PRICING DISCLOSURES 

These Pricing Disclosures are part of the Cardholder Agreement. 

Interest Rates and Interest Charges 
Annual     Percentage     Rate 
(APR) for Purchases 

34.99% 

APR for Cash Advances 

34.99% 

Paying Interest 

Your due date will be a minimum of 21 days after the close of each billing 
cycle.  We will not charge interest on new purchases if you pay your entire 
balance by the due date each month. We will begin charging interest on cash 
advances on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $0.50. 

Credit Card Tips from the 
Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a credit 
card,  visit  the  website  of  the  Consumer  Financial  Protection  Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 
Set-Up and Maintenance Fees 

Notice:   The Annual Fee will be assessed before  you begin using your 
card  and  will  reduce  the  amount  of  credit  you  initially  have  available. 
Based on your initial credit limit of $300.00, your initial available credit 
will only be $225.00 (only $196.00 if you choose to have an additional 
card). 

You  may  still  reject  the  plan,  provided  that  you  have  not  yet  used  the 
account or paid a fee after receiving a billing statement.  If you reject the 
plan, you are not responsible for any fees or charges. 

Program Fee 

Annual Fee 

$95.00 (one-time fee). 

$75.00 for first year 

After that, $48.00 annually. 

Monthly Servicing Fee 

None for first year (introductory) 

After that, $75.00 annually ($6.25 per month). 

Transaction Fees 

Cash Advance Fee 

None for first year (introductory).   After that, either $5.00 or 5% of 
the amount of each cash advance, whichever is greater. 

  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Penalty Fees 
Late Payment Fee 

Up to $39.00 

Returned Payment Fee 

Up to $39.00

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “Average  Daily  Balance  (including  new 
purchases).” See your cardholder agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is included in the 
cardholder agreement and on the back of your monthly billing statement. 

Additional Information Regarding Program Fee 

We require a one-time up front Program Fee of $95.00 to be paid in full before your Account is opened.   Once we 
have received and processed your payment of the Program Fee, your Account will be opened and you may activate 
and begin using your Card.  Refer to the Section entitled “Refund Disclosure” for additional information. 

Additional Information Regarding Interest Charges and Other Fees 

Your Account is subject to the following Interest Charges and Fees, each of which will be charged to your Account 
as a Purchase for the purpose of calculating Interest Charges: 

Interest Charges: 

Paying Interest Charges.  You agree to pay us Interest Charges on your Account as described herein.  Subject to any 
grace period for new Purchases as described in the next section, Interest Charges will be imposed beginning the date 
a Purchase or Cash Advance is posted to your Account and will continue to accrue until payment is posted. 

How to Avoid Paying Interest Charges on New Purchases (Grace Period).  If you paid the New Balance on your 
prior  monthly  billing  statement  by  the  due  date  shown  on  that  billing  statement,  we  will  not  impose  any  Interest 
Charges on new Purchases, or any portion of a new Purchase, paid by the due date on your current monthly billing 
statement (which will be at least 21 days from the billing cycle closing date).  New Purchases are Purchases that first 
appear on your current billing statement.  Cash Advances are subject to Interest Charges from the date the transaction 
is posted to your Account.  Unlike Purchases, this means there is no time in which you can pay the balance of Cash 
Advances in order to completely avoid Interest Charges on Cash Advances. 

How We Calculate Interest Charges – Average Daily Balance Method (Including Current Transactions). Interest 
Charges on Purchases are calculated by applying the monthly periodic rate (shown below) to the average daily balance 
of Purchases (including new Purchases) for each billing cycle.   To calculate the average daily balance of Purchases, 
we take the beginning balance of Purchases each day, add any new Purchases (including Interest Charges and other 
Fees and charges), and subtract any applicable payments and credits. This gives us the daily balance. We add up all 
the daily balances for the billing cycle and divide by the number of days in the billing cycle to determine the average 
daily balance of Purchases.  Interest Charges on Cash Advances are calculated by applying the monthly periodic rate 
(shown below) to the average daily balance of Cash Advances (including new Cash Advances). To get the average 
daily balance of Cash Advances, we use the same calculation method that we use for Purchases. 

Monthly  Periodic  Rate  and  Corresponding  ANNUAL  PERCENTAGE  RATE  (APR).   Interest  Charges  for 
Purchases  and  Cash  Advances  are  calculated  at  a  monthly  periodic  rate  of  2.9158%,  which  is  a  corresponding 
ANNUAL PERCENTAGE RATE (APR) of 34.99%.  We calculate the monthly periodic rate by dividing the APR 
by 12. 

Minimum Interest Charge.  In any month in which an Interest Charge is due, if that Interest Charge is less than $.50, 
we may charge you a minimum Interest Charge of $.50.   Notwithstanding the foregoing, during the first 12 months 
your Account is open, any Interest Charges assessed on your Account will be equal to the actual accrued interest.

  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Fees: 

Annual Fee. Your Account will be assessed an Annual Fee of $75.00 when your Account is opened and $48.00 every 
twelve months thereafter whether or not you use your Account.  The Annual Fee is non-refundable except as provided 
in Section below entitled “Refund Disclosure.”   Your payment of the Annual Fee does not affect our right to close 
your Account.  The Annual Fee will not be billed to your Account after your Account is closed.  The Annual Fee will 
be pro-rated based on when the Account is reopened and the Card is re-issued. 

Monthly Servicing Fee.  Your Account will not be charged a Monthly Servicing Fee for the first year (introductory) 
following Account opening.  Each month thereafter, your Account will be charged a Monthly Servicing Fee of $6.25 
per month ($75.00 annually).  This fee will be billed until your Account is closed and the balance is $20.00 or less. 

Cash Advance Fee.  In addition to the periodic Interest Charge we assess on Cash Advances, each time you obtain 
a Cash Advance, we will impose a transaction fee of $5.00 or 5% of the amount of each Cash Advance, whichever 
is greater.   Notwithstanding the foregoing, your  Account  will  not  be  charged  any Cash Advance fees  for  the  first 
year (introductory)  following Account opening. 

Late Payment Fee.  If we do not receive payment from you in at least the amount of your Total Minimum Payment 
Due by the due date shown on your monthly billing statement, you will be charged a Late Payment Fee.  The fee will 
be the lesser of (a) $28.00 if you did not incur a Late Payment Fee during any of the prior six billing periods; otherwise 
$39.00, or (b) your past due Total Minimum Payment Due amount. 

Returned Payment Fee.  If any check or other item tendered in payment of the amount due on your Account is returned 
unpaid for any reason, you will be charged a Returned Payment Fee.  The fee will be the lesser of (a) $28.00 if you did 
not incur a Returned Payment Fee during any of the prior six billing periods; otherwise $39.00, or (b) your past due 
Total Minimum Payment Due amount. 

Additional Card Fee.  If you authorize us to issue an additional Card for an Authorized User, an Additional Card Fee 
of $29.00 will be imposed annually for each additional Card.  This fee will be assessed at the time you request each 
Additional Card and annually thereafter following each anniversary date of your Account opening, whether or not the 
additional Card  is used.   The  Additional Card Fee is non-refundable except as provided  in Section below entitled 
“Refund Disclosure.”  The Additional Card Fee will be pro-rated the first year based on when the additional Card is 
issued. 

Credit Limit Increase Fee.  After your Account has been open for at least one year, a fee of 20% of the amount of 
any increase in your credit limit may be charged to your Account as a Credit Limit Increase Fee. For example:  if your 
credit limit is increased by $100, a $20.00 Credit Limit Increase Fee will be assessed, which will result in additional 
available credit of $80.00 on your Account.  This fee is automatically assessed upon your acceptance of each credit 
limit increase. 

Express Delivery Fee.  We impose a $35.00 fee for the express delivery of your Card. 

Copying Fee.   If you request duplicates of any monthly billing statement or other document, a copying charge of 
$3.00 per page may be imposed, unless the request is made in connection with a bona fide billing error dispute.

  
 
 
 
 
 
 
 
 
 
VISA® CARDHOLDER AGREEMENT 

THIS CARDHOLDER AGREEMENT CONTAINS AN ARBITRATION PROVISION.  UNLESS YOU ACT 
PROMPTLY TO REJECT THE ARBITRATION PROVISION, IT WILL HAVE A SUBSTANTIAL EFFECT 
ON  YOUR  RIGHTS  IN  THE  EVENT  OF  A  DISPUTE,  INCLUDING  YOUR  RIGHT  TO  BRING  OR 
PARTICIPATE IN A CLASS ACTION. 

This cardholder agreement (“Agreement”) contains the terms and conditions under which The Bank of Missouri has 
agreed to establish a Visa® credit card Account (“Account”) for you.  The accompanying Pricing Disclosures are part 
of this Agreement.   This Agreement contains our most current terms and supersedes any prior terms you may have 
received from us.  Please read this Agreement carefully and retain it for your future reference. 

Acceptance of Agreement.  Use of the Card or Account by you or an Authorized User shall constitute your agreement 
to the terms and conditions of this Agreement.  Whenever stated in this Agreement that we may take certain described 
action, this permits us to do so at our sole discretion. 

Effective Date of Agreement.  Unless you are a resident of the State of New York, this Agreement is effective upon 
the earlier of (1) the first Purchase made or Cash Advance taken on your Account, and (2) the expiration of 30 days 
from the date we deliver this Agreement to you if you do not provide us written notice of your desire to cancel within 
this 30 days. If you are a resident of the State of New York, this Agreement is not effective until the first Purchase 
made or Cash Advance taken on your Account. In all cases, if any Fees are required to be paid prior to opening your 
Account, this Agreement will not be effective and your Account will not be opened until such Fees are paid in full. 
You are not obligated to pay any Fees or Interest Charges (other than any Fees required to be paid prior to opening 
your Account) until this Agreement is effective. 

Defined Terms 

“You” and “your” mean each person who applied for the Account, each person to whom The Bank of Missouri issues 
a Card. 

“We,” “us,” “our,” means The Bank of Missouri ,  St. Robert, Missouri, and our agents, authorized representatives, 
successors, and assignees or other holders of this Agreement or your Account. 

“Authorized User” means anyone who uses a Card or your Account with your consent. 

“Card” means any Visa® credit card issued in connection with your Account, including all renewals and substitutions. 
It also means any other access device for your Account we give you that allows you to obtain credit, including any 
Account number. 

“Cash Advance” means each of the following transactions:  (a) a transaction drawing upon your Account using your 
Card and PIN (described below) at an ATM that bears the Visa® logo; (b) a transaction at any participating Visa® 
financial institution drawing upon your Account; (c) an electronic or other transfer of funds initiated by us, at your 
request (i.e., we sign the check as the drawer), drawing upon your Account; (d) use of a check provided by us (i.e., 
you sign the check as the drawer) drawing upon your Account; (e) a transaction and the fees associated with using 
your  Card  to purchase  cash  equivalents,  including wire  transfers,  money orders,  and  travelers’  checks; and (f)  any 
other method of obtaining a cash loan. 

“Fees”  means charges imposed on  your  Account as described in  this  Agreement  that are not based on an  Annual 
Percentage Rate. 

“Interest Charges” means any charges to your Account based on the application of an Annual Percentage Rate. 

“New Balance” means the outstanding balance of your Account at the end of any billing cycle.

  
 
 
 
 
 
 
 
 
 
 
 
 
“Purchase” includes (a) a transaction using your Card to purchase or lease goods or services from one who honors 
the Card; (b) any other Account related Fees; and (c) any other transaction that is not otherwise a Cash Advance. 

Other important words used in this Agreement begin with capital letters. They are defined throughout this Agreement. 

Using Your Card 

Permitted Uses.    You  may  use  your  Card  and  your Account  to  make  Purchases  wherever  your  Card  is  accepted, 
provided your Account is in good standing and you have available credit.  Each time you use your Card, either for a 
Purchase or a Cash Advance, you are requesting us to make a loan to you for the amount of the Purchase or the Cash 
Advance.   If you use your Account number to make a Purchase or obtain a Cash Advance without presenting your 
Card (such as for a mail order, telephone or internet purchase), the legal effect will be the same as if you used the Card 
itself.   Each Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is 
repaid in accordance with the terms of this Agreement. 

Cash Advances.  You may use your Card to obtain Cash Advances if your Account has been open for at least the later 
of ninety (90) days or three completed billing cycles, is not past due and you have available credit for Cash Advances.  
You may obtain Cash Advances from an Automated Teller Machine (“ATM”) or through a bank teller. However,  the 
total  of  your  unpaid  Cash  Advances  may  not  exceed  one-half  of  your  credit  limit.   Cash  Advance amounts may 
also be subject to limits imposed by banks and ATM operators. 

Prohibited Uses.  You may not use your Card outside the United States, or to make a charge in a foreign currency. 
The Card may not be used for any illegal transactions.  The Card may not be used for on-line gambling transactions 
or at an automated fuel pump.  You further acknowledge that your Card will be for personal use and may not be used 
for business purposes.  If you use, or allow someone else to use your Card or Account for any prohibited purpose, you 
will be responsible for such use and may be required to reimburse us for all amounts or expenses we pay as a result 
of such use. 

Card.    You  agree to  sign  the back  of  the Card  issued to  you  in  connection  with  your  Account immediately  upon 
receipt.  The Card is valid during the dates provided on the front. The Card is our property, and you will return it to 
us or destroy it if we ask. 

PIN.  Upon your request, you may be assigned a personal identification number (“PIN”).  With a PIN, you may use 
your Card to obtain Cash Advances from an ATM. You should keep your PIN secure and not write it down, give it to 
anyone, or keep it with your Card. If you lose your Card or believe that someone has gained unauthorized access to 
your PIN, you must contact us immediately.  You may request or change your PIN by calling us at (877)-259-3755 or 
visiting us online at www.firstaccesscard.com. 

Credit Limit.  Your credit limit is the maximum amount of credit we have approved for your Account. Your credit 
limit will be disclosed to you when your Card is issued and will also appear on your monthly billing statement.  You 
agree not to make any Purchase or obtain any Cash Advance that would cause the unpaid balance of your Account to 
exceed your credit limit. The total of your unpaid Cash Advances may not exceed one-half of your credit limit.    You 
agree that we may change your credit limit at any time without affecting your obligation to pay the amounts you owe 
under this Agreement.   At our sole discretion, we may honor Purchases or Cash Advances in excess of your credit 
limit  without raising  your credit limit.  If  we do,  we  may  require  you  to pay  us any amount  over  your credit limit 
immediately. If we have previously allowed your balance to exceed your credit limit, it does not mean that we will 
permit your balance to exceed your credit limit again. See the next section with respect to credit limit increases. 

Credit Limit Increases. Through notification from us or upon  your request, your Account may be reviewed for a 
credit limit increase after being open for at least twelve (12) billing cycles.  If you accept a credit limit increase offer, 
a  Credit  Limit  Increase  Fee  will  be  assessed  to  your  account.    Please  refer  to  the  Pricing  Disclosures  for  more 
information about the Credit Limit Increase Fee.  We reserve the right to decline your request for a credit limit increase 
in our sole discretion.

  
 
 
 
 
 
 
 
 
 
Lost or Stolen Card; Liability for Unauthorized Use.  You will take reasonable steps to prevent the unauthorized 
use of your Card and Account. If your Card is lost or stolen, or you think someone used your Account without your 
permission, tell us immediately by notifying us by phone at (877)-259-3755 or in writing at PO Box 89028, Sioux 
Falls, South Dakota 57109-9028.  You may be liable for the unauthorized use of your Card. In New York, you will not 
be liable for unauthorized use of the Card that occurs prior to the effective date of this Agreement.  You will not be 
liable for unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized 
use.  In any case, your liability will not exceed $50. You agree to cooperate in our investigation of the unauthorized 
use and provide any information we deem necessary to our investigation.  We will send you a new Card with a new 
account number to replace the Card that was lost or stolen. Although you will be issued a new account number, you 
will not be considered to have opened a new account, and any existing balance will be transferred to the replacement 
account.  Please see “Your Billing Rights” section below for more details. 

Declines and Authorizations.  You agree that we shall have no liability if any merchant or bank refuses to honor your 
Card or Account number, if an ATM or other device fails to properly operate, or if services are unavailable due to 
circumstances  beyond  our  control  (such  as  system  failures,  fires,  floods,  natural  disasters,  or  other  unpredictable 
events).  Some  transactions  on  your  Account  will  require  prior  approval.  These  prior  approvals  are  called 
“authorizations”.” We may limit the number of authorizations we will give your Account during any certain period of 
time (day, weekend, week) and we may deny an authorization if we suspect that your Account is being used without 
your permission. If our authorization system is not working fully, we  may be unable to give an authorization even 
though the transaction would not exceed your credit limit. For security reasons, we cannot explain the details of how 
the authorization system works. You agree that we will not be liable for failing to give an authorization.   We are not 
obligated to honor every transaction, even if you have available credit.  We may decline a transaction on your Account 
at our discretion for any reason including the following:  because of operational considerations, because your Account 
is in default, or if we suspect fraudulent or unlawful activity.  We are not responsible for any losses if a transaction on 
your Account is declined for any reason, whether by us or a third party, even if you have sufficient credit available. If 
the  authorization  is  denied,  we  may  notify  the  person  who  attempted  the  transaction  that  it  has  been  refused. 
Transactions  at  some  participating  merchants  (such  as  hotels,  car  rental  companies,  and  restaurants)  may  result  in 
authorizations for amounts greater than the actual purchase amount, which will have the effect of making less credit 
available on  your Account for several days (usually  until the  date the actual purchase amount is received from the 
merchant). 

Authorized  Users.   If  another  person  is  given  access  to  your  Account  with  your  express  or  implied  permission, 
notwithstanding the provision above, that person is an Authorized User, even if we did not issue an additional Card in 
the Authorized User’s name. At your request, and if we agree, we may issue an additional Card in the name of an 
Authorized  User  with  your  Account  number.   You  will  be  responsible  for  all  charges,  Cash  Advances,  Interest 
Charges, Purchases and Fees incurred by any Authorized User. We are not required to try to obtain payment from any 
Authorized User before requiring payment from you. You and each Authorized User agree that we may report Account 
information to consumer reporting agencies in the names of both you and the Authorized User. 

Removing an Authorized User.  If you want to remove an Authorized User from the Account, you must contact us 
as provided on your monthly billing statement and request their removal. We will have a reasonable amount of time 
after your request to research the situation and remove them. You also must immediately destroy all Cards in their 
possession and cancel all of their billing arrangements to the Account. We will not do this for you. During this time, 
you still will be responsible for all amounts they charge to the Account. You will be responsible even if these amounts 
do not appear on the Account until later. An Authorized User may remove themselves from the Account upon request. 
We may close your existing Account and/or issue a new Card with a new Account number. 

Transactions Made in Foreign Currencies.  Although charges outside the United States or in a foreign currency are 
not allowed, if you make a charge in a foreign currency, the exchange rate for the transaction will be either (a) a rate 
selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing 
date, which rate  may vary from the rate Visa itself receives, or (b) the government  mandated rate in effect for the 
applicable central processing date.

  
 
 
 
 
Payments 

Your Promise to Pay.  You promise to pay to us all amounts advanced to you (including amounts advanced to any 
Authorized User) under this Agreement, plus all Fees and Interest Charges assessed on those amounts, and all other 
charges, costs, and fees which you incur under the terms of this Agreement. 

Total Minimum Payment Due.   You may pay any or all of the amounts you owe at any time without penalty, but 
you must pay at least the Total Minimum Payment Due each month on or before the due date in order to maintain 
your credit privileges.  The “Total Minimum Payment Due” is comprised of the Monthly Payment plus any amount 
past due, as reflected on the monthly billing statement.    If the New Balance shown on your statement is $39.00 or 
less, the “Monthly Payment” is the New Balance.  If the New Balance exceeds $39.00, the Monthly Payment is the 
greater of (a) five percent (5%) of your New Balance at the end of the billing cycle (rounded up to the nearest dollar) 
or (b) $39.00.  The Total Minimum Payment Due may also include the amount by which your New Balance exceeds 
your credit limit (“Over Credit Limit Amount”).  Failure to pay the Over Credit Limit Amount as requested on your 
monthly billing statement will not, by itself, cause your Account to be delinquent. The Total Minimum Payment Due 
is due by the due date shown on the monthly billing statement (the due date will be at least twenty-one (21) days from 
the  billing  cycle  closing  date)  and  payments  must  be  made to  The  Bank  of  Missouri  at  the  address shown  on  the 
monthly billing statement.   Merchandise refunds, Fee or Interest Charge reversals or other credits to your Account 
will be applied towards your outstanding balance, but will not be treated as payments for purposes of satisfying your 
obligation to make the next Total Minimum Payment Due. 

Payment Instructions.  Payments received in Proper Form before 5:00 pm CST on a business day will post to your 
Account that day.  Payments received after 5:00 pm CST on a business day and payments made on a Saturday, Sunday, 
or bank holiday will post to your Account the following business day.  We may, in our discretion, accept payments 
not received in Proper Form, but crediting of such payments may be delayed up to five business days following receipt. 
Delayed crediting may cause you to incur a Late Payment Fee and additional Interest Charges.  “Proper Form” means 
that a payment sent by mail or courier follows these guidelines: 
•      Payments must be sent to the address on the payment coupon of your monthly billing statement. 
•      Payments must be made by personal check, money order, cashier’s check, or guaranteed funds (described below) 

in U.S. dollars payable to The Bank of Missouri. 

•  All checks or negotiable instruments must be drawn on a U.S. financial institution and contain proper signatures 

and consistent numeric and written amounts. 

•      Payments must not be in the form of cash or third-party checks. 
•  Your payment coupon must be included with your payment. If your payment coupon is not included, your name 

and account number must be printed legibly on your check or negotiable instrument. 

Payments  not  made  in  guaranteed  funds  may  not  create  available  credit  for  up  to  fourteen  (14)  days  to  allow  the 
payment to clear or even longer if circumstances warrant an additional hold, or if we deem ourselves at risk for any 
reason.   Guaranteed funds which are accepted include payments in the form of bank or postal money orders, bank 
cashier’s checks, debit card payments, Western Union and MoneyGram.  This list may change.  Please call customer 
service for a current list of payments accepted as guaranteed funds.  Third party payments are subject to review and 
may not immediately create available credit.   At our discretion, we may accept late or partial payments, as well as 
payments that are marked “paid in full” or other restrictive endorsements, without losing any of our rights under this 
Agreement.  You agree that we need not examine any payment check to confirm that it is not postdated, and that we 
may deposit any postdated check for payment to us on the day we receive it. Satisfaction of a debt for less than the 
full  amount  due  or  imposition  of  any  other  term  or  condition  on  us  requires  a  written  agreement,  signed  by  our 
authorized  representative.  All  written  communications  concerning  disputed  amounts,  including  a  check  or  other 
payment instrument that (a) indicates that the payment constitutes “payment in full” or is otherwise tendered as full 
satisfaction of a disputed amount or (b) is tendered with other conditions or limitations, must be marked or delivered 
to us at the address for billing inquiries shown on your monthly billing statement, not at the payment address.  You 
waive presentment for payment, protest, notice of non-payment and of protest, and agree to any extensions of time of 
payment and partial payment before, at, or after maturity.  You may at any time pay more than your minimum payment 
or pay off your entire balance in full without any additional charge for prepayment. No matter how large your payment 
is in one billing cycle, you will need to make a payment in the following cycle if you have an outstanding balance.

  
 
 
 
 
 
You  are  not  authorized  to  use  your  available  credit  to  make  a  payment  on  your  Account  and  we  may  refuse  such 
payments in our sole discretion.  We may resubmit and electronically collect returned payments. We may also adjust 
your Account as necessary to correct errors, to process returned and reversed payments, and to handle similar issues. 

How We Apply Payments.  Payments will be applied in a manner we determine in accordance with applicable law, 
and the application of payments may change from time to time. 

Credit Balances. You may not maintain a credit balance on your Account.  If payments cause a credit balance, your 
Account may be temporarily suspended and subject to further review.  We may reject and return to you any payment 
that creates a credit balance on your Account. Any credit balance we allow will not be available until we confirm that 
your payment has cleared. You may contact us as provided on your monthly billing statement and request a refund of 
any available credit balance of $1.00 or more. If you contact us in writing, we will refund your credit balance within 
7 business days from our receipt of your written request.  If you do not request a refund, we will apply credit balances 
to future amounts you owe us unless a refund is required by law. 

Electronic Check Presentment.   By sending us a check as payment, you authorize us to use information on your 
check to make a one-time electronic funds transfer from your account at the financial institution indicated on your 
check  or  to  process  the  payment  as  a  check  transaction.    When  we  use  information  from  your  check  to  make  an 
electronic  funds  transfer,  funds  may  be  withdrawn  from  your  bank  account  as  soon  as  the  same  day  we  receive 
payment.  If your check is processed electronically, your canceled check will not be returned to you by your financial 
institution. We will retain an image of your electronically processed check(s) as required by law. If requested prior to 
the time we are allowed by law to destroy electronically processed checks, we will provide you with a copy of your 
electronically processed check(s) upon your request. 

Monthly Billing Statements, Communications and Information About You 

Monthly Billing Statements.  We will send you a monthly billing statement at the end of each monthly billing cycle 
in which your Account has a debit or credit balance of more than $1.00, if an Interest Charge has been imposed or if 
other Account activity has occurred. Your statement will arrive around the same time each month, however we reserve 
the right to change the date of your billing cycle at any time to the extent permitted by law.  The statements we send 
to you will reflect the activity and our Interest Charges, Fees and other charges on your Account during the immediately 
preceding monthly billing cycle. They will also show your Total Minimum Payment Due and the due date by which 
we must receive payment. The information contained on the statement will be deemed to be correct unless you notify 
us in accordance with the Section below entitled “Your Billing Rights”. 

Description of E-Statements.  You may elect to have your monthly billing statements and other required disclosures 
accompanying your monthly billing statements (“E-Statements”) for your Account delivered to you electronically in 
place of paper disclosures.  You may sign up for the E-Statement service or cancel the E-Statement service at any time 
by logging into your Account at www.firstaccesscard.com. Your use of the E-Statement service will be subject to the 
additional terms and conditions presented to you at the time of your enrollment for E-Statements. 

Communication with You.  We may contact you from time to time regarding your Account. We (and our affiliates, 
agents and contractors) may contact you in any manner we choose to the extent allowed by applicable law. For example, 
we may contact you: 
(1) by mail, telephone, email, or text message; 
(2) by using an automated dialing or similar device (“autodialer”); 
(3) at your home and at your place of employment; 
(4) on your mobile, wireless or cellular telephone or similar device, which may result in charges to you; 
(5) at any time, including weekends and holidays; 
(6) with any frequency; 
(7) by leaving prerecorded and other messages on your answering machine/service and with others; and 
(8) by identifying ourselves, your relationship with us and our purpose for contacting you even if others might hear 
or read it. 
We may monitor or record any conversation or other communication with you. Unless the law states we cannot, we 
may  modify or suppress caller ID and similar services and identify ourselves on these services in any manner  we

  
 
 
 
 
 
 
 
choose. You also agree that we may contact you using phone numbers, addresses and e-mail addresses we obtain from 
public and nonpublic databases we may lawfully access. Where allowed by law, we also may contact other individuals 
who  may  be  able  to  provide  updated  employment,  location,  and  contact  information  for  you.   Some  of  the  legal 
purposes  for  calls  and  messages  include:  suspected fraud or identity theft; obtaining information; transactions on or 
servicing of your Account; collecting on your Account; and providing you information about certain products, services 
and promotions. 

Account Alert Service.   Through our Account Alert Service, we will send certain alerts about your Account. You 
expressly agree that we may send you Account Alerts through email messages, SMS text messages to mobile numbers 
you provide to us or any other means we may make available to you from time to time. You may adjust Account Alert 
and delivery preferences at any time by logging into your Account at www.firstaccesscard.com.   Account Alerts sent 
via SMS text messages can also be cancelled at any time by texting the reply “STOP” from your mobile phone.  You 
are responsible for any fees or other charges that your wireless carrier may charge for any related data or message 
services, including without limitation SMS text services.  You agree that Account Alerts may not be encrypted, and 
may include your name and information pertaining to your Account. Receipt of any Account Alert may be delayed, 
or prevented by factors affecting your Internet service provider, phone operator, and other relevant entities. We offer 
Account Alerts solely as a convenience to you.  We neither guarantee the delivery or the accuracy of the contents of 
any Account Alert. We will not be liable for losses or damages arising from (a) non-delivery, delayed delivery, or 
wrong  delivery  of  any  Account  Alert;  (b)  inaccurate  content  in  an  Account  Alert;  (c)  your  use  or  reliance  on  the 
contents  of  any  Account  Alert  for  any  purposes.  We  reserve  the  right  to  terminate  any  request  from  you  for  any 
Account Alert, at any time. The information in any Account Alert may be subject to certain time lags and/or delays. 
We may terminate or suspend the Account Alert Service at any time without notice. 

Your Consent for Calls and/or Text Messages to Your Mobile Phone.  When you give us or we obtain your mobile 
telephone number, you expressly agree that we (and our affiliates, agents and contractors) may contact you at this 
number using an autodialer and can also leave prerecorded and other messages, including text messages. We may do 
these things whether we contact you or you contact us.  You agree you will be responsible for any fees or charges you 
incur as a result of incoming calls or text messages from us, from our affiliates or from any third party acting on behalf 
of us or our affiliates. You agree that your consent to receive these calls and/or text messages sent to  your mobile 
phone may be revoked only by providing written notice of your revocation to us at the Notice address set forth below, 
and  that such  revocation  notice  will  state  your  name,  mailing  address, specific telephone number(s)  for  which  the 
revocation  applies, and  at least the last four digits of your Account number  so  that we  may identify  you  and  your 
Account. 

Visa Account Updater. Accounts with Cards bearing the Visa logo are automatically enrolled in the “Visa Account 
Updater” feature required by Visa.  This feature enables the electronic exchange of Account information between Visa 
and  participating  merchants  to  support  payment  continuity  with  credential-on-file  merchants.   Visa  will  securely 
provide updated credit card information when your Card is re-issued for any reason or is closed.   To opt-out of the 
Visa Account Updater feature for your Account, if applicable, please contact us by calling the number on the back of 
your Card. 

Notices.   Any notice required to be provided to you under this  Agreement shall be given to  you at  your residence 
address shown on our records and shall be effective when sent by first class mail, unless otherwise required by Missouri 
law.  You agree to advise us promptly of any change in your address.  Any notice from you to us shall be sent to PO 
Box 89028, Sioux Falls, South Dakota 57109-9028 or to such other address as we may give you and shall be effective 
when received by us.   We may, at our discretion, accept mailing address corrections from the United States Postal 
Service. 

Privacy Policy. The privacy policy for The Bank of Missouri is provided separately in accordance with applicable 
law. 

Your Account Information.  We need current information about you to manage your Account. The information we 
need includes: (1) your legal name; (2) a valid U.S. mailing address and residential address (if different); (3) your e- 
mail  address;  (4) your social  security  number or other  government  identification  number;  (5)  your telephone 
number(s); and (6) your employment and income information. You are responsible for promptly notifying us when 
this information changes. We may require you to provide additional documents that are acceptable to us to verify this

  
 
 
 
 
 
 
information or any changes. We maintain the right to restrict  or close your Account if your information cannot be 
verified or if you do not provide additional information as requested. 

Credit  Information.   We  are  entitled  under  applicable  law,  including  the  Fair  Credit  Reporting  Act,  to  obtain 
information  about  you  from  a  credit  reporting  agency  and  we  may  also  verify  your  credit  references  and  other 
information that you provide to us.  We may obtain updated or additional information about you, including consumer 
reports,  for  any  legitimate  purpose  including,  but  not  limited  to,  the  extension  of  credit  to  you  or  the  review  or 
collection of your Account.   We may provide information about you and your Account to credit reporting agencies 
and others as provided in our privacy policy. Information we provide might appear on your and your Authorized Users’ 
credit reports. This could include negative information if you do not comply with the terms of this Agreement. 

Your Contract With Us 

Amendment or Modification.  At any time and subject to applicable law, we may change or delete any term of, or 
add new terms to, this Agreement, including without limitation the Interest Charge, Annual Percentage Rate, Fees, 
Total  Minimum  Payment  Due  amount,  and  the  Arbitration  Provision.    Unless  prohibited  by  applicable  law,  these 
changed or new terms will apply to any Account balance outstanding on the effective date of the change and to all 
future balances.  When required by applicable law, we will notify you in advance of any changes, deletions or addi- 
tions. Our notice will tell you when and how the changes will take effect and describe any rights you have in connection 
with the changes. 

Governing Law.  This Agreement and your Account, and any claim, dispute or controversy (whether in contract, tort, 
or otherwise) at any time arising from or relating to your Account, this Agreement or any transferred balances, are 
governed by and construed in accordance with applicable federal law and, to the extent not preempted by federal law, 
by the laws of Missouri (without regard to internal principles of conflict of laws), but we rely on the provisions of 
Nebraska law with respect to the Fees that apply to your Account as authorized by Missouri Revised Statutes Section 
408.145. 

Default.  We may declare your Account to be in default upon the occurrence of any of the following events: 
(a) You fail to make any payment required under the terms of this Agreement when due; 
(b) You fail to comply with any of the terms and conditions set forth in this Agreement; 
(c) You exceed your credit limit; 
(d) You become incapacitated or die; 
(e) You provide us with false or misleading information or signatures in any respect; 
(f) We obtain information that causes us to believe that you may be unwilling or unable to pay your debts to us on 
time; 
(g) We in good faith deem The Bank of Missouri to be insecure or believe that the prospect of payment is impaired; 
(h) You file for bankruptcy; 
(i) You move out of the U.S. or you provide us with a non-U.S. mailing address. 
(j)  You request an excessive number of replacement Cards. 
Upon your default, we can suspend or terminate your ability to use your Card or Account, lower your credit limit, 
increase  your  Total  Minimum  Payment  Due,  demand  the  return  of  your  Card(s),  declare  your  entire  balance 
immediately due and payable, initiate collection activity, continue to charge you Interest Charges and Fees as long as 
your balance remain outstanding, and exercise all other rights or remedies permitted by law, all without prior notice 
or demand except as required by law. You promise to pay any collection costs and attorneys’ fees that we incur as a 
result of your default. Our failure to declare your Account in default does not excuse you from performing all of your 
obligations under this Agreement, nor shall such failure constitute a waiver of our rights to declare the Account in 
default and terminate your ability to use the Account and the Card at a later time or upon the occurrence of the same 
or a different event of default.   A negative credit report reflecting on your credit record may be submitted to one or 
more credit-reporting agencies if you fail to fulfill the terms of your credit obligations. 

Suspending or Closing Your Account. 

We May Suspend or Close Your Account: We may close or suspend your Card or Account and require the return of 
your Card for any reason, including default, without notice to you except as may be required by applicable law. We

  
 
 
 
 
 
 
 
may terminate your Account if you are or become a non-U.S. resident or a resident of New York, Wisconsin, or a U.S. 
territory. Sometimes we close accounts based not on your actions or inactions, but on our business needs. If we close 
your Account, we will not be liable to you for any consequences resulting from closing your Account or suspending 
your credit privileges. 

You May Close Your Account: You may cancel your Account at any time by notifying us by telephone or in writing. 

If your Account is closed, you are still responsible for any amounts due on the Account pursuant to the terms of this 
Agreement and the Account will continue to accrue applicable Interest Charges and other Fees and charges until the 
Account is paid in full. 

Refund Disclosure. We will refund your Program Fee and initial Fees (those Fees that are billed at the time of Account 
opening) if (1) you have not used your Card for a Purchase or Cash Advance; and (2) you have not made a payment 
on your Account after receiving a monthly billing statement. We will refund any partial payment of the Program Fee 
if you do not open your Account.   If you later elect to close your Account and notify us of your election in writing 
within thirty (30) days or one billing cycle (whichever is less) after  an Annual Fee appears on your monthly billing 
statement, the Annual Fee will be credited to your Account.  Except as described in this paragraph, Fees are generally 
non-refundable.  If you elect to cancel an additional Card and notify us of your election in writing within thirty (30) 
days or one billing cycle (whichever is less) after  an Additional Card Fee appears on your monthly billing statement, 
the Additional Card Fee will be credited to your Account. 

Severability.  If any provision of this Agreement, including any portion of the Arbitration Provision set forth below, 
is determined to be invalid or unenforceable under any rule, law, or regulation, the validity or enforceability of any 
other provision of this Agreement shall not be affected, and in lieu of such invalid or unenforceable provision there 
shall be added automatically, as part of this Agreement, a provision as similar in terms as may be valid and enforceable, 
if possible.  Notwithstanding the foregoing, if a class action litigation or a class-wide arbitration is permitted for any 
reason, either party may require that the entire Dispute, as defined in the Section entitled “Arbitration” below, be heard 
by a judge, sitting without a jury, under applicable court rules and procedures. 

Attorneys  Fees  and  Costs.    Except  as  may  be  provided  otherwise  in  this  Agreement,  you  agree  to  pay  all  costs 
incurred by us, our successors or assigns, in collecting unpaid indebtedness or in enforcing this Agreement, including 
attorneys fees and costs, as well as those costs, expenses and attorneys fees incurred in appellate, bankruptcy and post- 
judgment proceedings, except to the extent such costs, fees or expenses are prohibited by law. 

No Waiver by Us.  Subject to applicable law, we reserve the right not to impose part or all of any Fee or other amount 
imposed pursuant to this Agreement or not to exercise any of our rights under this Agreement, and should we do so, 
we will not waive our right to impose such Fee or amount or exercise such right in the future. 

Assignment.    We  may sell, assign or  transfer  all or any portion of  your  Account or  any balances due under  your 
Account without prior notice to or consent from you.  You may not sell, assign or transfer your Card or your Account 
or any of your obligations under this Agreement.   This Agreement will be binding on, and benefit, any of your and 
our successors and assigns. 

Entire Agreement.   This Agreement, together with  your application, constitutes the final expression of the credit 
agreement between you and us relating to your Account and supersedes and may not be contradicted by evidence of 
any prior or contemporaneous oral credit agreement between you and us relating to your Account. 

No  Warranties.   Except  as  otherwise  provided  in  the  Section  below  entitled  “Your  Billing  Rights,”  we  are  not 
responsible for any claim you might have regarding the purchases of goods or services made with your Card. 

Merchant Refunds.  If you are entitled to a refund for goods or services purchased with your Card, you will accept 
these refunds as credits to your Account. We do not control when a merchant sends us your refund. We will also have 
a reasonable amount of time after we receive your refund to process it.

  
 
 
 
 
 
 
 
 
Arbitration 

READ  THIS  ARBITRATION  PROVISION.  UNLESS  YOU  ACT  PROMPTLY  TO  REJECT  THE 
ARBITRATION PROVISION BY OPTING OUT IN ACCORDANCE WITH PARAGRAPH b, CAPTIONED 
“OPT-OUT PROCESS,” THE ARBITRATION PROVISION WILL BE PART OF THIS AGREEMENT AND 
WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS, INCLUDING YOUR RIGHT TO BRING OR 
PARTICIPATE IN A CLASS ACTION, IN THE EVENT OF A DISPUTE. 

a.     General:  This  Arbitration  Provision  describes  when  and  how  a  Claim  (as  defined  below)  may  be  arbitrated. 
Arbitration is a method of resolving disputes in front of one or more neutral persons, instead of having a trial in 
court  in  front  of  a  judge  and/or  jury.  It  can  be  a  quicker  and  simpler  way  to  resolve  disputes.  Arbitration 
proceedings are private and less formal than court trials. Each party to the dispute has an opportunity to present 
some evidence to the arbitrator. The arbitrator will issue a final and binding decision resolving the dispute(s), 
which may be enforced as a court judgment. A court rarely overturns an arbitrator’s decision. As solely used in 
this Arbitration Provision, the terms “we,” “us” and “our” mean not just The Bank of Missouri but also our parent 
companies, wholly or majority-owned subsidiaries, affiliates, commonly-owned companies, successors, assigns 
and any of these entities’ employees, officers, directors and agents. For purposes of this Arbitration Provision, 
these terms also mean any other third party providing any goods and services in connection with your Account, 
servicing and collection of amounts due on your Account, if you name that third party and us as defendants in a 
single proceeding. 

b.  Opt-Out Process. If you do not want this Arbitration Provision to apply, you may reject it by mailing us a 
written opt out notice which contains your Account number, your name and address and a signed statement 
that you opt out of the Arbitration Provision of this Agreement. The opt out notice must be sent to us by 
mail at The Bank of Missouri , PO Box 89028, Sioux Falls, SD 57109-9028. (You should retain a copy of 
your opt-out notice and evidence of mailing or delivery.)  An opt-out notice is only effective if it is signed 
by  you  and  if  we  receive  it  within  thirty  (30)  days  after  the  date  we  delivered  this  Agreement  to  you. 
Indicating your desire to opt-out of this Arbitration Provision in any manner other than as provided above 
is insufficient notice. However, your decision to opt out of this Arbitration Provision will not have any other 
effect on this Agreement and will not affect any other arbitration agreement between you and us, which 
will remain in full force and effect. If you don’t reject this Arbitration Provision, it will be effective as of 
the date you were approved for an Account. 

c.  What Claims Are Covered: “Claim” means any claim, dispute or controversy between you and us that in any way 
arises from or relates to your Account, including disputes arising from actions or omissions on or prior to the date 
of this Agreement. “Claim” has the broadest reasonable meaning, and includes initial claims, counterclaims, cross-
claims  and  third-party  claims.  It  includes  disputes  based  upon  contract,  negligence,  fraud  and  other 
intentional  torts,  constitution,  statute,  regulation,  ordinance,  common  law  and  equity  (including  any  claim  for 
injunctive or declaratory relief). Despite the foregoing, “Claim” does not include any individual action brought 
by  you  in  small  claims  court  or  your  state’s  equivalent  court,  unless  such  action  is  transferred,  removed,  or 
appealed to a different court. In addition, except as set forth in the immediately following sentence, “Claim does 
not include disputes about the validity, enforceability, coverage or scope of this Arbitration Provision or any part 
thereof (including, without limitation, this sentence, the prohibitions against class proceedings, private attorney 
general proceedings and/or multiple-party proceedings described in paragraph g, captioned “Prohibition Against 
Certain Proceedings” (the “Class Action Waiver”), or the last sentence of paragraph o, captioned “Severability,”); 
all such disputes are for a court and not an arbitrator to decide. However, any dispute or argument that concerns 
the validity or enforceability of this Agreement as a whole is for the arbitrator, not a court, to decide. 

d.  Starting or Electing to Require Arbitration: Either you or we may start an arbitration of any Claim or require 
any Claim to be arbitrated. Arbitration is started by initiating an arbitration or required by giving written notice 
to the other party requiring arbitration. This notice may be given before or after a lawsuit has been started over 
the Claim and may address any Claims brought in the lawsuit, provided that a party may not pursue a Claim in a 
lawsuit and then seek to arbitrate that same Claim unless the other party has asserted another Claim in the lawsuit 
or an arbitration. The notice may be in the form of a motion or petition to compel arbitration. Arbitration of a 
Claim  must  comply  with  this  Arbitration  Provision  and,  to  the  extent  not  inconsistent  or  in  conflict  with  this 
Arbitration Provision, the applicable rules of the arbitration Administrator. 

e.     Choosing  the  Administrator:  “Administrator”  means  the  American  Arbitration  Association  (“AAA”),  1633 
Broadway, 10th Floor, New York, NY 10019, www.adr.org; JAMS, 1920 Main St. at Gillette Ave., Suite 300,

  
 
 
Irvine, CA 92614, www.jamsadr.com, or any other company selected by mutual agreement of the parties. If AAA 
and JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the 
Administrator  will  be  selected  by  a  court.  The  party  asserting  the  Claim  (the  “Claimant”)  may  select  the 
Administrator. Notwithstanding any language in this Arbitration Provision to the contrary, no arbitration may be 
administered, without the consent of all parties to the arbitration, by any Administrator that has in place a formal 
or informal policy that purports to override the Class Action Waiver. 

f.  Court  and  Jury  Trials  Prohibited;  Other  Limitations  on  Legal  Rights:  IF  YOU  OR  WE  ELECT  TO 
ARBITRATE A CLAIM, YOU AND WE WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM 
IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR AND OUR ABILITY TO OBTAIN 
INFORMATION FROM THE OTHER PARTY IS MORE LIMITED IN AN ARBITRATION THAN IN 
A LAWSUIT. OTHER RIGHTS THAT YOU OR WE WOULD HAVE IN COURT MAY ALSO NOT BE 
AVAILABLE IN ARBITRATION. 

g.  Prohibition  Against  Certain  Proceedings:  IF  YOU  OR  WE  ELECT  TO  ARBITRATE  A  CLAIM:  (1) 
NEITHER  YOU  NOR  WE  MAY  PARTICIPATE  IN  A  CLASS  ACTION  IN  COURT  OR  IN  CLASS- 
WIDE   ARBITRATION,   EITHER   AS   A   PLAINTIFF,   DEFENDANT   OR   CLASS   MEMBER;   (2) 
NEITHER YOU NOR WE MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN AN 
ARBITRATION;  (3)  CLAIMS  BROUGHT  BY  OR  AGAINST  YOU  MAY  NOT  BE  JOINED  OR 
CONSOLIDATED  WITH  CLAIMS  BROUGHT  BY  OR  AGAINST  ANY  OTHER  PERSON;  AND  (4) 
THE  ARBITRATOR  SHALL  HAVE  NO  AUTHORITY  TO  CONDUCT  A  CLASS-WIDE 
ARBITRATION,  PRIVATE  ATTORNEY  GENERAL  ARBITRATION,  OR  MULTIPLE-PARTY 
ARBITRATION. 

h.    Public Injunctive Relief. If a Claim is brought seeking public injunctive relief and a court determines that the 
restrictions in the Class Action Waiver and/or elsewhere in this Arbitration Provision prohibiting the arbitrator 
from  awarding  relief  on  behalf  of  third  parties  are  unenforceable  with  respect  to  such  Claim  (and  that 
determination becomes final after all appeals have been exhausted), the Claim for public injunctive relief will be 
determined  in court and any individual Claims  seeking  monetary relief  will be  arbitrated.   In such a case the 
parties will request that the court stay the Claim for public injunctive relief until the arbitration award pertaining 
to individual relief has been entered in court.  In no event will a Claim for public injunctive relief be arbitrated. 

i.  Location and Costs of Arbitration: Any arbitration hearing that you attend in person must take place at a location 
reasonably convenient to you, as determined by the arbitrator. Each Administrator charges fees to administer an 
arbitration proceeding and the arbitrator also charges fees. This includes fees not charged by a court. If either you 
or we require a Claim to be arbitrated, you may tell us in writing that you cannot afford to pay the fees charged 
by the Administrator and/or the arbitrator or that you believe those fees are too high. If your request is reasonable 
and in good faith, we will pay or reimburse you for all or part of the fees charged to you by the Administrator 
and/or arbitrator. Also, we will pay these fees if applicable law requires us to, if you prevail in the arbitration or 
if we must bear such fees in order for this Arbitration Provision to be enforced. We will not ask you to pay or 
reimburse  us  for  any  fees  we  pay  the  Administrator  or  arbitrator.  We  will  bear  the  expense  of  our  attorneys, 
experts and  witnesses. You  will bear the expense of  your  attorneys, experts and  witnesses if  we  prevail in  an 
arbitration. However, if you are the Claimant, we will pay your reasonable attorney, expert and witness fees and 
costs if you prevail or if we must bear such fees and costs in order for this Arbitration Provision to be enforced. 
Also, we will bear any fees and costs if applicable law requires us to do so. 

j.  Governing Law: This Arbitration Provision is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (the 
“FAA”), and not by any state arbitration law. The arbitrator must apply applicable substantive law consistent with 
the  FAA  and  applicable  statutes  of  limitations  and  claims  of  privilege  recognized  at  law.  The  arbitrator  is 
authorized to award all remedies permitted by the substantive law that would apply if the action were pending in 
court (including, without limitation, punitive damages, which shall be governed by the Constitutional standards 
employed  by  the  courts).  At  the  timely  request  of  either  party,  the  arbitrator  must  provide  a  brief  written 
explanation of the basis for the award. 

k.  Right to Discovery: In addition to the parties’ rights to obtain discovery pursuant to the arbitration rules of the 
Administrator,  either  party  may  submit  a  written  request  to  the  arbitrator  to  expand  the  scope  of  discovery 
normally allowable under the arbitration rules of the Administrator. The arbitrator shall have discretion to grant 
or deny that request. 

l.  Arbitration Result and Right of Appeal: At the timely request of either party, the arbitrator shall provide a written 
explanation for the award. Either party may appeal the arbitrator’s decision within 30 days to a single arbitrator 
or a three-arbitrator panel selected in accordance with the Administrator’s rules, which shall resolve the Claim 
without regard to the original decision. We will pay the entire cost of an appeal unless we are willing to have the

  
appeal  decided  by  a  single  arbitrator  and  you  insist  upon  a  three-arbitrator  panel.  In  such  event,  you  will  be 
responsible for paying your portion of the difference in arbitration fees between a single arbitrator and a three- 
arbitrator panel, as determined by the panel. However, we will pay all costs to the extent required by law and/or 
required to enforce this Arbitration Provision. The original award or any subsequent award on the appeal described 
above shall be final and binding, subject to any further right to appeal provided by the FAA. The arbitrator’s award 
may be entered by any court having jurisdiction. 

m.   No Preclusive Effect. No arbitration award involving the parties will have any preclusive effect as to issues or 
claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior 
disputes  involving  other parties  have preclusive  effect  in  an  arbitration  between  the parties  to  this  Arbitration 
Provision. 

n.  Rules  of  Interpretation:  This  Arbitration  Provision  is  binding  upon  and  benefits  you,  your  respective  heirs, 
successors and assigns. This Arbitration Provision also is binding upon and benefits us. This Arbitration Provision 
shall survive the repayment of all amounts owed under this Agreement, any legal proceeding and any bankruptcy, 
to  the  extent  consistent  with  applicable  bankruptcy  law.  This  Arbitration  Provision  survives  any  termination, 
amendment, expiration or performance  of  any  transaction between  you  and us  and  continues  in  full  force  and 
effect  unless  you  and  we  otherwise  agree  in  writing.  In  the  event  of  a  conflict  or  inconsistency  between  this 
Arbitration Provision, on the one hand, and the applicable arbitration rules or the other terms of this Agreement, 
on the other hand, this Arbitration Provision shall govern. 

o.  Severability: If any portion of this Arbitration Provision is deemed invalid or unenforceable, such a finding shall 
not invalidate any remaining portion of this Arbitration Provision, this Agreement, or any other agreement entered 
into by you with us. However, notwithstanding any language in this Arbitration Provision or this Agreement to 
the contrary, the Class Action Waiver is not severable from the remainder of this Arbitration Provision and, in 
the event that the Class Action Waiver is held to be invalid and unenforceable, and subject to any right of appeal 
that  may  exist  with  respect  to  such  determination,  any  class  action  or  representative  proceeding  shall  be 
determined in a court of law and will not be subject to this Arbitration Provision. 

p.  Notice and Cure; Special Payment: Prior to initiating a lawsuit or an arbitration proceeding under this Arbitration 
Provision, the Claimant shall give the other party or parties written notice of the Claim (a “Claim Notice”) and a 
reasonable opportunity, not less than 30 days, to resolve  the Claim. Any Claim Notice to  you shall be sent in 
writing  by  mail  to  the  address  you  have  provided  in  your  Card  application  (or  any  updated  address  you 
subsequently provide). Any Claim Notice to us shall be sent by mail to PO Box 89028, Sioux Falls, SD 57109- 
9028 (or any updated address we subsequently provide), attn: ARBITRATION.  Any Claim Notice you send must 
identify  yourself  by  including  your  name,  address  and  Account  number.  Any  Claim  Notice  must  explain  the 
nature of the Claim and the relief demanded. You may only submit a Claim Notice on your own behalf and not 
on behalf of any other party.  The Claimant  must reasonably cooperate in providing any  information about the 
Claim that the other party reasonably requests and must give the other party a reasonable opportunity to respond 
to the demand for relief. If: (i) you submit a Claim Notice in accordance with this paragraph on your own behalf 
(and  not  on  behalf  of  any  other  party);  (ii)  we  refuse  to  provide  you  with  the  relief  you  request;  and  (iii)  an 
arbitrator subsequently determines that you were entitled to such relief (or greater relief), the arbitrator shall award 
you at least $7,500 (not including any arbitration fees and attorneys’ fees and costs to which you may be entitled). 

YOUR BILLING RIGHTS 

KEEP THIS NOTICE FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Monthly Billing Statement 

If you think there is an error on your monthly billing statement, write to us at the address listed on your monthly billing 
statement.  In your letter, give us the following information: 
•   Account information: Your name and Account number. 
•   Dollar amount: The dollar amount of the suspected error.

  
 
 
 
 
 
 
 
 
•   Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you 

believe it is a mistake. 

You must contact us: 
•  Within 60 days after the error first appeared on your monthly billing statement. 
•  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you 

think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate 
any potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we 

have already corrected the error. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill 

is correct. 

While we investigate whether or not there has been an error: 
•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
•  The charge in question may remain on your billing statement, and we may continue to charge you interest on that 

amount. 

•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
•  We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 
•   If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that 

amount. 

•   If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable Interest 
Charges and Fees. We will send you a statement of the amount you owe and the date payment is due. We may then 
report you as delinquent if you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that 
you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning 
your  bill.  We  must  tell  you  the  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those 
organizations know when the matter has been settled between us.  If we do not follow all of the rules above, you do 
not have to pay the first $50.00 of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in 
good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on 
the purchase.  To use this right, all of the following must be true: 

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the 
purchase price must have been more than $50.00. (NOTE: Neither of these are necessary if your purchase was based 
on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 

2. You  must have used  your Card for the Purchase. Purchases  made  with  Cash Advances from an  ATM or with a 

check that accesses your Account do not qualify. 
3. You must not yet have fully paid for the Purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 
The Bank of Missouri 
PO Box 89028 
Sioux Falls, SD 57109-9028

  
 
 
 
 
 
 
 
 
 
 
 
While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as  discussed  above.  After we finish our 
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may 
report you as delinquent. 

State Disclosures 

California Residents: A married applicant  may apply for a separate Account. As required by law, you are hereby 
notified that a negative credit reporting reflecting on your credit record may be submitted to a Consumer Reporting 
Agency if you fail to fulfill the terms of your credit obligations. After credit approval, each applicant shall have the 
right to use the Account up to the limit of the Account. 
Delaware Residents: Service  charges not in  excess of those  permitted  by law  will  be charged  on  the  outstanding 
balances from month to month. 
New York and Vermont Residents: We may obtain a consumer report for any legitimate purpose in connection with 
your Account or your application, including but not limited to reviewing, modifying, renewing and collecting on your 
Account. Upon your request, we will inform you of the names and addresses of any Consumer Reporting Agencies 
that have furnished the reports.  New York residents may contact the New York State Banking Department (1-877- 
226-5697) to obtain a comparative list of credit card rates, fees and grace periods. 
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all 
credit worthy customers, and that Consumer Reporting Agencies maintain separate credit histories on each individual 
upon request. The Ohio Civil Rights Commission administers compliance with this law. 
Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement, or court order 
applying to marital property will adversely affect a creditor’s interests unless prior to the time credit is granted, the 
creditor is furnished with a copy of the agreement, statement, or court order, or has actual knowledge of that provision. 

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