information,  agents, independent contractors, employees, officers, directors or agents, independent contractors, employees, officers, directors or CONTINUED EFFECT OF ARBITRATION PROVISION.   This CONTINUED EFFECT OF ARBITRATION PROVISION.   This
                                     change in terms that affects this Arbitration Provision, to Emblem  change in terms that affects this Arbitration Provision, to Emblem 
  including, but not limited to, porting a landline telephone number  including, but not limited to, porting a landline telephone number  representatives arising from your Account or this Bank Credit representatives arising from your Account or this Bank Credit Arbitration Provision will continue to govern any Claims that may Arbitration Provision will continue to govern any Claims that may
                                     Cardholder Services, PO BOX 89210 Sioux Falls, SD 57109.  Cardholder Services, PO BOX 89210 Sioux Falls, SD 57109. 
  to a cellular phone.  You represent and agree that for purposes of  to a cellular phone.  You represent and agree that for purposes of  Card Agreement and (vi) Claims regarding the validity, Card Agreement and (vi) Claims regarding the validity, arise without regard to any termination or cancellation of your arise without regard to any termination or cancellation of your
                                     In your letter, you must give us the following information: Name,  In your letter, you must give us the following information: Name, 
  imposing fees and charges, the mailing address on your  imposing fees and charges, the mailing address on your  enforceability or scope of this Arbitration Provision or this Bank enforceability or scope of this Arbitration Provision or this Bank Account.  If any portion of this Arbitration Provision (other than Account.  If any portion of this Arbitration Provision (other than
                                     Address and Account number.  The right to reject granted here  Address and Account number.  The right to reject granted here 
  statement is your state of residence.  statement is your state of residence.  Credit Card Agreement. Credit Card Agreement. the provisions prohibiting class-wide arbitration, joinder or the provisions prohibiting class-wide arbitration, joinder or
                                     applies solely to this Arbitration Provision, and not to any other  applies solely to this Arbitration Provision, and not to any other 
  Severability:  In the event that any provision of this Agreement is  Severability:  In the event that any provision of this Agreement is  ARBITRATION PROCEDURE AND COSTS.  For a copy of ARBITRATION PROCEDURE AND COSTS.  For a copy of consolidation) is deemed invalid or unenforceable under the FAA, consolidation) is deemed invalid or unenforceable under the FAA,
                                     provision of this Bank Credit Card Agreement, or to any other  provision of this Bank Credit Card Agreement, or to any other 
  determined to be invalid or unenforceable for any reason, the  determined to be invalid or unenforceable for any reason, the  relevant codes of procedure, to file a Claim or for other relevant codes of procedure, to file a Claim or for other it will not invalidate the remaining portions of this Arbitration it will not invalidate the remaining portions of this Arbitration
                                     agreement with us.  In the event of a dispute over whether you  agreement with us.  In the event of a dispute over whether you 
  validity or enforceability of any other provision of this Agreement  validity or enforceability of any other provision of this Agreement  information about JAMS and AAA, write them, visit their web site information about JAMS and AAA, write them, visit their web site Provision.  If a conflict or inconsistency arises between the code Provision.  If a conflict or inconsistency arises between the code
                                     have provided a timely rejection notice, you must provide proof of  have provided a timely rejection notice, you must provide proof of 
  will not be affected, and in lieu of such invalid or unenforceable  will not be affected, and in lieu of such invalid or unenforceable  or call them at: (i) for JAMS, 1920 Main Street, Suite 300, Irvine, or call them at: (i) for JAMS, 1920 Main Street, Suite 300, Irvine, of procedures of the selected arbitration administrator and this of procedures of the selected arbitration administrator and this
                                     delivery.  Neither party may elect to arbitrate an individual Claim  delivery.  Neither party may elect to arbitrate an individual Claim 
  provision there will be added automatically, as part of this  provision there will be added automatically, as part of this  CA 92614 or info@jamsadr.com, http://www.jamsadr.com, 1-800- CA 92614 or info@jamsadr.com, http://www.jamsadr.com , 1-800- Arbitration Provision, this Arbitration Provision will control. Arbitration Provision, this Arbitration Provision will control.
                                     brought in small claims court (or your state�s equivalent court, if  brought in small claims court (or your state�s equivalent court, if 
  Agreement, a provision as similar in terms as may be valid and  Agreement, a provision as similar in terms as may be valid and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor, New York, 352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor, New York,
                                     any).  However, if a Claim that is brought in small claims court is  any).  However, if a Claim that is brought in small claims court is 
  enforceable, if possible.  enforceable, if possible.                 NY 10019 or websitemail@adr.org, http://www.adr.org, 1-800- NY 10019 or websitemail@adr.org, http://www.adr.org, 1-800-
  STATE NOTICES  STATE NOTICES      INCURRING ANY ADDITIONAL CHARGE FOR  INCURRING ANY ADDITIONAL CHARGE FOR  fees.  W e will send you a statement of the amount you owe and  fees.  W e will send you a statement of the amount you owe and 
                                                                       the date payment is due.  W e may then report you as delinquent  the date payment is due.  W e may then report you as delinquent 
  CA RESIDENTS:  A married applicant may apply for a separate  CA RESIDENTS:  A married applicant may apply for a separate  PREPAYMENT.  PREPAYMENT. 
                                                                       if you do not pay the amount we think you owe.  if you do not pay the amount we think you owe. 
  account.  If this is a joint account, after credit approval, each  account.  If this is a joint account, after credit approval, each  NY RESIDENTS:  RETAIL INSTALMENT CREDIT  NY RESIDENTS:  RETAIL INSTALMENT CREDIT 
                                                                       If you receive our explanation but still believe your bill is wrong,  If you receive our explanation but still believe your bill is wrong, 
  applicant shall have the right to use this account to the extent of  applicant shall have the right to use this account to the extent of  AGREEMENT  AGREEMENT  you must write to us within 10 days telling us that you still refuse  you must write to us within 10 days telling us that you still refuse 
  any credit limit set by the creditor, and each applicant may be  any credit limit set by the creditor, and each applicant may be  to pay.  If you do so, we cannot report you as delinquent without  to pay.  If you do so, we cannot report you as delinquent without 
                                                                       also reporting that you are questioning your bill.  W e must tell you  also reporting that you are questioning your bill.  W e must tell you 
  liable for all amounts of credit extended under this account to  liable for all amounts of credit extended under this account to  CARDHOLDER: CARDHOLDER: Your signature (including any electronic or Your signature (including any electronic or
                                                                       the name of anyone to whom we reported you as delinquent, and  the name of anyone to whom we reported you as delinquent, and 
  any joint applicant.  Interest is compounded on unpaid finance  any joint applicant.  Interest is compounded on unpaid finance  digital signature) on any Application or on any sales slip or other  digital signature) on any Application or on any sales slip or other 
                                                                       we must let those organizations know when the matter has been  we must let those organizations know when the matter has been 
                                    evidence of indebtedness on your Account represents your  evidence of indebtedness on your Account represents your 
  charges on Purchases and on unpaid finance charges on Cash  charges on Purchases and on unpaid finance charges on Cash  settled between us.  settled between us. 
                                    signature on this Agreement.  signature on this Agreement. 
  Advances.  Advances.                                                 If we do not follow all of the rules above, you do not have to pay  If we do not follow all of the rules above, you do not have to pay 
                                    BANK: /s/ Mid America Bank & Trust Company, Dixon, MO  BANK: /s/ Mid America Bank & Trust Company, Dixon, MO 
                                                                       the first $50 of the amount you question even if your bill is correct.  the first $50 of the amount you question even if your bill is correct. 
  NJ RESIDENTS:  Because certain provisions of this Agreement  NJ RESIDENTS:  Because certain provisions of this Agreement  Date: January 2017  Date: January 2017 
                                                                       Your Rights If You Are Dissatisfied With Your Credit Card  Your Rights If You Are Dissatisfied With Your Credit Card 
  are subject to applicable law, they may be void, unenforceable  are subject to applicable law, they may be void, unenforceable  Purchases Purchases
  or inapplicable in some jurisdictions.  None of these provisions,  or inapplicable in some jurisdictions.  None of these provisions,  BILLING RIGHTS NOTICE  BILLING RIGHTS NOTICE 
                                                                       If you are dissatisfied with the goods or services that you have  If you are dissatisfied with the goods or services that you have 
                                    Your Billing Rights: Keep This Document For Future Use Your Billing Rights: Keep This Document For Future Use
  however, is void, unenforceable or inapplicable in New Jersey.  however, is void, unenforceable or inapplicable in New Jersey.  purchased with your credit card and you have tried in good faith  purchased with your credit card and you have tried in good faith 
                                    This notice tells you about your rights and our responsibilities  This notice tells you about your rights and our responsibilities  to correct the problem with the merchant, you may have the right  to correct the problem with the merchant, you may have the right 
  OH RESIDENTS:  The Ohio laws against discrimination require  OH RESIDENTS:  The Ohio laws against discrimination require 
                                    under the Fair Credit Billing Act.  under the Fair Credit Billing Act.  not to pay the remaining amount due on the purchase.  not to pay the remaining amount due on the purchase. 
  that all creditors make credit equally available to all credit  that all creditors make credit equally available to all credit  What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement To use this right, all of the following must be true:  To use this right, all of the following must be true: 
  worthy customers, and that credit  reporting agencies maintain  worthy customers, and that credit  reporting agencies maintain  If you think there is an error on your statement, write to us at:  If you think there is an error on your statement, write to us at:  1. 1. The purchase must have been made in your home state or The purchase must have been made in your home state or
                                    Emblem Cardholder Services  Emblem Cardholder Services 
  separate histories on each individual upon request.  The Ohio  separate histories on each individual upon request.  The Ohio  within 100 miles of your current mailing address, and the within 100 miles of your current mailing address, and the
                                     PO BOX 89210    PO BOX 89210        purchase price must have been more than $50.  (Note: purchase price must have been more than $50.  (Note:
  civil rights commission administers compliance with this law.  civil rights commission administers compliance with this law. 
                                    Sioux Falls, SD 57109  Sioux Falls, SD 57109  Neither of these are necessary if your purchase was based Neither of these are necessary if your purchase was based
  NY RESIDENTS:  New York residents may contact the New  NY RESIDENTS:  New York residents may contact the New  In your letter, give us the following information:  In your letter, give us the following information:  on an advertisement we mailed to you, or if we own the on an advertisement we mailed to you, or if we own the
  York state banking department to obtain comparative listing of  York state banking department to obtain comparative listing of  ? ? Account information:  Your name and account number. Account information:  Your name and account number. company that sold you the goods or services.) company that sold you the goods or services.)
  credit card rates, fees, and grace periods.  Call 1-800-518-8866.  credit card rates, fees, and grace periods.  Call 1-800-518-8866.  ? ? Dollar amount:  The dollar amount of the suspected error. Dollar amount:  The dollar amount of the suspected error. 2. 2. You must have used your credit card for the purchase. You must have used your credit card for the purchase.
                                    ? ? Description of problem:  If you think there is an error on your Description of problem:  If you think there is an error on your Purchases made with cash advances from an ATM or with a Purchases made with cash advances from an ATM or with a
  WI RESIDENTS:  We will not charge you attorneys� fees, court  WI RESIDENTS:  We will not charge you attorneys� fees, court 
                                       bill, describe what you believe is wrong and why you believe bill, describe what you believe is wrong and why you believe check that accesses your credit card account do not qualify. check that accesses your credit card account do not qualify.
  costs, or other collection costs incurred as a result of your  costs, or other collection costs incurred as a result of your  it is a mistake. it is a mistake. 3. 3. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase.
  default.  default.                You must contact us:  You must contact us:  If all of the criteria above are met and you are still dissatisfied with If all of the criteria above are met and you are still dissatisfied with
  MARRIED WI RESIDENTS:  No provisions of any marital  MARRIED WI RESIDENTS:  No provisions of any marital  ? ? Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. the purchase, contact us in writing at:  the purchase, contact us in writing at: 
                                    ? ? At least 3 business days before an automated payment is At least 3 business days before an automated payment is Emblem Cardholder Services  Emblem Cardholder Services 
  property agreement, unilateral statement under section 766.59  property agreement, unilateral statement under section 766.59 
                                       scheduled, if you want to stop payment on the amount you scheduled, if you want to stop payment on the amount you PO BOX 89210   PO BOX 89210  
  or court decree under section 766.70 will adversely affect the  or court decree under section 766.70 will adversely affect the 
                                       think is wrong. think is wrong. Sioux Falls, SD 57109  Sioux Falls, SD 57109 
  interest of the creditor unless the creditor, prior to the time credit  interest of the creditor unless the creditor, prior to the time credit  You must notify us of any potential errors in writing.  You may call  You must notify us of any potential errors in writing.  You may call  While we investigate, the same rules apply to the disputed  While we investigate, the same rules apply to the disputed 
  is granted, is furnished a copy of the agreement, statement, or  is granted, is furnished a copy of the agreement, statement, or  us, but if you do we are not required to investigate any potential  us, but if you do we are not required to investigate any potential  amount as discussed above.  After we finish our investigation, we  amount as discussed above.  After we finish our investigation, we 
                                    errors and you may have to pay the amount in question.  errors and you may have to pay the amount in question.  will tell you our decision.   will tell you our decision.  
  decree or has actual knowledge of the adverse position when  decree or has actual knowledge of the adverse position when 
                                    What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter
  the obligation to the creditor is incurred.  We are required to ask  the obligation to the creditor is incurred.  We are required to ask 
                                    When we receive your letter, we must do two things:  When we receive your letter, we must do two things: 
  you to provide the name and address of your spouse.  you to provide the name and address of your spouse.  1. 1. Within 30 days of receiving your letter, we must tell you that Within 30 days of receiving your letter, we must tell you that
  DE and MD RESIDENTS:  Finance charges will be imposed in  DE and MD RESIDENTS:  Finance charges will be imposed in  we received your letter.  W e will also tell you if we have we received your letter.  W e will also tell you if we have
  amounts or at rates not in excess of those permitted by law on  amounts or at rates not in excess of those permitted by law on  already corrected the error. already corrected the error.
                                    2. 2. Within 90 days of receiving your letter, we must either Within 90 days of receiving your letter, we must either
  the outstanding balances from month to month.  the outstanding balances from month to month. 
                                       correct the error or explain to you why we believe the bill is correct the error or explain to you why we believe the bill is
  MD RESIDENTS:  You have the right under Section 12-510 of  MD RESIDENTS:  You have the right under Section 12-510 of  correct. correct.
  the Commercial Law Code to receive an answer to a written  the Commercial Law Code to receive an answer to a written  While we investigate whether or not there has been an error:  While we investigate whether or not there has been an error: 
  inquiry concerning the status of your account.  inquiry concerning the status of your account.  ? ? W e cannot try to collect the amount in question, or report W e cannot try to collect the amount in question, or report
                                       you as delinquent on that amount. you as delinquent on that amount.
  NOTICE TO THE BUYER  NOTICE TO THE BUYER 
                                    ? ? The charge in question may remain on your statement, and The charge in question may remain on your statement, and
  1. 1. DO NOT SIGN THIS CREDIT AGREEMENT DO NOT SIGN THIS CREDIT AGREEMENT
                                       we may continue to charge you interest on that amount. we may continue to charge you interest on that amount.
     BEFORE YOU READ IT OR IF IT CONTAINS BEFORE YOU READ IT OR IF IT CONTAINS ? ? While you do not have to pay the amount in question, you While you do not have to pay the amount in question, you
     ANY BLANK SPACES. ANY BLANK SPACES. are responsible for the remainder of your balance. are responsible for the remainder of your balance.
  2. 2. YOU ARE ENTITLED TO A COMPLETELY YOU ARE ENTITLED TO A COMPLETELY ? ? W e can apply any unpaid amount against your credit limit. W e can apply any unpaid amount against your credit limit.
                                    After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen:
     FILLED IN COPY OF THIS CREDIT FILLED IN COPY OF THIS CREDIT
                                    ? ? If we made a mistake:  You will not have to pay the amount If we made a mistake:  You will not have to pay the amount
     AGREEMENT. AGREEMENT.             in question or any interest or other fees related to that in question or any interest or other fees related to that
  3. 3. YOU MAY AT ANY TIME PAY MORE YOU MAY AT ANY TIME PAY MORE amount. amount.
  THAN THE MINIMUM PAYMENT OR YOUR THAN THE MINIMUM PAYMENT OR YOUR ? ? If we do not believe there was a mistake:  You will have If we do not believe there was a mistake:  You will have
                                    to pay the amount in question, along with applicable interest and to pay the amount in question, along with applicable interest and
  ENTIRE BALANCE IN FULL WITHOUT ENTIRE BALANCE IN FULL WITHOUT