Genesis Credit® Account  
Pricing Summary 

Interest Rates and Interest Charges

Annual Percentage Rate  
(APR) for Purchases

24.99%

2
-
1
0
0
Y
-
3
0
F

How to Avoid Paying Interest 
on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will 
not charge you any interest on purchases if you pay your entire balance by the 
due date each month. 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

To learn more about factors to consider when applying for or using 
a credit card, visit the website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee 

None 

Penalty Fees

• Late Payment Fee

• Returned Payment Fee

Up to $39

Up to $39

How We Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See 
the “How Interest Charges are Determined” section of the Genesis Credit Account Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in “Your 
Billing Rights - Keep This Notice for Future Use” section of the Genesis Credit Account Agreement. 

JOB SPECS: 
Flat Size: 
8.25” x 18.5” 

Finished Size: 
8.25” x 3.75” 

Colors: 

Front: Black 
Back: Black 

Bleed: No 

Note: None 

Genesis Credit® Account Agreement

F03-X868-0

Dear Accountholder: 
This Agreement, as defined below, is your contract for your Account and: 

•  Covers the terms that govern the use of your Account;
•  Outlines both your responsibilities and ours;
•  Includes certain disclosures required by the Federal Truth in Lending 

Act;

•  Includes certain disclosures required by the Federal Military Lending 

Act;

•  Includes an Arbitration of Disputes Provision that will substantially 

affect your rights unless you reject it; and 

•  Contains important information about your Account. 

We  encourage  you  to  read  the  Agreement  and  keep  it  for  your  records. 
Please  feel  free  to  call  us  with  any  questions  you  may  have.  We  look 
forward to serving you.

ACCOUNT AGREEMENT 

This  Agreement  contains  the  terms  that  govern  the  use  of  your  Genesis  Credit  Account  and 
outlines  both  your  responsibilities  and  ours.  Please  read  it  in  its  entirety  and  keep  it  for  your 
reference. In addition, any written application, acceptance certificate or other request you signed 
or  otherwise  submitted  for  this  Account  (the  “Application”),  your  Card  and  the  Card  Carrier 
that we send with your Card, and your signature (including any electronic or digital signature) 
on any Application, sales slip or other evidence of indebtedness on your Account, are hereby 
incorporated into and made a part of this Agreement. This Agreement begins on the earlier of 
(i) the date you sign or otherwise submit an Application that is approved by us, or (ii) the first 
date that we extend credit to you on your Account, as evidenced by a signed sales slip or other 
evidence of indebtedness.

DEFINITIONS 

To simplify this Agreement for you, the definitions listed below will apply throughout, both in this 
Agreement and in your monthly Statements. In addition, the words you, your, and yours refer to 
the Accountholder(s) who holds the Card and is responsible for the Account, each of whom is 
individually and jointly obligated under this Agreement. The words we, us, and our refer to The 
Bank of Missouri. 
Account: The Account for which you were issued a Card imprinted with your Account number and 
that is subject to all of the terms and conditions of this Agreement. 
Accountholder: The person to whom a Card is issued, or who has agreed to pay obligations 
arising from the use of a Card or the Account.
Billing Cycle: The time interval covered by a monthly Statement. Each Billing Cycle is approximately 
30 days in length; however, the specific period of time is described on each monthly Statement. 
Your Account will have a Billing Cycle even if a Statement is not required. 
Card: Any Genesis Credit card issued by us that you may use to make Purchases of goods or 
services from Retailer. Use of your Account number to make Purchases of goods or services from 
Retailer will be considered use of the Account. 
Card Carrier: The carrier that contains your Card.
Closing Date: The date of the last day of a Billing Cycle. 
Covered Borrower: Certain members of the Armed Forces and their dependents who are protected 
by the Military Lending Act.
Credit: The credit extension you receive under this Agreement. 
Credit Limit: The maximum amount of credit available to you on your Account. Your Credit Limit 
will be disclosed to you on the monthly Statements. 
New  Balance:  The  total  outstanding  Account  balance  on  the  Closing  Date  specified  in  your 
monthly statement. 
Previous Balance: The balance of your Account at the beginning of a Billing Cycle. This will be the 
same as the “New Balance” shown on the previous monthly statement. 
Purchase: An extension of Credit to your Account for the purpose of purchasing goods or services 
from Retailer. 
Regular  Balance:  The  total  outstanding  balance  of  Purchases  and  interest  charges,  excluding 
amounts included in the Miscellaneous/Fees Balance. 
Miscellaneous/Fees Balance: The total outstanding balance of all amounts other than Purchases 
and interest charges on Purchases. 
Retailer: Participating Aspen Dental locations located in the U.S. 
Statement:  A  monthly  document  we  provide  to  you  showing  Account  information  including, 
among  other  things,  Purchase  transactions,  credits  and  debits,  payments,  fees,  and  interest 
charges made to your Account during a Billing Cycle. 

form may not be credited as of the day we receive them. If we accept a payment at a place other 
than  the  address  in  the  immediately  preceding  paragraph,  we  may  delay  the  crediting  of  the 
payment for up to five (5) days. This may cause you to incur Late Payment Fees and additional 
interest charges, and may result in your Account being declared in default.
We do not accept cash payments through the mail. You may not make payments with funds from 
your Account or any other credit account issued by us.
When you provide a check as payment, you authorize us either to use information from your 
check to make a one-time electronic fund transfer from your account or to process the payment 
as a check transaction. When we use information from your check to make an electronic fund 
transfer, funds may be withdrawn from your account as soon as the same day we receive your 
payment and you will not receive your check back from your financial institution. 
At any time, you may pay part or all of the full amount you owe without incurring any additional 
charge for prepayment. The amount of any payment that exceeds your total New Balance will be 
applied as a credit to your Account, and any remaining credit balance will be refunded as required 
by law. 
Credit availability may be delayed at our sole discretion to ensure payment in good funds. Your 
available credit on your Credit Limit may not reflect your payments for up to 14 days.

Application of Payments 
For each Billing Cycle, we will allocate payment amounts up to your monthly minimum payment 
to  charges  and  principal  due  (including  new  transactions)  in  any  way  we  determine.  We  will 
generally  apply  payment  amounts  up  to  your  Monthly  Minimum  Payment  in  a  manner  most 
favorable or convenient for us. 
For each Billing Cycle, to the extent your payments exceed your monthly minimum payment, we 
will apply these excess amounts in the order required by applicable law. 

HOW INTEREST CHARGES ARE DETERMINED 

Your Interest Rate 
We use a daily periodic rate to calculate the interest on your Account. The daily periodic rate is 
the applicable APR multiplied by 1/365. The daily periodic rate for your account is 0.0684% and 
the applicable APR is 24.99%. 

When We Charge Interest 
We charge interest on your Regular Balance from the date you make the purchase until you pay 
the Regular Balance in full. 
However, we do not assess interest charges in the following circumstances: 

1.  If you paid the New Balance at the beginning of your previous Billing Cycle by the Payment 
Due  Date  during  the  previous  Billing  Cycle,  or  if  that  New  Balance  was  $0  or  a  credit 
balance, then:

a. if you pay the New Balance on your current Statement in full by the Payment Due Date 
in your current Billing Cycle, we will not assess interest charges during your current 

  Billing Cycle; and
b. if you make a payment that is less than the New Balance by the Payment Due Date in 
  your current Billing Cycle, we will credit that payment as of the first day in your current  
  Billing Cycle.

2.  If you had a New Balance at the beginning of your previous Billing Cycle and you did not pay 
that New Balance by the Payment Due Date during that previous Billing Cycle, then we will 
not assess interest charges during the current Billing Cycle if you pay the New Balance at 
the beginning of your current Billing Cycle by the Payment Due Date in your current Billing 
Cycle.

How We Calculate Interest 
We  calculate  interest  separately  for  each  balance  segment  on  your  Account.  We  do  this  by 
applying the daily periodic rate to your average daily balance (including new Purchases), and 
then multiplying the resulting number by the number of days in the Billing Cycle for each balance 
segment. An average daily balance is calculated for the following balance segments as applicable: 
Regular Balance segments and the Miscellaneous/Fees Balance segment. 
We calculate interest for each balance segment as follows: 

1.  For each day, we take the beginning balance of each balance segment in the billing cycle, 
including any unpaid interest charges, add any new purchases and debits, and then subtract 
the applicable portion of any payments and credits. This gives us the daily balance. Late 
Payment Fees, Returned Payment Fees, and Documentation Fees are not included in the 
daily balance. 

2.  Then, we add all the daily balances for the billing cycle together and divide the total by the 

number of days in the billing cycle. This gives us the average daily balance. 

3.  Next, we multiply the daily periodic rate by the average daily balance. 
4.  Finally, we take the resulting number from #3 and multiply it by the number of days in 
the billing cycle. This gives us the interest charge for each balance segment for the billing 
cycle. 

USING YOUR ACCOUNT 

OTHER FEES 

Purchases 
You may use your Account to purchase goods and services from Retailer. You promise to pay us 
and are liable for all amounts resulting from the authorized use of your Card, Account Number 
or Account, plus any applicable interest charges and other applicable charges or fees, payable 
in U.S. dollars. 

Your Credit Limit 
You may not use your Account in any way that would cause you to go over your Credit Limit. We 
may refuse to authorize or accept any transaction on your Account if (1) that transaction would 
cause you to exceed your Credit Limit or (2) your Account is delinquent. We may temporarily 
agree to allow you to exceed your Credit Limit. If we do so, in that case, you must repay the 
excess amount according to the terms of this Agreement. Any transactions honored in excess of 
your Credit Limit will not result in an increase of your Credit Limit. 

MAKING PAYMENTS 

Monthly Statements 
We will send a Statement at the end of each monthly Billing Cycle if there is a debit or credit 
balance on your account of $1 or more, a balance on which an interest charge has been imposed 
or as otherwise required by applicable law. You agree to pay us, or any party to whom we may 
transfer  and  assign  your  Account  or  the  amounts  owing  under  your  Account,  in  U.S.  dollars 
according to all terms and conditions of this Agreement. Payments made by a check, money 
order or other negotiable instrument must be in a form acceptable to us and drawn on a U.S. 
financial institution. 

Monthly Minimum Payment 
Your initial Monthly Minimum Payment will be based on the balance on the last day of your first 
Billing Cycle in which you make a Purchase, using the table below. This balance will exclude any 
transactions, payments, or adjustments that post on the last day of the Billing Cycle. Your Monthly 
Minimum Payment will not change unless you make additional purchases in a later Billing Cycle. 

If you make an additional purchase in a later Billing Cycle, the Monthly Minimum Payment may 
increase based on your New Balance at the end of that Billing Cycle, using the table below. Any 
increase  will  take  effect  with  your  Monthly  Minimum  Payment  due  in  the  second  subsequent 
Billing Cycle. 

If the amount of your  
balance is:

Up to $999.99

Between $1,000 and $1,999.99

Between $2,000 and $2,999.99

$3,000 or more

Then your monthly minimum 
payment will be:

$45

$90

$145

$225

Your Monthly Minimum Payment due also will include the greater of (i) any past due amount, or 
(ii) any amount by which the New Balance exceeded your Credit Limit. Your Monthly Minimum 
Payment due will never exceed your New Balance. 
If you elect not to pay your New Balance in full, you must pay at least the Monthly Minimum 
Payment due by the payment due date shown on your monthly statement, which is at least 25 
days after the Closing Date of the Billing Cycle. 
If you make a payment in excess of the Monthly Minimum Payment due for any month, it will 
not reduce your Monthly Minimum Payment due in subsequent months, but it may result in your 
paying off your balance more quickly.
Payments should be mailed with the payment coupon and in the envelope provided and following 
the other instructions on the Statement to Genesis FS Card Services, P.O. Box 84049, Columbus, 
Georgia 31908. Any payment received in that form and at that address on or before 5:00 P.M., 
Eastern Time, on a normal banking day will be credited to your Account that day. If your payment 
is received in that form and at that address after 5:00 P.M., Eastern Time, on a normal banking day, 
or any time on a non-banking day, we will credit it to your Account the next banking day. However, 
if your Payment Due Date occurs on a non-banking day, any payment received the next day which 
conforms to the above requirements will not be treated as late. Please allow at least seven (7) 
business days for postal delivery. Payments received by us at any other location or in any other 

In addition to interest charges, other fees may be applied to your Account, as set forth below. 

Late Payment Fee 
If we do not receive your Monthly Minimum Payment Due by the Closing Date of the Billing Cycle 
in which the Payment Due Date occurs and the amount past due on your Account is more than 
$9.99, we will charge a Late Payment Fee to your Account. The Late Payment Fee is $28 if you 
were not charged a Late Payment Fee during any of the prior six  Billing Cycles. Otherwise, the 
Late  Payment  Fee  is  $39.  The  Late  Payment  Fee  will  never  exceed  the  amount  of  your  most 
recently required Monthly Minimum Payment. 

Returned Payment Fee 
If any payment on your Account is returned to us unpaid for any reason, we will charge a Returned 
Payment  Fee  to  your  Account.  The  Returned  Payment  Fee  is  $28  if  you  were  not  charged  a 
Returned Payment Fee during any of the prior six  Billing Cycles. Otherwise, the Returned Payment 
Fee  is  $39.  The  Returned  Payment  Fee  will  never  exceed  the  amount  of  your  most  recently 
required Monthly Minimum Payment. 

Documentation Fee 
You may request a copy of a Statement previously sent to you for a Documentation Fee of $3 per 
Statement, which will be charged to your Account. Copies of sales tickets or other items posted 
to your Account may be obtained for a Documentation Fee of $10 per sales ticket or other item, 
which will be applied to your Account. Notwithstanding the foregoing, we will not impose any fee 
in connection with a good faith assertion of a billing error or other exercise of your Billing Rights 
(see below under “Your Billing Rights - Keep This Notice for Future Use”). 

MILITARY LENDING ACT 

The Military Lending Act provides protections for Covered Borrowers. The provisions of this 
section apply to Covered Borrowers. If you would like more information about whether you are 
a Covered Borrower, you may contact us at 1-866-502-6439. 

Statement of MAPR 
Federal law provides important protections to members of the Armed Forces and their dependents 
relating to extensions of consumer credit. In general, the cost of consumer credit to a member of 
the Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36%. 
This rate must include, as applicable to the credit transaction or account: (1) the costs associated 
with credit insurance premiums; (2) fees for ancillary products sold in connection with the credit 
transaction; (3) any application fee charged (other than certain application fees for specified credit 
transactions or accounts); and (4) any participation fee charged (other than certain participation 
fees for a credit card account). 

Oral Disclosures 
In order to hear important disclosures and payment information about this Agreement, you may 
call 1-866-875-5929. 

Applicability of Arbitration of Disputes Provision 
The  Arbitration  of  Disputes  Provision  set  forth  in  this  Agreement  does  not  apply  to  Covered 
Borrowers. 

LOST CARDS AND UNAUTHORIZED USE 

You will take reasonable steps to prevent the unauthorized use of your Card and Account. If your 
Card is lost or stolen or if someone else might be using it without your permission, you must tell 
us at once. You may tell us by calling the telephone number on the back of your Card or on your 
Statement or by writing us at the address on your Statement. You will not be responsible for the 
charges made to your Account that are found by us to be unauthorized. If we reimburse your 
Account for unauthorized charges made using your Card or Account, you will help us investigate, 
pursue, and get reimbursement from the wrongdoer. Your help includes giving us documents that 
we ask for and are acceptable to us. 

COMMUNICATIONS 

Telephone  Monitoring  and  Recording.  You  consent  and  agree  that,  except  as  restricted  by 
applicable law, we may monitor and/or record telephone calls regarding your Account, suppress 
caller identification services and use an automated dialing and announcing system or pre-recorded 

. . . CONTINUED ON REVERSE

 
 
 
messages  for  account  management  purposes,  including  calls  made  for  account  collection 
purposes. If you provide us with a cellular phone number either as part of your application, or at 
any time thereafter, including, without limitation, after your Account is in a default status, you are 
expressly consenting that we and our agents may (1) contact you at that number including by text 
message, and (2) use automated telephone dialing systems to initiate such contacts and/or leave 
recorded messages. For Text Messages: Message and data rates may apply.

In accordance with applicable law, we or our representatives may contact you from time to time 
regarding the Account, or to ask for additional information about you or your experience with us. 
You agree that such contacts are not unsolicited and may include contacts at your home or place 
of employment, during weekdays, weekends or holidays, on your mobile telephone, voicemail or 
answering machine, or by email, fax, recorded message, text message or personal visit.

Email. If you provide us at any time with an email contact for your Account, you agree we may 
use that email address to contact you about your Account and may send you information about 
products and services related to your Account. If, at any time, you would like to limit the types of 
communications you receive from us by email, please contact us at Genesis FS Card Services, 
P.O. Box 4477, Beaverton, OR 97076, 1-866-946-9575, or, if you receive an email from us, you 
can select the “unsubscribe” link that is located in every email. 

OUR RIGHTS AND HOW THEY AFFECT YOU 

Retailer  Refunds  for  Goods  or  Services.  Refunds  for  goods  and  services  are  governed  by 
Retailer. Any refunds for goods or services purchased from Retailer through an extension of Credit 
on your Account will be issued as a credit adjustment to your Account. When we are notified 
by Retailer of any refund amount, we will subtract an amount equal to the refund amount from 
your Account. However, the Monthly Minimum Payment amount based on your balance will not 
decrease as a result of any refund amount. If a refund amount results in a credit balance on your 
Account, we will refund your credit balance.

No Waiver of Rights; Disputed Amounts 
We can accept late or partial payments without losing any of our rights under this Agreement. 
You  agree  not  to  send  us  partial  payments  marked  “paid  in  full,”  “without  recourse,”  or 
similar language. If you send such a payment, we may accept it without losing any of our 
rights  under  this  Agreement.  All  written  communications  concerning  disputed  amounts, 
including any check or other payment instrument that indicated that the payment constitutes 
“payment in full” of the amount owed or that is tendered with other conditions or limitations 
or as full satisfaction of a disputed amount, must be mailed or delivered to Genesis FS Card 
Services, P.O. Box 4499, Beaverton, Oregon 97076. 

Credit Reports and Information 
You authorize us to make or have made any credit, employment, or other investigative inquiries 
we deem appropriate to extend you credit or collect amounts owed to us on your Account. We 
(including any assignee of the Account or amounts owing under the Account) may also obtain 
information about you from credit reporting agencies or others at any time and use it for the 
purposes of monitoring your credit performance, managing your Account and considering you 
for new offers and programs. 

Notice of Inaccurate Information 
If you believe that we have information about you that is inaccurate or that we have reported or 
may report to a credit reporting agency information about you that is inaccurate, please notify 
us of the specific information that you believe is inaccurate by writing to us at Genesis FS Card 
Services, P.O. Box 4499, Beaverton, OR 97076. 

Default and Collection 
Unless prohibited by applicable law, your Account is considered to be in default if (1) you fail to 
make the required Monthly Minimum Payment on or before the Payment Due Date, including if 
your payment is returned or cannot be processed and you do not correct that failure within 31 
days, (2) you try to exceed or do exceed your Credit Limit without permission and do not bring 
your Account back under your Credit Limit within 31 days, (3) you become subject to bankruptcy 
or insolvency proceedings, (4) you become subject to attachment or garnishment proceedings, 
(5) you give us any false information or signature, (6) you die, or (7) you fail to comply with any 
portion of this Agreement. Our accepting a late or partial payment does not waive default. Default 
on this Account will constitute default on all accounts you hold with us. 
Subject to any notice of default and right to cure or other restrictions of applicable law, if you are 
in default, we may declare the entire balance due immediately. You agree to pay our reasonable 
costs and attorneys’ fees and expenses related to the collection of your Account, and retrieving 
your Card, to the extent permitted by applicable laws. 

Change of Terms 
Subject to the limitations of applicable law, we may, at any time, change or remove any of 
the terms and conditions of, or add new terms or conditions to, this Agreement. If required 
by applicable law, we will mail written notice of such a change to you in the manner required 
by such law. As of the effective date, the changed or new terms will apply to new Purchases 
and to the outstanding balance of your Account, subject to the limitations of applicable law. 

Delay in Enforcement 
We can delay enforcing our rights under this Agreement without losing them. 

OTHER PROVISIONS 

Ownership and Use of Your Card 
As the Accountholder you are liable for all credit obtained under your Account. If you authorize 
another person to use your Card or Account Number, you are liable for any Credit obtained on 
your  Account.  Misuse  of  your  Card  or  Account  Number  by  an  authorized  person  will  not  be 
considered  unauthorized  use.  See  “Lost  Cards  and  Unauthorized  Use”  above.  Upon  demand, 
you must immediately return any Card we supply to you or destroy the Card by cutting it in half. 

Transactions 
You will retain for Statement verification your copy of each Purchase slip or other transaction 
receipt from Retailer. 

Transfer of Your Account 
You may not transfer your Account to any other person. We may assign your Account or amounts 
owing under your Account to any other person at any time and the assignee will take our place 
under the Agreement with respect to all agreements and interests transferred. You must pay the 
assignee and otherwise perform your obligations under the assigned agreements and interests. 

Closing or Suspending Your Account 
Either you or we may terminate or suspend your Credit privileges at any time, with or without 
cause and with or without advance notice, but you will remain liable for all charges until they are 
paid in full. You may cancel your Account at any time by writing to us at Genesis FS Card Services, 
P.O. Box 4477, Beaverton, OR 97076. 
If you do not use your Account to make a purchase from the Retailer within four months from 
the opening of your Account, we reserve the right to terminate your Credit privileges and cancel 
your Account. 

Additional Benefits and Services 
From time to time, we may offer you benefits and services with your Account. These benefits 
and  services  may  be  provided  by  us  or  third  parties.  Unless  expressly  made  a  part  of  this 
Agreement, and except as provided in the Arbitration of Disputes section below, any such benefits 
and services are not a part of this Agreement, and are subject only to the terms and conditions 
outlined in the benefits or services brochure and other official documents provided to you with 
respect to the benefits and services. We may adjust, add, or delete benefits or services at any time 
in accordance with the brochures or documents you receive. Except as required by applicable law, 
we are not liable for benefits or services provided by third parties or the actions or omissions of 
those third parties. 

Honoring Your Card 
We are not liable for the failure or refusal of Retailer to accept your Card or Account Number. 
Although you may have Credit available, we will not be liable for the failure to authorize Credit 
due to operational difficulties or mistakes. Transactions made above a certain dollar amount may 
require that we authorize the transaction before the transaction is approved. In addition, we may 
limit the number and amount of daily transactions approved for security reasons. 

Change of Address, Employment and Telephone 
We will send all written notices and Statements to your address as it appears on our records. To 
avoid delays and missed payments that could affect your credit standing, you agree to promptly 
advise us if you change your mailing address, place of employment, or telephone number. 

Severability 
In the event that any provision of this Agreement is determined to be invalid or unenforceable for 
any reason, the remaining provisions will remain in effect. 

Entire Agreement; Interpretation 
This Agreement (including other documents incorporated herein by reference) constitutes the final 
expression of the credit agreement between you and us relating to your Account. The headings 
used in this Agreement are for the convenience of reference only and are not intended to define or 
describe the scope or intent of any portion of the Agreement. 

Governing Law 
Except as expressly set forth in the Arbitration Provision of this Agreement, this Agreement 
and the interpretation and enforcement thereof (including but not limited to the exportation 
of interest rates) will be governed by Federal law that applies to us and to the extent not 
preempted  by  Federal  law,  the  laws  of  the  State  of  Missouri,  including  Missouri  Revised 
Statutes (Chapter 408 Legal Tender and Interest) Section 408.145. 

Arbitration of Disputes 
PLEASE READ THIS ARBITRATION OF DISPUTES PROVISION CAREFULLY. UNLESS YOU SEND 
US  THE  REJECTION  NOTICE  DESCRIBED  BELOW,  THIS  PROVISION  WILL  APPLY  TO  YOUR 
ACCOUNT, AND MOST DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL 
ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY 
SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE 
LIMITED. THIS ARBITRATION OF DISPUTES PROVISION DOES NOT APPLY TO YOU IF, AS OF THE 
DATE OF THIS AGREEMENT, YOU ARE A MEMBER OF THE ARMED FORCES OR A DEPENDENT 
OF SUCH MEMBER ENTITLED TO PROTECTION UNDER THE FEDERAL MILITARY LENDING ACT. 
PLEASE SEE THE SECTION OF THIS AGREEMENT LABELED “MILITARY LENDING ACT.” IF YOU 
WOULD  LIKE  MORE  INFORMATION  ABOUT  WHETHER  YOU  ARE  ENTITLED  TO  PROTECTION 
UNDER THE FEDERAL MILITARY LENDING ACT, YOU MAY CONTACT US AT 1-866-502-6439. 
This provision replaces any existing arbitration provision with us and will stay in force no matter 
what happens to your Account, including the closing of your Account. 
Except as expressly provided below, you and we must arbitrate individually, by binding arbitration 
under the Federal Arbitration Act (“FAA”), any dispute or claim between you, on the one hand, and 
us, our affiliates and agents, on the other hand, if the dispute or claim arises out of or is related 
to (a) this Agreement (including without limitation, any dispute over the validity of this Agreement 
to  arbitrate  disputes  or  of  this  entire  Agreement),  or  (b)  your  Account,  or  (c)  any  relationship 
resulting from this Agreement, or (d) any insurance or other service related to your Account, or 
(e) any other agreement related to your Account (including prior agreements) or any such service, 
or (f) breach of this Agreement or any other such agreement, whether based on statute, contract, 
tort or any other legal theory (any “Claim”). However, we will not require you to arbitrate any 
individual Claims in small claims court or your state’s equivalent court, so long as it remains an 
individual case in that court. 
YOU  AGREE  NOT  TO  PARTICIPATE  IN  A  CLASS,  REPRESENTATIVE  OR  PRIVATE  ATTORNEY 
GENERAL ACTION AGAINST US IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS 
AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER OR “UNRELATED ACCOUNTHOLDER AND 
YOU  AGREE  THAT  NO  UNRELATED  ACCOUNTHOLDER  MAY  BRING  ANY  CLAIMS  AGAINST 
US  ON  YOUR  BEHALF.  CLAIMS  BY  YOU  AND  AN  UNRELATED  ACCOUNTHOLDER  MAY  NOT 
BE  JOINED  IN  A  SINGLE  ARBITRATION.  THE  ARBITRATOR  WILL  NOT  HAVE  THE  POWER  TO 
CONSIDER SUCH CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTIONS OR 
ANY SUCH CLAIMS YOU BRING ON BEHALF OF AN UNRELATED ACCOUNTHOLDER. 
Judgment on the arbitration award may be entered in any court having jurisdiction. Any dispute 
regarding  whether  a  particular  controversy  is  subject  to  arbitration,  or  the  applicability  or 
enforceability of the foregoing paragraph, will be decided by a court and not by an arbitrator. 
If you or we elect to arbitrate a claim, the electing party must notify the other party in writing. The 
notice can be given after the beginning of a lawsuit and can be given in papers filed in the lawsuit. 
Otherwise, your notice must be sent to Genesis FS Card Services, Attn: Arbitration Demand, P.O. 
Box 4477, Beaverton, Oregon 97076, and our notice must be sent to the most recent address 
for you in our files. The arbitration will be administered by the American Arbitration Association 
(the “AAA”) under its rules in effect at the time an arbitration is commenced that are applicable 
to the resolution of consumer disputes (the “Arbitration Rules”). We will tell you how to contact 
the AAA and how to get a copy of the Arbitration Rules without cost if you ask us in writing to do 
so. The Arbitration Rules permit you to request deferral or reduction of the administrative fees of 
arbitration if paying them would cause you a hardship. In addition, if you ask us in writing, we will
consider your request to pay any or all of your costs of arbitration. 
Each arbitrator shall be a licensed attorney who has been engaged in the private practice of law 
continuously during the ten years immediately preceding the arbitration or a retired judge of a 
court of general or appellate jurisdiction. The arbitration award shall award only such relief as a 
court of competent jurisdiction could properly award under applicable law, including attorneys’ 
fees if allowed by applicable law or agreement. All statutes of limitation, defenses, and attorney-
client and other privileges that would apply in a court proceeding will apply in the arbitration. 
If  any  provision  of  this  Section  regarding  arbitration  of  disputes  shall  be  deemed  to  be 
unenforceable,  the  remainder  of  this  Section  shall  be  given  full  force  and  effect.  However,  if 
the  provision  precluding  class,  representative  or  private  attorney  general  Claims  in  arbitration 
is deemed unenforceable, then this entire Arbitration Agreement shall be void and of no force 
and effect. 
You may reject this provision, in which case only a court may be used to resolve any dispute 
or  claim.  Rejection  will  not  affect  any  other  aspect  of  the  Account  Agreement.  To  reject  this 
Provision, you must send us a notice within 60 days after you open your Account or we first 
provide you with a right to reject this Provision. This notice must include your name, address and 
Account number and be mailed to Genesis FS Card Services, Attn: Arbitration Provision, P.O. Box 
4477, Beaverton, Oregon 97076. This is the only way you can reject this Provision. 

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your Statement, please write to us at: Genesis FS Card Services, 
P.O. Box 4499, Beaverton, OR 97076-4499. 
In your letter, give us the following information: 

•  Account information: Your name and Account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If you think there is an error on your bill, describe what you believe 

is wrong and why you believe it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your Statement. 
•  At least three (3) business days before an automated payment is scheduled, if you want to 

stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not 
required to investigate any potential errors, and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will 

also tell you if we have already corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you 

why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
•  The charge in question may remain on your Statement, and we may continue to charge you 

interest on that amount. 

•  While you do not have to pay the amount in question, you are responsible for the remainder 

of your balance. 

•  We can apply any unpaid amount against your Credit Limit. 
After we finish our investigation, one of two things will happen: 

•  If we made a mistake: You will not have to pay the amount in question or any interest or 

other fees related to that amount. 

•  If we do not believe there was a mistake: You will have to pay the amount in question, along 
with applicable interest and fees. We will then send you a Statement of the amount you owe 
and the date payment is due. We may then report you as delinquent if you do not pay the 
amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 
days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without 
also reporting that you are questioning your bill. We must tell you the name of anyone to whom 
we reported you as delinquent, and we must let those organizations know when the matter has 
been settled between us. If we do not follow all of the rules above, you do not have to pay the first 
$50 of the amount you question, even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card, 
and you have tried in good faith to correct the problem with the merchant, you may have the right 
not to pay the remaining amount due on the Purchase. To use this right, all of the following must 
be true: 

1.  The Purchase must have been made in your home state or within 100 miles of your current 

mailing address, and the Purchase price must have been more than $50. (Note: Neither of 
these are necessary if your Purchase was based on an advertisement we mailed to you, or 
if we own the company that sold you the goods or services.) 

2.  You  must  have  used  your  credit  card  for  the  Purchase.  Purchases  made with  cash 
advances from an ATM or with a check that accesses your credit card account do not 
qualify. 

3.  You must not yet have fully paid for the Purchase. 

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in 
writing at Genesis FS Card Services, P.O. Box 4499, Beaverton, OR 97076-4499. 
While we investigate, the same rules apply to the disputed amount as discussed above. After we 
finish our investigation, we will tell you our decision. At that point, if we think you owe an amount 
and you do not pay, we may report you as delinquent. 

Your Genesis Credit Account is issued by: 
The Bank of Missouri  
434 State Hwy Y 
St. Robert, MO 65584

F03-X868-0