1876Destiny� Mastercard� Cardholder Agreement
Dear Cardholder:This Agreement, as defined below, is your contract for your Account and:� Covers the terms that govern the use of your Account;� Outlines both your responsibilities and ours;� I n c l u d e st h eP r i c i n gI n f o r m a t i o na n do t h e rd i s c l o s u r e sr e q u i r e db yt h eF e d e r a lTruth in Lending Act;� Includes certain disclosures required by the Federal Military Lending Act;� I n c l u d e sa nA r b i t r a t i o no fD i s p u t e sP r o v i s i o nt h a tw i l ls u b s t a n t i a l l ya ff e c ty o u rrights unless you reject it; and� Contains important information about your Account.W ee n c o u r a g ey o ut or e a dt h eA g r e e m e n ta n dk e e pi tf o ry o u rr e c o r d s .P l e a s ef e e lf r e eto call us with any questions you may have. We look forward to serving you.
CARDHOLDER AGREEMENTThis Agreement contains the terms that govern the use of your Destiny Mastercard Account andoutlines both your responsibilities and ours. Please read it in its entirety and keep it for your ref-e r e n c e .I na d d i t i o n ,a n yw r i t t e na p p l i c a t i o n ,a c c e p t a n c ec e r t i fi c a t eo ro t h e rr e q u e s ty o us i g n e do rotherwise submitted for this Account (the �Application�), your Card and the Card Carrier that wesend with your Card, and your signature (including any electronic or digital signature) on any Appli-cation, sales slip or other evidence of indebtedness on your Account, are hereby incorporated intoand made a part of this Agreement. This Agreement begins on the earlier of (i) the date you sign oro t h e r w i s es u b m i ta nA p p l i c a t i o nt h a ti sa p p r o v e db yu s ,o r( i i )t h efi r s td a t et h a tw ee x t e n dc r e d i tto you on your Account, as evidenced by a signed sales slip or memorandum, a Cash Advancetransaction, or otherwise.Definitions. To simplify this Agreement for you, the definitions listed below will apply throughout,both in this Agreement and in your monthly Statements. In addition, the words you, your,andyours refer to the Cardholder(s) who holds the Card and is responsible for the Account, each of whomis individually and jointly obligated under this Agreement. The words we, us,andour refer to First Electronic Bank.Account: The credit card account for which you were issued a Card imprinted with your Accountnumber and that is subject to all of the terms and conditions of this Agreement.ATM: Automated Teller Machine.Billing Cycle: The time interval covered by a monthly Statement. Each Billing Cycle is approximate - ly 30 days in length; however, the specific period of time is described on each monthly Statement.Your Account will have a Billing Cycle even if a Statement is not required.Card: Any Destiny Mastercard issued by us that you may use to obtain a Cash Advance, makePurchases, or lease goods or services on credit. Use of your Account number to obtain credit willbe considered a use of the Card.Card Carrier: The carrier that contains your Card.Cardholder: The person to whom a Card is issued, or who has agreed to pay obligations arisingfrom a Card issued to another person.Cash Advance:C r e d i te x t e n d e dt oy o ui nt h ef o r mo fac a s hl o a nt h r o u g ha n yfi n a n c i a li n s t i t u t i o nhonoring the Card either presented directly or through any other credit instrument, check, device,overdraft coverage plan or ATM that we make available to you or that you use. All cash equivalenttransactions will be treated as Cash Advances and will be billed to the Cash Advance segment ofyour Account. Transactions that we view as �cash equivalent transactions� include without limita - tion using your Card to purchase wire transfer money orders, bets, lottery tickets, casino gamingchips, and other similar products and services.Closing Date: The date of the last day of a Billing Cycle.Credit Limit: The maximum amount of credit available to you on your Account. Your Credit Limit willbe disclosed on your Card Carrier and your monthly Statements.Purchase: Any extension of credit to your Account for the purpose of purchasing or leasing goodsor services from participating merchants.Statement: A monthly document we provide to you showing Account information including, amongother things, Purchase and Cash Advance transactions, credits and debits, payments, fees, andinterest charges made to your Account during a Billing Cycle.Purchases and Cash Advances. You may use your Card to purchase or lease goods or servicesfrom participating merchants. You may also use your Card to obtain Cash Advances from yourA c c o u n t  a t  a nA T M ,o rb yp r e s e n t i n gi tt oa n yi n s t i t u t i o nt h a ta c c e p t st h eC a r df o r  t h a tp u r p o s e .T h e r ea r ed o l l a rl i m i t a t i o n s  o ni n d i v i d u a l  C a s h  A d v a n c e  t r a n s a c t i o n s ,a n d  w e  m a ys e t  aC a s h  A d -v a n c eL i m i tf o ry o u rA c c o u n t .P l e a s ec o n t a c tu sf o ri n f o r m a t i o na b o u tt h eC a s hA d v a n c el i m i t a t i o n sA f t e rw efi n i s ho u ri n v e s t i g a t i o n ,o n eo ft w othings will happen:�If we made a mistake: You will not have top a yt h ea m o u n ti nq u e s t i o no ra n yi n t e r-est or other fees related to that amount.�If we do not believe there was a mistake:Y o uw i l lh a v et op a yt h ea m o u n ti nq u e s-tion, along with applicable interest andf e e s .W ew i l lt h e ns e n dy o uaS t a t e m e n tof the amount you owe and the date pay-ment is due. We may then report you asd e l i n q u e n ti fy o ud on o tp a yt h ea m o u n twe think you owe.If you receive our explanation but still believeyour bill is wrong, you must write to us within10 days telling us that you still refuse to pay. Ifyou do so, we cannot report you as delinquentw i t h o u ta l s or e p o r t i n gt h a ty o ua r eq u e s t i o n i n gyour bill. We must tell you the name of anyonet ow h o mw er e p o r t e dy o ua sd e l i n q u e n t ,a n dwe must let those organizations know whenthe matter has been settled between us. If wedo not follow all of the rules above, you do noth a v et op a yt h efi r s t$ 5 0o ft h ea m o u n ty o uquestion, even if your bill is correct.Y o u rR i g h t sI fY o uA r eD i s s a t i s fi e dW i t hYour Credit Card PurchasesI fy o ua r ed i s s a t i s fi e dw i t ht h eg o o d so rs e r - vices that you have purchased with your creditc a r d ,  a n dy o u  h a v et r i e di ng o o df a i t ht oc o r -rect the problem with the merchant, you mayhave the right not to pay the remaining amountdue on the Purchase. To use this right, all of thefollowing must be true:1. The Purchase must have been made iny o u r  h o m e  s t a t e  o r  w i t h i n  1 0 0  m i l e s  o fyour current mailing address, and thePurchase price must have been moret h a n$ 5 0 .( N o t e :N e i t h e ro ft h e s ea r en e c-essary if your Purchase was based onan advertisement we mailed to you, or ifwe own the company that sold you thegoods or services.)2. Y ou must have used your credit card forthe Purchase. Purchases made with cashadvances from an ATM or with a checkt h a t  a c c e s s e s  y o u r  c r e d i t  c a r d  a c c o u n tdo not qualify.3. You must not yet have fully paid for thePurchase.If all of the criteria above are met and you ares t i l ld i s s a t i s fi e dw i t ht h eP u r c h a s e ,c o n t a c tu sin writing a t  G e n e s i s  F S  C a r d  S e rv i c e s ,  P . O .B o x4 4 9 9 ,B e a v e r t o n ,O R9 7 0 7 6 - 4 4 9 9 .W h i l ew ei n v e s t i g a t e ,t h es a m er u l e sa p p l yt ot h ed i s p u t e d  a m o u n t  a s  d i s c u s s e d  a b o v e .  A f t e rw efi n i s ho u ri n v e s t i g a t i o n ,w ew i l lt e l ly o uo u rdecision. At that point, if we think you owe anamount and you do not pay, we may report youas delinquent.The Card Issuer:First Electronic Banks i x t y( 6 0 )d a y sa f t e ry o uo p e ny o u rA c c o u n to rw efi r s tp r o v i d ey o uw i t har i g h tt or e j e c tt h i sProvision. This notice must include your name,a d d r e s sa n dA c c o u n tN u m b e ra n db em a i l e dt o  G e n e s i s  F S  C a r d  S e r v i c e s ,  I n c . ,  A t t n :  A r -b i t r a t i o nP r o v i s i o n ,P . O .B o x4 4 7 7 ,B e a v e r t o n ,Oregon 97076. This is the only way you can re - ject this Provision.YOUR BILLING RIGHTS � KEEP THISNOTICE FOR FUTURE USEThis notice tells you about your rights and ourresponsibilities under the Fair Credit BillingAct.What To Do If You Think You Find A MistakeOn Your StatementIf you think there is an error on your Statement,please write to us at: Genesis FS Card Ser-v i c e s ,P . O .B o x4 4 9 9 ,B e a v e r t o n ,O R9 7 0 7 6 -4499.In your letter, give us the following information:�Account information: Your name and Ac-count number.�Dollar amount: The dollar amount of thesuspected error.�Description of problem:I fy o ut h i n kt h e r eis an error on your bill, describe what youbelieve is wrong and why you believe it isa mistake.You must contact us:� W i t h i n6 0d a y sa f t e rt h ee r r o ra p p e a r e don your Statement.� A tl e a s tt h r e e( 3 )b u s i n e s sd a y sb e f o r ea nautomated payment is scheduled, if youwant to stop payment on the amount youthink is wrong.You must notify us of any potential errors in writing. You may call us, but if you do we aren o tr e q u i r e dt oi n v e s t i g a t ea n yp o t e n t i a le r r o r s ,a n dy o um a yh a v et op a yt h ea m o u n ti nq u e s - tion.W h a tW i l lH a p p e nA f t e rW eR e c e i v eY o u rLetterW h e nw er e c e i v ey o u rl e t t e r ,w em u s td otwo things:1. Within 30 days of receiving your letter, wem u s t  t e l l  y o u  t h a t  w e  r ec e i v ed  y o u r  l e t -ter. We will also tell you if we have alreadycorrected the error.2 .W i t h i n9 0d a y so fr e c e i v i n gy o u rl e t t e r ,w em u s te i t h e rc o r r e c tt h ee r r o ro re x p l a i nt oyou why we believe the bill is correct.W h i l ew ei n v e s t i g a t ew h e t h e ro rn o tt h e r ehas been an error:� W ec a n n o tt r yt oc o l l e c tt h ea m o u n ti nq u e s t i o n ,o rr e p o r ty o ua sd e l i n q u e n to nthat amount.� T h ec h a r g ei nq u e s t i o nm a yr e m a i no nyour Statement, and we may continue tocharge you interest on that amount.� While you do not have to pay the amounti nq u e s t i o n ,y o ua r er e s p o n s i b l ef o rt h eremainder of your balance.� W ec a na p p l ya n yu n p a i da m o u n ta g a i n s tyour Credit Limit.E RM A YB R I N GA N YC L A I M SA G A I N S TU SO RA N YS E R V I C E RO FY O U RA C C O U N T ,I N - C L U D I N G ,B U TN O TL I M I T E DT O ,G E N E S I S ,O NY O U RB E H A L F .C L A I M SB YY O UA N DA NUNRELATED CARDHOLDER MAY NOT BEJOINED IN A SINGLE ARBITRATION. THE AR - B I T R A T O RW I L LN O TH A V ET H EP O W E RT OCONSIDER SUCH CLASS, REPRESENTATIVEO RP R I V A T EA T T O R N E YG E N E R A LA C T I O N SO RA N YS U C HC L A I M SY O UB R I N GO NB E - HALF OF AN UNRELATED CARDHOLDER.Judgment on the arbitration award may be en-tered in any court having jurisdiction. Any dis-p u t er e g a r d i n gw h e t h e rap a r t i c u l a r  c o n t r o v e r s yis subject to arbitration, or the applicability orenforceability of the foregoing paragraph, willbe decided by a court and not by an arbitrator.If you or we or any servicer of your Account,including, but not limited to, Genesis, elect toarbitrate a claim, the electing party must notifythe other party in writing. The notice can begiven after the beginning of a lawsuit and canb eg i v e ni np a p e r sfi l e di nt h el a w s u i t .O t h e r - wise, your notice must be sent to Genesis FSCard Services, Inc., Attn: Arbitration Demand,P . O .B o x4 4 7 7 ,B e a v e r t o n ,O r e g o n9 7 0 7 6 ,a n dour notice must be sent to the most recent ad-d r e s sf o ry o ui no u rfi l e s .T h ea r b i t r a t i o nw i l lb eadministered by the American Arbitration As-s o c i a t i o n( t h e� A A A � )u n d e ri t sr u l e si ne ff e c ta tthe time an arbitration is commenced that areapplicable to the resolution of consumer dis-p u t e s( t h e� A r b i t r a t i o nR u l e s � ) .W ew i l lt e l ly o uhow to contact the AAA and how to get a copyo ft h eA r b i t r a t i o nR u l e sw i t h o u tc o s ti fy o ua s ku si nw r i t i n gt od os o .T h eA r b i t r a t i o nR u l e sp e r m i ty o ut or e q u e s td e f e r r a lo rr e d u c t i o no fthe administrative fees of arbitration if payingthem would cause you a hardship. In addition,if you ask us in writing, we will consider yourr e q u e s tt op a ya n yo ra l lo fy o u rc o s t so fa r b i - tration.E a c h  a r b i t r a t o r  s h a l l  b e  a  l i c e n s e d  a t t o r n e ywho has been engaged in the private practiceo f  l a w  c o n t i n u o u s l y  d u r i n g  t h e  t e n  y e a r s  i m -mediately preceding the arbitration or a retiredjudge of a court of general or appellate juris-diction. The arbitration award shall award onlysuch relief as a court of competent jurisdictioncould properly award under applicable law, in-cluding attorneys� fees if allowed by applicablelaw or agreement. All statutes of limitation, de-f e n s e s ,a n da t t o r n e y - c l i e n ta n do t h e rp r i v i l e g -es that would apply in a court proceeding willapply in the arbitration.If any provision of this Section regarding arbi-tration of disputes shall be deemed to be un-enforceable, the remainder of this Section shallb eg i v e nf u l lf o r c ea n de ff e c t .H o w e v e r ,i ft h eprovision precluding class, representative orprivate attorney general Claims in arbitration isdeemed unenforceable, then this entire Arbi-tration Agreement shall be void and of no forceand effect.Y o u  m a y  r e j e c t  t h i s  p r o v i s i o n ,  i n  w h i c h  c a s eonly a court may be used to resolve any dis-p u t eo rc l a i m .R e j e c t i o nw i l ln o ta ff e c ta n yo t h e ra s p e c to ft h eA g r e e m e n t .T or e j e c tt h i sProvision, you must send us a notice withinU ST H ER E J E C T I O NN O T I C ED E S C R I B E DB E L O W ,T H I SP R O V I S I O NW I L LA P P L YT OY O U RA C C O U N T ,A N DM O S TD I S P U T E SB E - T W E E NY O U ,O NT H EO N EH A N D ,A N DU SO RA N YS E R V I C E RO FY O U RA C C O U N T ,I N - C L U D I N G ,B U TN O TL I M I T E DT O ,G E N E S I SF SC A R DS E R V I C E S ,I N C .( � G E N E S I S � ) ,O NT H EO T H E RH A N D ,  W I L LB E  S U B J E C TT O  I N - DIVIDUAL ARBITRATION. THIS MEANS THAT:( 1 )N E I T H E R  AC O U R TN O RA  J U R Y  W I L LR E - S O L V EA N YS U C HD I S P U T E ;( 2 )Y O UW I L LN O TB EA B L ET OP A R T I C I P A T EI NAC L A S SA C T I O NO RS I M I L A RP R O C E E D I N G ;( 3 )L E S SI N F O R M A T I O NW I L LB EA V A I L A B L E ;A N D( 4 )A P P E A LR I G H T SW I L LB EL I M I T E D .T H I SA R - BITRATION OF DISPUTES PROVISION DOESN O TA P P L YT OY O UI F ,A SO FT H ED A T EO FT H I SA G R E E M E N T ,Y O UA R EAM E M B E RO FT H EA R M E DF O R C E SO RAD E P E N D E N TO FSUCH MEMBER ENTITLED TO PROTECTIONUNDER THE FEDERAL MILITARY LENDINGA C T .P L E A S ES E ET H ES E C T I O NO FT H I SAGREEMENT LABELED �MILITARY LENDINGA C T . �I FY O UW O U L DL I K EM O R EI N F O R M A - TION ABOUT WHETHER YOU ARE ENTITLEDT OP R O T E C T I O NU N D E RT H EF E D E R A LM I L - I T A R YL E N D I N GA C T ,Y O UM A YC O N T A C TU SAT 1-800-583-5698.T h i sp r o v i s i o nr e p l a c e sa n ye x i s t i n ga r b i t r a - tion provision with us and will stay in forceno matter what happens to your Account, in-c l u d i n gt h ec l o s i n go fy o u rA c c o u n t .E x c e p ta se x p r e s s l yp r o v i d e db e l o w ,y o um u s ta r b i t r a t eindividually, by binding arbitration under theF e d e r a lA r b i t r a t i o nA c t( � F A A � ) ,a n yd i s p u t eo rclaim between you, any joint Cardholder and/or Authorized User, on the one hand, and us ,o u ra ffi l i a t e s ,a n da g e n t s ,a n d / o ra n ys e r v i c e ro fy o u rA c c o u n t ,i n c l u d i n g ,b u tn o tl i m i t e dto, Genesis, on the other hand, if the disputeor claim arises out of or is related to (a) thisAgreement (including without limitation, anydispute over the validity of this Agreement toarbitrate disputes or of this entire Agreement),or (b) your Account, or (c) any relationship re-s u l t i n g  f r o mt h i sA g r e e m e n t ,  o r( d )a n yi n s u r -ance or other service related to your Account,or (e) any other agreement related to your Ac-count (including prior agreements) or any suchservice, or (f) breach of this Agreement or anyother such agreement, whether based on stat-u t e ,c o n t r a c t ,t o r to ra n yo t h e rl e g a lt h e o r y( a n y� C l a i m � ) .H o w e v e r ,w ew i l ln o tr e q u i r ey o ut oarbitrate any individual Claims in small claimsc o u r to ry o u rs t a t e � se q u i v a l e n tc o u r t ,s ol o n gas it remains an individual case in that court.Y O UA G R E EN O TT OP A R T I C I P A T EI NAC L A S S ,R E P R E S E N T A T I V EO RP R I V A T EA T - T O R N E YG E N E R A LA C T I O NA G A I N S TU SOR ANY SERVICER OF YOUR ACCOUNT,I N C L U D I N G ,B U TN O TL I M I T E DT O ,G E N - E S I S ,I NC O U R TO RA R B I T R A T I O N .A L S O ,Y O UM A YN O TB R I N GC L A I M SA G A I N S TU SO RA N YS E R V I C E RO FY O U RA C C O U N T ,I N - C L U D I N G ,B U TN O TL I M I T E DT OG E N E S I S ,O NB E H A L FO FA N YC A R D H O L D E RW H OI SN O TAJ O I N TC A R D H O L D E RW I T HY O UO RAN AUTHORIZED USER ON YOUR ACCOUNT(AN �UNRELATED CARDHOLDER�), AND YOUA G R E ET H A TN OU N R E L A T E DC A R D H O L D -Dollars, Mastercard International Incorporated(�Mastercard�) will convert the charge into aU.S. Dollar amount. Mastercard will act in ac-cordance with its operating regulations or con-version procedures in effect at the time that thetransaction is processed. Currently, the curren-cy conversion rate used by Mastercard to de-termine the transaction amount in U.S. Dollarsfor such transactions is generally either a gov-ernment mandated rate or a wholesale rate de-termined by Mastercard for the processing cy-cle in which the transaction is processed. Thecurrency conversion rate used by Mastercardon the processing date may differ from the ratethat would have been used on the Purchasedate or monthly Statement posting date. Wewill also assess a Foreign Currency ConversionF e ei n t e r e s tc h a r g ea sd e s c r i b e di nt h e� H o wInterest Charges are Determined� section.Honoring Your Card. We are not responsibleif anyone refuses to accept your Card or Ac-count for any reason. Although you may havecredit available, we may decline any transac-tion for any reason. We are not liable for anyrefusal to honor your Card or Account.From time to time, due to circumstances be-yond our control (such as system failures, nat-ural disasters, or other unpredictable events),o u rs e r v i c e sm a yn o tb ea v a i l a b l e .W h e nt h i shappens, you may be unable to use your Cardo ro b t a i ni n f o r m a t i o na b o u ty o u rA c c o u n t .W ewill not be responsible or liable if this happens.Change of Address, Employment and Tele - phone. W e  w i l l  s e n d  a l l  w r i t t e n  n o t i c e s  a n dStatements to your address as it appears onour records. To avoid delays and missed pay-ments that could affect your credit standing,y o ua g r e et o  p r o m p t l ya d v i s eu s  i fy o uc h a n g eyour mailing address, place of employment, ortelephone number.Severability. In the event that any provision ofthis Agreement is determined to be invalid orunenforceable for any reason, the remainingprovisions will remain in effect.Entire Agreement; Interpretation. T h i sAgreement (including other documents incor -p o r a t e d  h e r e i n  b y  r e f e r e n c e )  c o n s t i t u t e s  t h efi n a le x p r e s s i o no ft h ec r e d i ta g r e e m e n tb e - tween you and us relating to your Account.The headings used in this Agreement are forthe convenience of reference only and are noti n t e n d e dt od e fi n eo rd e s c r i b et h es c o p eo ri n - tent of any portion of the Agreement.Governing Law. Except as expressly set forthin the Arbitration of Disputes section, thisAgreement and the interpretation and enforce-ment thereof (including but not limit ed t o thee x p o r t a t i o no fi n t e r e s tr a t e s )w i l lb eg o v e r n e dby Federal law that applies to us, and to the ex - tent not preempted by Federal law, the laws oft h eS t a t eo fU t a h ,w i t h o u tr e g a r dt oi t sc o n fl i c t sof law provisions and principles. If there is anyc o n fl i c tb e t w e e na n yo ft h et e r m sa n dc o n d i - tions of this Agreement and applicable Federalor State law, this Agreement will be consideredc h a n g e dt ot h ee x t e n tn e c e s s a r yt oc o m p l ywith the applicable law.Arbitration of Disputes Provision.PLEASER E A DT H I SA R B I T R A T I O NO FD I S P U T E SPROVISION CAREFULLY. UNLESS YOU SENDaddition, you will remain liable until you recoverpossession of the Card. Misuse of your Cardby an authorized person will not be consideredu n a u t h o r i z e du s e .S e e� L o s tC a r d sa n dU n a u - thorized Use� above. Upon demand, you mustimmediately return any Card we supply to youor destroy the Card by cutting it in half.Transactions. You will retain for Statement ver-i fi c a t i o ny o u rc o p yo fe a c hP u r c h a s es l i p ,C a s hAdvance or other transaction to your Account.Transfer of Your Account. You may not trans-fer your Account to any other person. We mayassign your Account or amounts owing underyour Account to any other person at any timeand the assignee will take our place under theAgreement with respect to all agreements andinterests transferred. You must pay the assign-ee and otherwise perform your obligations un-der the assigned agreements and interests.C l o s i n go rS u s p e n d i n gY o u rA c c o u n t .  W e may close or suspend your Account or youra b i l i t yt oo b t a i nc r e d i to ny o u rA c c o u n t ,o rboth, at any time, for any reason permitted bylaw and with or without advance notice.You may close your Account at any time bycontacting us. The closure of Account will notb e c o m ee ff e c t i v eu n t i ly o uh a v er e t u r n e dt ou sa l lo ft h eC a r d sw eh a v eg i v e ny o u .I fy o uh a v ea joint Account and want to remove one of thenames from the Account, we must receive aw r i t t e nr e q u e s ts i g n e db yb o t ho ft h eC a r d - holders on the Account and all Cards must bereturned upon request. No party is releasedfrom the obligation for the balance owing on ajoint Account, unless we agree to the arrange-ments in writing. You may have to reapply for anew Card for an individual Account when your e q u e s tac h a n g ef r o maj o i n tA c c o u n tt oa nindividual Account.If your Account is closed or suspended for anyr e a s o n ,  y o u  m u s t  s t o p  u s i n g  y o u r  C a r d .  Y o umust also cancel all billing arrangements to theAccount. We will not do this for you. If we closeo r  p e r m a n e n t l y  s u s p e n d  y o u r  A c c o u n t ,  y o umust also return all Cards to us. You must stillpay us all amounts you owe on the Account,even if they are charged after your Account isclosed or suspended.Additional Benefits and Services. From timet ot i m e ,w em a yo ff e ry o ub e n e fi t sa n ds e r v i c e sw i t hy o u rA c c o u n t .T h e s eb e n e fi t sa n ds e r v i c e smay be provided by us or third parties. Unlesse x p r e s s l ym a d eap a r to ft h i sA g r e e m e n t ,a n de x c e p ta sp r o v i d e di nt h eA r b i t r a t i o no fD i s - putes section below, any such benefits andservices are not a part of this Agreement, andare subject only to the terms and conditionsoutlined in the benefits or services brochurea n do t h e ro ffi c i a ld o c u m e n t sp r o v i d e dt oy o uw i t hr e s p e c tt ot h eb e n e fi t sa n ds e r v i c e s .W emay adjust, add, or delete benefits or servicesat any time in accordance with the brochureso rd o c u m e n t sy o ur e c e i v e .E x c e p ta sr e q u i r e dby applicable law, we are not liable for benefitsor services provided by third parties or the ac-tions or omissions of those third parties.Foreign Currency Conversion. Payment mustbe made in U.S. Dollars for charges you incurin any other currency. If you effect a transactionwith your Card in a currency other than U.S.M-134158
13541961_1_M-134158.indd  1 6/29/21   10:10 AM 54 32C r e d i tR e p o r t sa n dI n f o r m a t i o n .You au-thorize us to make or have made any credit,employment, or other investigative inquiriesw ed e e ma p p r o p r i a t et oe x t e n dy o uc r e d i to rcollect amounts owed to us on your Account.We (including any assignee of the Account oramounts owing under the Account) may alsoobtain information about you from credit re-porting agencies or others at any time and useit for the purposes of monitoring your cred-it performance, managing your Account andconsidering you for new offers and programs.Notice of Inaccurate Information. If you be-lieve that we have information about you thatis inaccurate or that we have reported or mayr e p o r t  t oac r e d i t  r e p o r t i n ga g e n c yi n f o r m a t i o nabout you that is inaccurate, please notify uso ft h es p e c i fi ci n f o r m a t i o nt h a ty o ub e l i e v ei sinaccurate by writing to us at Genesis FS CardServices, P.O. Box 4499, Beaverton, OR 97076.Default and Collection.Unless prohibited byapplicable law, your Account is considered tob ei nd e f a u l ti f( 1 )y o uf a i lt om a k et h er e q u i r e dMonthly Minimum Payment on or before thePayment Due Date, including if your paymentis returned or cannot be processed and you donot correct that failure within 31 days, (2) yout r yt oe x c e e do rd oe x c e e dy o u rC r e d i tL i m i twithout permission and do not bring your Ac-c o u n tb a c ku n d e ry o u rC r e d i tL i m i tw i t h i n3 1days, (3) you become subject to bankruptcy orinsolvency proceedings, (4) you become sub - ject to attachment or garnishment proceed-i n g s ,( 5 )y o ug i v eu sa n yf a l s ei n f o r m a t i o no rsignature, (6) you die, or (7) you fail to com-ply with any portion of this Agreement. Ouraccepting a late or partial payment does notw a i v ed e f a u l t .  D e f a u l to n  t h i s  A c c o u n tw i l lc o n -stitute default on all accounts you hold withus. Subject to any notice of default and rightto cure or other restrictions of applicable law,if  y ou  are  in  default,  w e  ma y  declare  the  en-tire balance due immediately. You agree to payour reasonable costs and attorneys� fees ande x p e n s e sr e l a t e dt ot h ec o l l e c t i o no fy o u rA c - c o u n t ,a n dr e t r i e v i n gy o u rC a r d ,t ot h ee x t e n tpermitted by applicable laws.C h a n g eo fT e r m s .S u b j e c tt ot h el i m i t a - t i o n so fa p p l i c a b l el a w ,w em a y ,a ta n yt i m e ,c h a n g eo rr e m o v ea n yo ft h et e r m sa n dc o n d i t i o n so f ,o ra d dn e wt e r m so rc o n - d i t i o n st o ,t h i sA g r e e m e n t .I fr e q u i r e db ya p p l i c a b l el a w ,w ew i l lm a i lw r i t t e nn o t i c eo fs u c hac h a n g et oy o ui nt h em a n n e rr e - q u i r e db ys u c hl a w .A so ft h ee ff e c t i v ed a t e ,t h ec h a n g e do rn e wt e r m sw i l la p p l yt on e wPurchases and Cash Advances and also tot h eo u t s t a n d i n gb a l a n c eo fy o u rA c c o u n t ,subject to the limitations of applicable law.Delay in Enforcement. We can delay enforc-ing our rights under this Agreement withoutlosing them.OTHER PROVISIONSO w n e r s h i pa n dU s eo fY o u rC a r d . A s  t h eC a r d h o l d e r ,y o ua r el i a b l e  f o ra l lc r e d i to b -tained under your Account. If you authorizeanother person to use your Card, you are li-able for any credit obtained on your Accountf o ra sl o n ga st h a tp e r s o nh o l d st h eC a r d .I nat any number that you later provide (includ-ing, without limitation, after your Account is ina default status), or at any other number that isi d e n t i fi e da sr e l a t e dt oy o u ,i n c l u d i n gb yt e x tmessage, and (ii) use automated telephone di-aling systems to initiate such contacts and/orleave recorded messages.I fy o up r o v i d eu sa ta n yt i m ew i t ha ne m a i lc o n -tact for your Account, you agree we may uset h a te m a i la d d r e s st o  c o n t a c ty o u  a b o u ty o u rAccount and may send you information aboutproducts and services related to your Account.We or our representatives may contact youfrom time to time regarding the Account, orto ask for additional information about you ory o u re x p e r i e n c ew i t hu s .Y o ua g r e et h a ts u c hc o n t a c t sa r en o tu n s o l i c i t e da n dm a yi n c l u d econtacts at your home or place of employment,during weekdays, weekends or holidays, onyour mobile telephone, voicemail or answeringm a c h i n e ,o rb ye m a i l ,f a x ,r e c o r d e dm e s s a g e ,text message or personal visit.H o wt oR e v o k eC o n s e n tf o rF u t u r eC o m - munications:I fy o uw a n tt or e v o k ey o u rc o n -sent to future communications as describedin the previous paragraph, you must send usa written notice that includes: (i) your name,mailing address, and Account number(s); (ii)the specific telephone number(s), email ad - dress(es) and/or mailing address(es) at whichyou no longer wish us to contact you, and (iii)the types of communications (telephone, text,email, and/or mail) for which you are revokingconsent. You must send this written notice to:Genesis FS Card Services, P.O. Box 4477, Bea - v e r t o n ,O R9 7 0 7 6 .Y o uu n d e r s t a n da n da g r e ethat it may take up to three business days afterreceipt of your written notice to process yourr e q u e s t ,a n dt h a ty o uc o n s e n tt oc o n t i n u e dcommunications during this period of time.OUR RIGHTS AND HOW THEYAFFECT YOUMerchant Refunds. I f  a  m e r c h a n t  a g r e e s  t ogive you a refund for goods or services pur-c h a s e d  w i t h  y o u r  C a r d  o r  A c c o u n t ,  y o u  w i l laccept a credit on your Account instead of acash  refund .  W e  do  no t  control  when  a  mer -chant sends us your refund and we will havea reasonable amount of time after we receiveyour refund to process it.N oW a i v e ro fR i g h t s ;D i s p u t e dA m o u n t s .W ec a na c c e p tl a t eo rp a r t i a lp a y m e n t sw i t h o u tl o s i n ga n yo fo u rr i g h t su n d e rt h i sA g r e e - m e n t .Y o ua g r e en o tt os e n du sp a r t i a lp a y m e n t sm a r k e d� p a i di nf u l l , �� w i t h o u tr e c o u r s e , �o rs i m i l a rl a n g u a g e .I fy o us e n ds u c hap a y m e n t ,w em a ya c c e p ti tw i t h o u tl o s i n ga n yo fo u rr i g h t su n d e rt h i sA g r e e - ment. All written communications concern - ing disputed amounts, including any checkor other payment instrument that indicatedthat the payment constitutes �payment inf u l l �o ft h ea m o u n to w e do rt h a ti st e n d e r e dw i t ho t h e rc o n d i t i o n so rl i m i t a t i o n so ra sf u l ls a t i s f a c t i o no fad i s p u t e da m o u n t ,m u s tb em a i l e do rd e l i v e r e dt oG e n e s i sF SC a r dS e r v i c e s ,P . O .B o x4 4 9 9 ,B e a v e r t o n ,O r e g o n97076.F e eo f$ 1 0p e rs a l e st i c k e to ro t h e ri t e m ,w h i c hw i l lb ea p p l i e dt oy o u rA c c o u n t .N o t w i t h s t a n d - ing the foregoing, we will not impose any fee inconnection with a good faith assertion of a bill-i n ge r r o ro ro t h e re x e r c i s eo fy o u rB i l l i n gR i g h t s( s e eb e l o wu n d e r� Y o u rB i l l i n gR i g h t s-K e e pThis Notice for Future Use�).MILITARY LENDING ACTT h eM i l i t a r yL e n d i n gA c tp r o v i d e sp r o t e c t i o n sfor Covered Borrowers. The provisions of thissection apply to Covered Borrowers. If youwould like more information about whether youare a Covered Borrower, you may contact us at1-800-583-5698.Statement of MAPR. Federal law provides im-portant protections to members of the ArmedForces and their dependents relating to exten - sions of consumer credit. In general, the costof consumer credit to a member of the ArmedF o r c e sa n dh i so rh e rd e p e n d e n tm a yn o te x - c e e da nA n n u a lP e r c e n t a g eR a t eo f3 6 % .T h i srate must include, as applicable to the creditt r a n s a c t i o no ra c c o u n t :( 1 )t h ec o s t sa s s o c i -ated with credit insurance premiums; (2) feesfor ancillary products sold in connection witht h ec r e d i tt r a n s a c t i o n ;( 3 )a n ya p p l i c a t i o nf e echarged (other than certain application fees forspecified credit transactions or accounts); and( 4 )a n yp a r t i c i p a t i o nf e ec h a r g e d( o t h e rt h a ncertain participation fees for a credit card ac-count).Oral Disclosures. In order to hear importantd i s c l o s u r e s  a n d  p a y m e n t  i n f o r m a t i o n  a b o u tthis Agreement, you may call 1-800-290-6421.Applicability of Arbitration of Disputes Pro - vision. The Arbitration of Disputes Provisionset forth in this Agreement does not apply toCovered Borrowers.LOST CARDS AND UNAUTHORIZED USEYou will take reasonable steps to prevent theunauthorized use of your Card and Account. Ifyour Card is lost or stolen or if someone elsemight be using it without your permission, youm u s tt e l lu sa to n c e .Y o um a yt e l lu sb y  c a l l -ing the telephone number on the back of yourCard or on your Statement or by writing us atthe address on your Statement. You will not beresponsible for the charges made to your Ac-count that are found by us to be unauthorized.I fw er e i m b u r s ey o u rA c c o u n tf o ru n a u t h o r i z e dc h a r g e s  m a d e  u s i n g  y o u r  C a r d  o r  A c c o u n t ,y o uw i l lh e l pu si n v e s t i g a t e ,p u r s u e ,a n dg e treimbursement from the wrongdoer. Your helpincludes giving us documents that we ask forand are acceptable to us.COMMUNICATIONSTelephone Monitoring and Recording;Communications. Y o u  c o n s e n t  a n d  a g r e et h a t ,e x c e p ta sr e s t r i c t e db ya p p l i c a b l el a w ,we may monitor and/or record telephone callsregarding your Account, suppress caller iden-tification services, use prerecorded messages,and use an automated telephone dialing anda n n o u n c i n gs y s t e m .Y o ue x p r e s s l yc o n s e n tthat we and our agents, any servicer, or anys u b s e q u e n to w n e ro fy o u rA c c o u n tm a y( i )contact you at any cellular telephone numberthat you provided as part of your application,Annual Fee. We will charge an initial AnnualFee to your Account on or about the date yourAccount is opened and then a renewal AnnualFee on or about each anniversary of that date.The initial Annual Fee is nonrefundable; the re-newal Annual Fee is also nonrefundable unlessyou notify us to cancel your Account within 30days from the mailing date of the billing State-ment or other communication containing therenewal Annual Fee notice. If your Account hasan initial and renewal Annual Fee, see the Pric-ing Information for the amount of the Fee.Monthly Fee. We will charge a Monthly Fee toyour Account at the close of each Billing Cycleu n l e s sy o u  n o t i f yu s  t oc a n c e ly o u rA c c o u n t .Your payment of the Monthly Fee does not inany way limit any of our rights or remedies un-d e rt h i sA g r e e m e n t ,i nl a w ,o ri ne q u i t y ,i n c l u d - ing without limitation, our right to close yourAccount or limit transactions on your Accountpursuant to this Agreement. If your Accounthas a Monthly Fee, see the Pricing Informationfor the amount of the Fee.Late Fee. I f  w e  d o  n o t  r e c e i v e  y o u r  M o n t h l yMinimum Payment by the Closing Date of theBilling Cycle in which the Payment Due Dateoccurs and the amount past due on your Ac-count is more than $9.99, we will charge a LateFee to your Account. The Late Fee will never ex - ceed the amount of your most recently requiredMonthly Minimum Payment. See the Pricing In-formation for the amount of the Late Fee.Minimum Interest Charge Fee. If the periodicinterest charge amounts computed in the How Interest Charges Are Determinedsectionare an amount less than $1, then a Minimum In - t e r e s tC h a r g eF e eo f$ 1w i l lb ec h a r g e di n s t e a dof such smaller amounts and will be treated asa fee on your billing statement and added toyour Purchases at our discretion.R e t u r n e dP a y m e n tF e e . I fa n y  p a y m e n to nyour Account is returned to us unpaid for anyr e a s o n ,w ew i l lc h a r g eaR e t u r n e dP a y m e n tF e et oy o u rA c c o u n t .T h eR e t u r n e dP a y m e n tFee will never exceed the amount of your mostrecently required Monthly Minimum Payment.S e et h e  P r i c i n g  I n f o r m a t i o nf o r  t h e  a m o u n to fthe Returned Payment Fee.Overlimit Fee. If you elected to have overlim-it coverage, we may charge an Overlimit Feewhen a transaction causes you to go over orr e m a i no v e ry o u rC r e d i tL i m i td u r i n ga n yB i l l - ing Cycle. We may also charge you two addi-t i o n a lO v e r l i m i tF e e si fy o u rN e wB a l a n c er e - m a i n so v e ry o u rC r e d i tL i m i ta so ft h eP a y m e n tDue Date in future Billing Cycles. We will onlyc h a r g ey o uo n eO v e r l i m i tF e ep e rB i l l i n gC y c l e ,e v e ni fy o ug oo v e ry o u rC r e d i tL i m i tm u l t i p l etimes in the same Billing Cycle. The OverlimitF e ew i l ln e v e re x c e e dt h em a x i m u ma m o u n ty o ua r eo v e ry o u rC r e d i tL i m i td u r i n gt h eB i l l - ing Cycle. See the Pricing Information for theamount of the Overlimit Fee.Documentation Fee.Y o um a yr e q u e s tac o p y  o f  a  S t a t e m e n t  p r e v i o u s l y  s e n t  t o  y o uf o raD o c u m e n t a t i o nF e eo f$ 3p e rS t a t e m e n t ,which will be applied to your Account. Copiesof sales tickets or other items posted to yourAccount may be obtained for a Documentation2 .I fy o uh a daN e wB a l a n c ea tt h eb e g i n -ning of your previous Billing Cycle andy o ud i dn o tp a yt h a tN e wB a l a n c eb yt h ePayment Due Date during that previousBilling Cycle, then we will not assess in-terest charges on any Purchases duringthe current Billing Cycle if you pay theNew Balance at the beginning of yourcurrent Billing Cycle by the Payment DueDate in your current Billing Cycle.P e r i o d i ci n t e r e s tc h a r g e so nC a s hA d v a n c e swill be imposed at the applicable Monthly Pe-r i o d i cR a t ef r o mt h ed a t ee a c hC a s hA d v a n c eis made and will continue to accrue on unpaidbalances as long as they remain unpaid. Thereis no grace period on Cash Advances andthere is no period within which to pay to avoidinterest charges on Cash Advances.Calculating the Purchase and Cash Ad - vance Balance Subject to Interest ChargesA v e r a g eD a i l yB a l a n c eo fP u r c h a s e s( i n - c l u d i n gn e wP u r c h a s e s ) : To get the AverageDaily Balance of Purchases, we take the begin-ning Purchase balance of your Account eachday, including unpaid fees, interest charges onP u r c h a s e s  a n d  F o r e i g n  C u r r e n c y  C o n v e r s i o nFees on Purchases, add any new Purchasesand new fees as of the date of transaction, andsubtract the applicable portion of any pay-ments and credits as of the transaction date.O nt h efi r s td a yo faB i l l i n gC y c l e ,w ea l s oa d da n yu n p a i dL a t eF e e sa n dO v e r l i m i tF e e s .T h i sgives us the daily balance for Purchases. Thenwe add all these daily balances for the BillingCycle together and divide the total by the num-ber of days in the Billing Cycle. This gives usthe Average Daily Balance of Purchases.A v e r a g eD a i l yB a l a n c eo fC a s hA d v a n c e s(including new Cash Advances): T o get theAverage Daily Balance of Cash Advances, wetake the beginning Cash Advance balance ofyour Account each day, including unpaid in-terest charges on Cash Advances and ForeignCurrency Conversion Fees on Cash Advances,add any new Cash Advances as of the date oftransaction, add the Cash Advance Transac-tion Fee on any Cash Advances as of the trans-action date of each Cash Advance, and sub-t r a c tt h ea p p l i c a b l ep o r t i o no fa n yp a y m e n t sand credits as of the transaction date. Thisgives us the daily balance for Cash Advances.Then we add all these daily balances for theBilling Cycle together and divide the total bythe number of days in the Billing Cycle. Thisgives us the Average Daily Balance of CashAdvances.Computing the Purchase and Cash Ad - vance Balance Monthly Periodic Rates andCorresponding Annual Percentage Rates(APR)Monthly Periodic Rates: The Monthly Period-i cR a t ei sc a l c u l a t e db yd i v i d i n gt h eA P Rb y1 2 .S e et h eP r i c i n gI n f o r m a t i o nf o rt h eA P R sa n dMonthly Periodic Rates.OTHER FEESIn addition to interest charges, a variety of feesmay be applied to your Account, as set forthbelow.of your Monthly Minimum Payment in a mannermost favorable or convenient for us.F o re a c hB i l l i n gC y c l e ,t ot h ee x t e n ty o u rp a y - ments exceed your Monthly Minimum Pay - m e n t ,w ew i l la p p l yt h e s ee x c e s sa m o u n t si nthe order required by applicable law.HOW INTEREST CHARGES AREDETERMINEDY o u ri n t e r e s t  c h a r g ef o ra n y  B i l l i n gC y c l e  w i l linclude the following components, the total ofwhich constitutes your total interest charge forthe Billing Cycle:1. A Cash Advance Transaction Fee im-posed on each Cash Advance transac-tion posted during a Billing Cycle, in ana m o u n te q u a lt ot h eg r e a t e ro f$ 5o r5 %of the amount of each Cash Advance,n o tt oe x c e e d$ 1 0 0 .A n yu n p a i dC a s hAdvance Transaction Fee will be addedt ot h ec a l c u l a t i o no fy o u rA v e r a g eD a i l yBalance of Cash Advances.2. Periodic interest charge computed byapplying the applicable Monthly PeriodicRate or Rates, determined as providedbelow underComputing the Purchaseand Cash Advance Balance Month-l yP e r i o d i cR a t e sa n dC o r r e s p o n d i n gAnnual Percentage Rates (APR)to:a .y o u r  A v e r a g e  D a i l y  B a l a n c e  o f  C a s hAdvances (including new Cash Ad-vances); andb. your Average Daily Balance of Pur-chases (including new Purchases).H o w e v e r ,i ft h et o t a lo ft h ea m o u n t ss oc o m p u t e di sa na m o u n tl e s st h a n$ 1 ,then a Minimum Interest Charge Fee of$1 will be imposed instead of such small-er amounts.3. A Foreign Currency Conversion Fee ina na m o u n te q u a lt o1 %o ft h ec o n v e r t e dU . S .  d o l l a r  a m o u n t  o f  e a c h  t r a n s a c t i o n ,including Cash Advances and Purchas-e s ,t h a ti se ff e c t e di na n yc u r r e n c yo t h e rthan U.S. dollars.When Interest Charges Begin to Accrue.  In- terest charges on Purchases will be imposed att h ea p p l i c a b l eM o n t h l yP e r i o d i cR a t ef r o mt h edate each Purchase is made, and will continueto accrue on unpaid balances as long as theyr e m a i nu n p a i d .H o w e v e r ,w ed on o ta s s e s si n - terest charges in the following circumstances:1 .I fy o up a i dt h eN e wB a l a n c ea tt h eb e g i n -n i n go fy o u rp r e v i o u sB i l l i n gC y c l eb yt h eP a y m e n t  D u eD a t ed u r i n g  t h ep r e v i o u sB i l l i n gC y c l e ,o ri ft h a tN e wB a l a n c ew a s$0 or a credit balance, then:a . i fy o up a yt h eN e wB a l a n c eo ny o u rc u r r e n t  S t a t e m e n t  i n  f u l l  b y  t h e  P a y -ment Due Date in your current Bill-i n gC y c l e ,w ew i l ln o ta s s e s si n t e r e s tcharges on Purchases during your cur-rent Billing Cycle; andb. if you make a payment that is less thant h eN e wB a l a n c eb yt h eP a y m e n tD u eDate in your current Billing Cycle, wew i l lc r e d i tt h a tp a y m e n ta so ft h efi r s tday in your current Billing Cycle.est dollar. If you elect not to pay your New Bal - ance in full, you must pay at least the MonthlyMinimum Payment by the Payment Due Dates h o w no ny o u rS t a t e m e n t ,w h i c hi sa tl e a s t2 5days after the Closing Date of the Billing Cy-c l e .Y o u r  M o n t h l yM i n i m u m  P a y m e n t  a l s ow i l linclude any past due amounts. If your New Bal - a n c ei sl e s st h a no re q u a l  t o  y o u rM o n t h l yM i n - imum Payment, then your Monthly MinimumPayment will be equal to your New Balance.Payments should be mailed with the paymentcoupon and in the envelope provided and fol-lowing the other instructions on the Statementt oG e n e s i sF SC a r dS e r v i c e s ,P . O .B o x2 3 0 3 0 ,C o l u m b u s ,G A3 1 9 0 2 - 3 0 3 0 .A n yp a y m e n tr e - ceived in that form and at that address on orb e f o r e5 : 0 0P . M . ,E a s t e r nT i m e ,o nan o r m a lbanking day will be credited to your Accountt h a td a y .I fy o u rp a y m e n ti sr e c e i v e di nt h a tform and at that address after 5:00 P.M., East - ern Time, on a normal banking day, or any timeon a non-banking day, we will credit it to yourA c c o u n tt h en e x tb a n k i n gd a y .H o w e v e r ,i fy o u rPayment Due Date occurs on a non-bankingd a y ,a n yp a y m e n tr e c e i v e dt h en e x td a yw h i c hc o n f o r m st ot h ea b o v er e q u i r e m e n t sw i l ln o tb etreated as late. Please allow at least seven (7)business days for postal delivery. Paymentsreceived by us at any other location or in anyother form may not be credited as of the daywe receive them.If we accept a payment at a place other thanthe address in the immediately precedingparagraph, we may delay the crediting of thep a y m e n tf o ru pt ofi v e( 5 )d a y s .T h i sm a yc a u s ey o ut oi n c u rL a t eF e e sa n da d d i t i o n a li n t e r e s tcharges, and may result in your Account beingdeclared in default.We do not accept cash payments through themail. Y ou may not make payments with fundsfrom your Account or any other credit accountissued by us.When you provide a check as payment, youa u t h o r i z eu se i t h e rt ou s ei n f o r m a t i o nf r o myour check to make a one-time electronic fundtransf er  from  y our  account  or  t o  process  thepayment as a check transaction. When we useinformation from your check to make an elec-t r o n i c  f u n dt r a n s f e r ,f u n d sm a y  b ew i t h d r a w nfrom your account as soon as the same day wer e c e i v ey o u rp a y m e n ta n dy o uw i l ln o tr e c e i v ey o u rc h e c kb a c kf r o my o u rfi n a n c i a li n s t i t u t i o n .At any time, you may pay part or all of the fullamount you owe without incurring any addi-tional charge for prepayment. The amounto fa n yp a y m e n tt h a te x c e e d sy o u rt o t a lN e wBalance will be applied as a credit to your Ac-count, and any remaining credit balance will berefunded as required by law.Credit availability may be delayed at our soled i s c r e t i o n  t o  e n s u r e  p a y m e n t  i n  g o o d  f u n d s .Your available credit on your Credit Limit maynot reflect your payments for up to 14 days.Application of Payments. For each Billing Cy-cle, payments up to the amount of your Month-ly Minimum Payment will be allocated in anyway we determine, including to balances withlower Annual Percentage Rates before balanc - e sw i t hh i g h e rA n n u a lP e r c e n t a g eR a t e s .W ewill generally apply payments up to the amountthat apply to your Account. In addition, we maylimit your Account to only one Cash Advancetransaction per day.You promise to pay us and are liable for allamounts resulting from the authorized use ofyour Card or Account, plus any applicable in-t e r e s t  c h a r g e s  a n d  o t h e r  a p p l i c a b l e  c h a r g e sor fees, payable in U.S. dollars. This includesamounts where you did not sign a purchaseslip or other documents for the transaction.If you use your Account number without pre-s e n t i n g  y o u r  a c t u a l  C a r d ,  s u c h  a s  f o r  m a i l ,telephone, or internet purchases, this will betreated the same way as if you presented yourCard. Your promise to pay us will apply to yourestate if you die.We may limit and restrict the use of the Ac-count/Card at our discretion. Such limitationsand restrictions include, but are not limited to,gambling transactions, which include, but aren o tl i m i t e dt o ,i n t e r n e t - r e l a t e dl o t t e r yt i c k e t s ,c a s i n og a m b l i n gc h i p s ,o ff - t r a c kb e t t i n ga n dwagers at racetracks. You remain responsi-ble for use of your Account/Card in any suchtransactions.The Card may only be used for valid and lawfulpurposes. If you use, or you authorize someoneelse to use, the Card or Account for an unlawfulor impermissible purpose, you will be respon-sible for such use and may be required to reim - b u r s eu so rM a s t e r c a r df o ra n ya m o u n t so re x - p e n s e sw eo rt h e yi n c u ra s  ar e s u l t  o f  s u c hu s e .The Card is and remains our property, and youwill surrender it to us at any time upon request.Your Credit Limit. Y ou may not use your Ac-c o u n ti na n y  w a yt h a tw o u l dc a u s ey o ut og oover your Credit Limit. We may refuse to autho - rize or accept any transaction on your Accountt h a tw o u l dc a u s ey o ut oe x c e e dy o u rC r e d i tL i m i t ,e v e ni fy o uh a v ea u t h o r i z e du st oc h a r g eyou an Overlimit Fee for doing so. We mayt e m p o r a r i l ya g r e et oa l l o wy o ut oe x c e e dy o u rCredit Limit; however, in that case you must re - p a yt h ee x c e s sa m o u n ta c c o r d i n gt ot h et e r m so f  t h i s  A g r ee m e n t .  An y  t r a n s a c t i o n s  h o n o r edi ne x c e s so fy o u rC r e d i tL i m i tw i l ln o tr e s u l ti na ni n c r e a s eo fy o u rC r e d i tL i m i t .W em a ya ta n ytime and without prior notice to you increaseo rd e c r e a s ey o u rC r e d i tL i m i t ,l i m i tt h eC r e d - i tL i m i tf o rC a s hA d v a n c e so rt a k ea w a yy o u rability to obtain Cash Advances.MAKING PAYMENTSMonthly Statements. W e  w i l l  s e n d  a  S t a t e -ment at the end of each monthly Billing Cycleif there is a debit or credit balance on your ac-c o u n to f$ 1o rm o r e ,ab a l a n c eo nw h i c ha ni n t e r e s tc h a r g eh a sb e e ni m p o s e d ,o ra so t h e r -w i s er e q u i r e db ya p p l i c a b l el a w .Y o ua g r e et opay us, or any party to whom we may transferand assign your Account or the amounts owingunder your Account, in U.S. dollars accordingt oa l lt e r m sa n dc o n d i t i o n so ft h i sA g r e e m e n t .P a ymen ts  made  b y  a  check,  mone y  order  orother negotiable instrument must be in a forma c c e p t a b l et ou sa n dd r a w no naU . S .fi n a n c i a linstitution.Monthly Minimum Payment. T h e  M o n t h l yM i n i m u mP a y m e n ti s7 %o fy o u rN e wB a l a n c eo r$ 4 0 ,w h i c h e v e ri sg r e a t e r ,r o u n d e dt on e a r -
13541961_1_M-134158.indd  2 6/29/21   10:10 AM