C]REDI'I ,{GREEMEI\T  AND  TRTI'|H IN LENDING  DISCLOSLTRES
Nr:w Yolk Residents:  RETAIL  INST{LMENT  CREDIT  AGREEMENT

Annual Percentage
Rate (APR)for
Purchases

31.99%

How to Avoid  Paying
I nterest

Your  due  date is at  least  25 days after  the  close  of
each billing  cycle.  We  will notcharge  yc,u  any
interest  on purchases if you pay your entire
balance  if full by  the  duc  date  every month  lf we
do not  receive  the  full amount  due (the  "New
Balance"  shown  on your  monthly  statenent)  by  the
payment  Due Date  every month,  interest  wiil  be

Minimum  Interest  Charge

lf you are charged interest,  the  charge  vrill be no
less  than $0  50

For  Credit  Card Tips
from  the  Consumer
Financial  Protection
Bureau  ("CFPB")

To  learn  more about  factors to  consider  when
applying  for  or  using a credit  card,  visit  the website
of  the  Consunrer  Financial Protection Bureau  at
httpJ/www consumerfinance  gov4eeMqe.

Penalty  Fees
.  Late Payments
.  Dishonored  Payments

Military Lending  Act Disclosure:  Federal law  provides  important
protections  to members  of the  Armed Forces  and  their dependents
relating  to  extensions  of  consumer  credit  In  general,  the cost  of
consumer  credit  to  a member  of thr:  Armed Forces  and his o'  her
dependent  may  not exceed an annual percentage  rate  of  36  percent
This  rate  must  include,  as applicable  to the credit  transactior  or
accounl:  The  costs  associated  witl' credit insurance premiunts;  fees
for  ancillary  products  sold in connectton  with the credit  transaction;
any  application  fee charged  (other  than cefiain  application  fees  for
specified  credit  transactions  or  accounts); and any  participat  on fee
charged  (other  than  certain participation  fees  for  a credit carrj
account)  To hear disclosures  related  to the Military Lending Act,
olease  call  this toll-free  number; 1-800-844-8249..

How We  Will Calculate  Your Balance:  We use  a method  called  "Avetage
Daily  Balance"  (including  new  purchases)  Sere  your account  agreement  for
more  details.

Billing  Rights:  Information  on your rights  to dispute lransactions and how  to
exercise  these rights  is  provided  in your  Agreement.

This is  a consumer  credit contract.
This Credit  Agreement  ("Agreement")  is our contract  with you.  Please  read
it carefully. In this  Credit  Agreement:
"Account"  means  the open  end credit  account You  establish  with  Thr:  Bank of
Missouri,  St, Robert,  MO  under this  Agreement  "Application" means your
request  for credit  (opening  of this Account)  that You signed  "Purchase"  means
a transaction  made on your  Account  to purchase  goods  or services  from the
retailer  identified  in the  application  for  this  Agreement  "We,"  "us,"  and  "our''
refer to The  Bank of  Missouri  and any  person  to whom  Bank  as:;igns  this
Agreement  or its  rights  and/or  obligations  under  the Agreement  ("A;signee")
"You,"  you," Your''  or  "you/'  means  every  individual who signs the Application
for  the  Account  and  who is authorized  to charge purchases  of gocds to the
Account

1. We May  Assign  Our  Interest in Obligations Owed  Pursuant  to This
Agreement:  We may  assign  our interest in any  obligations  owed  pursuantto  the
Agreement  to Tidewater Finance  CompanyTM,  P. 0. Box 13306,  Chesapeake,
VA 23325.  Phone  1-888-413-1083,  though  we are not obligated to do so 'Ne
may  also  assign the  Agreement  al our discretion  to any  party we  choose,
Tidewater  Finance  CompanyrM  will  service  your  Account on our  behalf
2. Use of  Account  and Your  Promise  to  Pay:  Your Account  is a credit  lint:  in
the amount  of your credit limit,  which will be  communicated  to you at the  timer of
credit  approval.  You  may  use  the Account to make  Purchases  in accordance  vrith
the terms  of this  Agreement.  Any  Purchases  will  reduce  the  credit  available  unler
the  credit  limit  by  the  amount  of the Purchase  As  you  repay  those  amounts,  ycur
available  credit  will be  restored by the  amounts you repay  (though  there  may  be
a delay  in restoring  avarlable  credit after  funds are  received  from  your bank) lf
we  allow  you to make  Purchases  that  exceed  your  credit  limrt,  you  agree  lo rel)ay
those amounts immediately upon demand You  may  access  the unused porlion
of the credit  limit  so  long as  you  are  not in default  under this Agreemenl.  )'ou
agree  to pay  for  all Purchases You or anyone you authorize  to use  the Account
charge  to the Account, and all  other charges assessed  to  the  Account underthe
terms  of this  Agreement,  When  You  sign  the Application You  agree  to every  lorm
in this  Agreement  Therefore,  read this entire Agreement, including  the cost-of-
credit  disclosures  required  by federal  and/or  state  law, before  You  sgn
3. The Cost  of Credit:

A.  Interest Charge  Accruals:  An interest charge  will accrue  from the cate
of  any  Purchase  or other advance  you make  pursuant  to  this  Agreement
B. Promotional Plan ("Promotional  Plan"): lf You  make  a purchase  us;ing
a Promotronal  Plan, including  any deferred  interest  financing  program, we
will  communicale the terms of the Promotional Plan  at the  time of the olfer
lf the  Promotional  Plan  is  a defened  interest  program,  you  must  make tinrely
minimum monthly  payments and must pay  your  promotional  balance  rn  full
within the promotional  period  in order to avoid berng assessed  inte-est
charges  that  accrue  during  the promotional  period  from the date of  the
purchase  lf you  fail to do  so, you must repay  all interest  that has  accrued
on the promotional  balance  from the  date  of purchase
C. Monthly  Terms:  An interest  charge  will be  imposed  at the monthly
periodic  rate  of 2.666%,  which  equates  to  an annual  percentage  ratr:  of
31 99% Interest charges  will  accrue  from the  Purchase  date,  except  that
no interest  charges  will be added  if each  month  you  pay  your  enlire balance
in full by the Due Date.  lf we do not receive  the full amount  dur:  (the"llew
Balance"  shown on your  monthly  statement)  by the payment Due Date, an
lnterest Charge  wtll be imposed, Interest  mav  be on vour  statemcnt
evcn if the New  Balance  is paid  in full. on  time  anrl no )ieu
Purchases post  to vour account.  This  is referred to as trailj4g
ncc
'om
is paid in
t)u r
At any time,  You  may  pay'\'our
total unpaid  balance  including  any  accrued  interest  and/or  other  charges
without a penalty,
D. We  Compute  the  Interest  Charge  Using the Average  Daily Balance
Method:  We compute  the  interest charge  on  the Account by applying the
monthly  periodic  rate shown  to the average  daily  balance  (inc;luding  new
purchases) of the  Account.  To get  each day's  daily  balance, r,tre  take the
Account's balance  atthe beginning  ofthe day,  add  any  new  Purohases,  and
subtract  all payments  or credits  This  gives  us the daily  balance  Any  unpaid
late  fees,  returned  payment  fees,  or convenience  fees,  and  any accrued  and
unpaid  interesl  charges are not  added  to the  daily  balance  and  are  not  oart
of the  Average Daily Balance  Any  negative balance  (a  credrt  balance) is
treated as $0  Notwithstanding  anything  to the  contrary  above,  any portion
of a balance  that is repaid  while subject [o a grace period  for  int<:resl
Purchases  is excluded  from  the average  daily balance  and will not  rncur
interest  charges We then add up all the daily balances  for  the billing  c;ycle
and drvide  the total  by the  number of days  in the billing  cycle, which  e ives
us the Average Daily Balance
E. Billing  Statements  and Billing Enor  Rights: We will provide  a periodic
billing  statement  at the end of each billing  cycle in which you have accounI
activity  or  a credit  or  debit balance  The periodic  billing  stateme;nt  will  r;how
your  Account  balance  at  the  end  of  the billing cycle  reflected  in the staletnent

("New  Balance"),  your Monthly  IMinimum Payment and  other  Account
information  (including  transactions  and charges)  Information  about  Your  right
to  dispute  transactions  is  included  in Paragraph  22 of this Agreemenl
F. Minimum  Interest  Charges:  lf the interest charge  resulting  from
application  of the above  stated  monthly periodic rate is less than  lD 50, we
will  impose  a minimum  finance  charge of  g 50
G.  Additional Fees  and Charges:  lf you  make  an expedited  paynlent  with
the  assislance  of a customer  service representative,  you will  be charged  a
convenience  fee  of  $8 00, except  as prohibited  by applicable  law

4,  The Amount  of Your  Monthly Minimum  Payment  lf there is a balance
greater  than  $74  99 on  your  account,  Your  Monthly  minimum  payment  is  the
greater of $75 or 7 5%  of the  New Balance reflected  on your  billing statement  ,
but rn no case  will the  l\4onthly  Minimum  Payment  exceed  9250. The Total
Payment  Due may exceed  $250 if the account  is delinquent  and  alditional
purchases  may increase the monthly  payment, We reserve the  right to change
your  minimum  payment  requirements from  time to time, subject  to  any notice
requirements
5. How  We Will Apply  Your Payments:  We will  apply  payments we re,ceive in
the  following order:  first, to accrued late  fees and credit service charges, next  to
the oldest  past due  minimum payment, then  the  next  oldest  past  due rrinimum
payment,  etc ; second,  to the  current  minimum  paymenl due; third,  to other  unpaid
fees arising  under  this Agreement,  excepl  we will  apply  payments  in a different
order  where required  or allowed  by  law
6.  What  Happens  if You  Break  Your Promises and Default: lf you  dc  not  pay
any  Monthly  Minimum  Payment  on  time (or within  10 days of the due  date in  A),
or,  to the extent  not  prohibited  by law,  if the prospect of payment  or performance
is  significantly impaired,  the  Account  will be in default  Subject  to any  nctice  and
right  you  may  have  to  cure  the  default,  we  may  declare the  entire  unpaid  balance
on  the  Account  due and  payable  (except in Wl you  will not be  in default  lntil  you
fail  to  make  a Monthly  lMinimum Payment  on two occasions  within any 12-month
period)  lf after  default the  Account  is referred  to an attorney  who is not  our
salaried  employee,  you  agree  to  pay  our  reasonable  atiorney's  fees,  to the  extent
not prohibited  by  law  You also  agree  to  pay reasonable  collection  costs  end court
costs incurred  in  collecting  on this  Agreement  or  enforcing  our rights in  the
Agreement, to  the  extent  not prohibited by law  Notwithstanding  anything  to  the
contrary  above: Utah  residents:  Collection Fees  and  Rights  Upon Default: You
understand  and  accept  that if you  fail to pay  your account  by the scheduled  due
date, We  may refer your delinquent  account  to an attorney  or a third  party
collection  agency to collect what  you  owe,  and  you  are responsible for  paying
the attorney  fees or third party  collection agency  fees  which may be bas;ed  on  a
percentage  at a maximum  of 40 percent  (40%) of your  delinquent  tccount,
together  with all costs  and  expenses.  Attorney  Fees available  to Non-D,:faulting
Pa(y:  In the event  either party  defaults  in any of the  terms  or  provisiors  of  this
Agreement,  the non-defaulting party  shall  be  entitled  to  recover  its,  hir; or  her,
reasonable  attorney's  fees, whether or  not  suit is  commenced  or final  ludSment  is
obtained

: lf you  successfully  assert  a partlal  defense  or
counterclaim,  the  court  may withhold  part  or  all of  any  attorney's  fees  to vrhich we
may be entitled 
: lf you are  in default,  we  may require you to
repay  the  entire  unpaid  principal  balance,  and  any  accrued interest  at onr;e  You
agree  that  we  do not  have  to  give  you  notice  that we are  demanding or  ntend  to
demand  immediate  payment  of  all that  you  owe
7. How You  Must  Contact  Us lf You  Try to  Settle  the Account  for  Less  Than
the Total Unpaid  Balance:  All communications  about  disputed  €mounts,
including  any check  or  other  payment  instrument  in any  amount  less than  the total
unpaid  balance  that  is  marked  "paid  in full,"  any  payment  tendered  with  conditjons
or  limitations,  or that you  othenruise  tender as full satisfaction  of a lisputed
amount,  must be directed  to customer  service  at our  street  address  shown  on
your monthly  statement  We  will not lose  any of our rghts by depositinl;  such a
payment  See  Paragraph  16
L Arbitration  of Disputes.No  Jury Trials or Class  Actions:
COVERED  MILITARY BORROWERS:  lf you  are  a "covered bonower,"  ts
defined under  the Military  Lending  Act,  10 U S C g 98/, as amended, (i) the
"Arbitration  Provision,' (ii) any waiver of right to legal  recourse under any siate
or federal  law  and  (iii) any other provision  in this  Agreementthat  is  not
enforceable  against  you  under  the Military  Lending  Act  does not  apply  tc you  so
long  as you  are  a"covered  borrower  "
This  paragraph  describes  Claims  that  will  be arbitrated  instead  of litigated  in court.
Claims  include,  but  are not  limited  to, disputes,  rights,  actions  and claims between
you  and  us which preceded  or directly or  indlrectly arose  from this Agreement or
the  relationship  between  you  and  us involving  this  Agreement  You  and  vve  agree
to  arbitrate  all  Claims  in any  way  related  to  the  formation, interpretation,  e)tecution,
performance  and  enforcement  of this Agreement

Claims  to  be  arbitrated  include.

. 

. 
. 

. 

. 

tort claims,  whether unintentional,  intentional,  negligent  or grossly
negilgenr;
express  or implied  contract claims;
claims based  directly  or  indirectly  on the Uniform  Commercial  Code,or
other  state  law  or  regulation;

claims arising  in whole or  in part  from  a federal statute,  inr;luding  :hel
Truth-in-Lending Act, Fair Credit  Reporting  A,ct, Equal  Crr:dit
Opportunity  Act, FTC  Act,  or the  Consumer Financial  Proter;tion  Act of
201  0 and
claims  regarding  this agreement  to  arbitrate,  inclLrding  whether  i  is;
void,  voidable,  a conlract  of  adhesion,  fails  for  lack  rrf  consideration,  is;
procedurally or subslantively  unconscionable, or is contrary to publir;
polrcy

You  and we  agree  that  an  arbitrator,  not a federal  or  state  courl  regulatory  agency
or public  or private  mediator,  has the  exclusive  authority  to  resofve all Claims
YouorwemayelectthataClaimberesolvedbyarbitration  lfweelecttoreqlire:
that a Claim be  resolved  by arbitration but  you  do not  exerciser  your rioht  to elect
thattheClaimbearbitrated,theClaimwill  bearbitrated  lfneitherwenoryouelect
arbrtration,  the  Claim  will  not  be resolved  by  arbitration  but  will  be litigated  in court
All arbitration under  this Paragraph I will be  by and under  the rules  (the  "Rules")
of the  American  Arbitration  Association  ( AAA')  in effect  when the Clairn  is made
We  will  substitute  another  nationally  recognized  arbitration  rtrganization  using
procedures  similar  to the Rules if AAA does  not serve  or  if you  ask us  1o  For lhe
AAA  Rules  currently  in effect, call  AAA  at 800-925-0'155 or visit  iis webs;ik;
(http://www  adr,org)
lf we or you request arbitration of a Claim, you  and  we will  not have  the  righr  to
litigate  the Claim in court  This means:

. 
. 

o 

. 

. 

there  will be  no  judge or jury  trial  on  the Claim;
no pre-arbitration  discovery  will be permitted  except  as the Rules;
permit;
lou  will arbitrate  your  Claim  only  - no  CIaim can  be arbitrated or:  a
class  or  representative basis;
neither  we  nor you  will  have  the right  to  participate  as  a representative
or member  of  any class of persons  pertaining  tc, any Claim  being
arbitrated;  and,
an  arbitrator  will  have no power  or authority  to arbitrate  Claims  of
multiple  persons  simultaneously or in conjunclion rrrith one another

Generally,  an  arbitratofs decision  is final and  binding  Other  rights  you  woulcl
have in court  may not be available  in arbitration Neither  you  nor we waive  lhe:
right  to  arbitrate  by filing  suit until  a final  judgment  is rendered
Arbitration  hearings  will take place in  the  federal  judicial  dir;trict in  which  you
reside  lf you  ask  us in writing, we  will  temporarily  advance  you the filirg,
administrative, and hearing  fees for the arbitration of your Clerim  against us (cut
not  if the Claim is against  you) in excess of any  filing  fee you  would have  hacl  to
pay  to file the  Claim in a state or  federal  court  (whichever is less) in the judir;ial
district  in which  you  reside  The  arbitrator  will  decide  if you  have to repay  the
advance lf you must repay,  you agree to do so The arbitrabr  may rnake  otrer
rulings  regarding  your and  our payment  of filing, administrative,  and heraring  fr;es;
as  required  by law or  necessary to assure  that  this  Paragraph  B is  enforceable
Unless  unlawful.  you  and we  will  each  pay  our  own  lawyers',  experts'  and witnr:s:;
fees in all situations related  to arbitration
Paragraph 8 is governed  by the  Federal Arbitration  Act  ("FAr\")  The arbitrator
wil  apply  substantive  iaw  consistent  with  the  FAA  The arbitrator will  apply  all
applicable  limitations  periods  and will  honor all valid  privilege and work-product
claims  lf the  Rules and Paragraph  8 conflict,  Paragraph  8 governs  Either  you
or we may  enter  judgment  on  the arbttrato/s  award in any  court  with  lurisdiction
The arbitrato/s  decision  will  be final  and  binding,  except  for  any appeal  right  under
the FAA Unless  olherwise ordered  by  the arbitrator,  the  appealing  party  will pay
aooeal  costs,
You  may opt out ofthis Paragraph  8 by sending  a notice  of your election  to
do so to  Tidewater Finance CompanyTM,  P.0.  Box  '13306, Chesapeake,  Vt\
23325-3306.  The election  to opt  out must  be signed by all persons  obligat:ed
on  the  account  and postmarked  no later  than  10 days  frorm the date  of this
Agreement.
9. What  You Agree to Pay if a Payment  ls Dishonored:  lf you  us;e  a chr:ck
or electronic  payment  to  make  payment  on the Account  and it is returned  or
dishonored  for any reason, including  insufficient  funds, we may  impose a fee of
$26  that will  be  charged  to the Account,  except  that if a payrnent is  returnecl  or
dishonored  again within  six billing  cycles  of a prior  return or dishonor,  you  wi  I
be charged $35 However, thc  amount of the fee will not exceed the amount of

the required  mtnimum periodic  payment  due  immediately  prtor  to ass€ssment
of  the  fee
10.  What  You Agree  to  Pay  if Your  Payment  is Late:  lf we do  not  receive  a
monthly mrnimum  payment  within  10 days of its  due  date, we will  impose a late
fee in the amount  of  $26,  except  that if you  are late  again  within six billin3  cycles
of a prior violation,  you  will  be charged  $35, However,  the  late fee  will  nol  exceed
the  amount  of lhe returned  minimum periodic payment  due immediately  prior  to
assessment  of the late  fee
11. How We May  Cancel or Limit Your Credit: We have  the  right  at  anv  time  to
lrmit or terminate the  use  of the Account  and  increase or reduce  the  cr':dit  ltmit
without giving you advance  notice,  except to the  extent  prohibited by applicable
law lf our authorization  system  is not working, we may  be  unable  to aulhorize  a
transaction  even if you  have  sufficient  available credii we will  not  be liable  to
you  if this  happens  We  are  not responsible  for  the  refltsal of anyone  to  a ccept  0r
honor  an additional  Purchase on the Account, lf you close  the  Account,  you
remain  responsible  for  any  unpaid  balance
12.  How  The  Account May  Be Closed  lf lt ls Not Used:  We  will treat  the  Account
as closed  if.  (1  ) lt has  a zero  balance,  and  (2)  You do not  use  any  of its  available
creditwithin  12 months  of the balance  reaching  zero ('lB months in CA)
13.  We May Change this Agreement:  We may  change any  ternr  of  this
Agreement,  including  the  Annual  Percentage  Rate of interest  cha.ges,  by
furnishing  you any notice of  the change  required  by  law and, if reqttired,  an
opportunity  to reject  the  change  lf permitted  by law, we  may  apply  any  nr)w  terms
to  existing  Account  balances  and  laler  transactions
14.  We  May  Investigate  and Report  Your  Credit:  You authorize  us to inYestigate
your credit history  by obtainrng  credit reports and making  direct  incuiries  of
businesses  including,  but not  limited  to where you  have accounts, placr:s  where
you work(ed),  and your landlord(s) We  may  request  credit  reports from  credit
reporting agencies  to consider  your Application  and in connection with  updates,
renewals,  extensions  of additional  credit  or colleclion  of thc Accounl  lf you
request,  we will  tell  you  if a credit  report was requested  and  the  namc  anc  address
of the credit reporting  agency  that  furnished the repor:  You also author  ize  us t0
report  your performance  under  this Agreement to credit  reporting agen:ies' and
others  who may  legally  receive  such information  lmportant  Information  About
Credit Reporting:  We may  report  information  about  your  account  to credit
bureaus.  Late payments,  missed  payments,  or other  defaults  on your
account may be reflected  in your credit  report.
15.  How  You  May Dispute the  Accuracy  of Credit  Information  Wr,'Repod
About You: lf you  believc  we have  reported inaccurate information abcut you  to
a credit reporting  agency,  please  contact us  though our  servicer, l'idewater
Finance CompanyTM,  at P O Box  '13306, Chesapeake,  VA 23325-330i,  When
you contact  us, identify  the  information in question,  tell us why  you  believe it  ls
inaccurate,  and  provide  any  documentation  that  supports your  belief  lf you  have
a credit report  that  includes  the  information  that you  believe is inaccurate,  send  a
copy  of that report  to  assist  our  investigation
16.  We  Do  Not  Waive Our Rights:  Yotr  ag ree  we  have  the  right  to delay  or ref rain
from  enforcing  our rights  under this  Agreement  without waiving th,:m  For
example,  and without  limitation, we may extend  the time  you  have  t0  make  a
payment  without  extending the time to make  other  payment(s); we may  accept
postdated checks,  payments  tendered with  conditions  or limitations  arld  accept
laie  or partial  payments  without  waiving  our  right  to  demand  that  future  layments
be made  in full  when  they  are  due,  and  we may  forgive  a pafiicular  charge  or fee
without  waiving  our  right  to  impose  that  charge  or fee in the futurc  Wc  'ruill  not bc
liable  for  depositing  postdated  checks you  may  send
17.  We  May  Monitor  and/or  Record  Telephone  Calls: To assurc  that you
receive  the best possible  customer  service and that  our  e mployees ccmply  with
the law  and our policies,  you agree  that telephone  calls may bc relordcd  0r
listened  to  by  us
18.  You  Must  Notify  Us  When  Your  Address Changes:  You agree  tc) promptly
notrfy us in wriiing  of your new address  if you  movc or change  your mailing
address  Until  you  give us  nolice of a new address,  we may  send  monthly
statements  and  other  notices to the  address  we have on rrlcord for
the Account
19. What  Law Governs This  Agreement:  This  Agreement  will  be  t;onstrued,
applied,  and governed by federai law,  and to  the  extent not  preempted  by  federal
law,  the  laws  of  the Stato  of  Missouri  (pursuant  to Mrssouri  Revtserd  Statute
408 145, we  rely  on  Nebraska  law  for rates  and  fees lmposed ttnder this
Agreement)  Our ability  to collect attorneys'fees,  collection  and courl  costs  will
be governed by the law of your state of residence  The  Agreement  s the  final
expression  of the credit agreement  between  the parties and it may  not  be
contradicted  by evidence  of  an  alleged  oral  agreement

20. When This Agreement  Becomes  Effective: This  Agreement  is  not  effective
until  we  approve your Application  and you or someone  authorized by you signs
an  invoice  or othemise  charges a purchase  to  the Account
21. Additional Federal and  State Law Disclosures:

ou  may  pay  the outstanding  balance of  your  Account  in ful
at any  time without  penalty,  Service  charges  not  in excess  of tholle  permitted  by law
will  be  charged  on the  outstanding  balances  from  month  to  monlh,

lowa  Residents:  This is  a consumer  credit transaction.
Ueryllld legldqlg:  This Agreement  is governed  by Subtitlr:  9, Titler  12  of  tner
fi/aryland Commercial Law  Article
Missouri  Residents:  Oral agreements  or commitments  to loan money,
extend  credit  or to  forbear from  enforcing  repayment  of a debt including
oromises  to extend  or renew  such  debt are  not enforceable.  To protect  you
(borrower(s))  and  us (creditor)  from misunderstanding or  clisappointment,
any  agreements we reach  covering  such matters  are co,ntained  in this
writing,  which  is the complete and  exclusive  statement  ol the agreement
between  us, except  as we  may later  agree  in writing to modify it.
New  Hampshire Residents: You will  be  entitled  to  reasonable  attorney's
fees  if you prevail in any action,  suit or proceeding brouglrt  by you or us
lf you  successfully  assert a partial  defense  or set'off,  recoupment  or
counterclaim  to  an action  brought  by us, the  couft may  withhold  from  us
the  entire  amount or such  pottion  of the attorney  fees as the couft
considers  equitable.
New  Jersev  Residents:  This agreement  applies  to residents  of  multiple  stales,
and certain  provisions  in this agreement may be  void,  lnenforr;eable or
inapplicable  to residents  in states other than  New Jersey  None of  these
provisions are void,  unenforceable  or inapplicable  l.o New  Jersey
residents  However,pleasenotOthat,ifyourestdeinNewJeri;ey,anycollection
fees  imposcd  upon  default  arc limited  to  20%  of the  principal  balance  ard
interestoutstanding  In addition,  we  will  not  accelerate  the  balance  solely  on  tt"c
basis  lhat  we deem  ourselves t0 be  Insecure
New  York Resident!: New York  residents  may contact  the New'/ork  stat()  department
of financial  services  by  telephone  or visit its website  for free information  on comparative
crcditcardrates,fees,andgraceperiods  Calll-800'342-3T36orvisltwwwdfsnygov
NOTICE  T0 THE CONSUMER: 1. Do not sign this credit  agreement  before
you read it or if it contains any  blank space.  2. You are entitled to  a
completely filled in copy of this  credit Agreement.
South Carolina  Residents:  The arbitration  provision in this  Note is not
governed  by the  South  Carolina  Uniform  Arbitration Act.
Texas  Residents:  This written loan agreement  represents  the final  agreement
between the parties  and  may not be contradicted  by evidence  of prior,
contemporaneous,  or subsequent oral agreements  of the parties.  There  are
no unwritten  oral  agreements  between the  parties.
Utah Residents:  As required  by  Utah law,  you are hererby  notified  that a
negative  credit  report  reflecting  on  your  credit  record may  be submitted to
a credit  reporting  agency if you fail to fulfill  the  tenns  of your credit
obligations.
West  Virqinia  Residents:  The  provisions  of this  Agreement  that  purport  to  requifc
you  to  pay attorneys'fees  and collection  costs  are void
For Married  Wisconsin  Residents:  You  agree  that this obligation is or will  be
incurred  in the  interest  of  the marriage  or the  family

NOTICE:  As  part of the  bargained  for  consideration  in thit;  Agreement  that
is granted  in this Account,  You  consent  to us and  anv servicer  of the
Account  placing calls  and sending  text  and  email  messages  regarding  the
Account  to any phone  number  or email  address now  or in the  future
associated with  you, that  wireless  seruice providers  may  charge  you for
such communications,  and  you consent  to our  use  of prerecorded  or
artificial  voice messages  and automatic  dialing  dervices  for  such
communications  You  further  agree  that for Application and collection
purposes,  we may  contact  your employer, landlord, referencr:s  and  relatives  to
verify  your  employment, residence, or location unless  prohib ted by  law

Patriot  Act Notice:  Federal  law requires all financial  institutions  to obtain,
verify  and  record  information  that identifies  each  person who  opens  an
account, including your name, address,  date  of birth and othet
information  that will  allow  us to verify your  identity.

NOTICE:  ANY HOLDER  oF  THIS  CONSUMER  CREDIT AGREEMENT  lsi

SUBJECT  TO ALL  CLAIMS AND DEFENSES  WHICH THE DEBTOR C()ULD
ASSERT  AGAINST  THE  SELLER  0F GOoDS 0R SERVICES  oBTAINED
WITH  THE PROCEEDS  HEREOF.  RECOVERY  HEREUNDER  BY  THE
DEBTOR  SHALL  NOT  EXCEED  AMOUNTS  PAID  BY  THE DEBTOR
HEREUNDER.

lf all  of the criteria above  are met and you are  still  dissatisfied  with the purchase
contact  us  in writing  at:

Tidewater Finance  GomPanYTM
P.O.  Box 13306
Chesapeake,  VA 23325"3306,

22.  YOUR  BILLING  RIGHTS

ur resoonsibilities  under  the  Fair Credit

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

Billing  Act,
What To  Do lf You  Find  A Mistake  0n Your Statement
lf you  think  there  is  an error  on your monthly  statement'  write  to us at the  address
listed  on your  statement  ln 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:  lf you  think there  is an error on your  monthly
statement,  describe what you believe  is wrong  and why you believe  it is  a
mrslaKe
You musI  contact  us:
.  Within  60 days  after  the  error  appeared  on  your monthly  statemenl
. 

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  many
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  alsotell 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 investrgate  whether  or not there is  an  error:
.  We  cannot  try to collect  the amount  tn  question, or  report  you as delinquent

. 

on that amount.
The charge  in  question  may remain  on your  statement,  and we  may continue
to  charge  you  interest  on that amount

.  While  you do not have  to pay  the  amount in question, you are rer;ponsible

for the remainder  of your balance

.  We  can  apply  any  unpaid  amount against  your credit limit
After  we  finish  our  investrgation,  one of two things  will happen:
. 

lf we  made  a mrstake:  you will  not have to pay  the  amount in qu3stion, or
any  interest  or other  fees related  to  that amount
lf we  do  not  believe  there was a mistake:  You  will have  to pay  the  amount  in
question,  along  with applicable  interest  and  fees We  will  send  you a rltatement
of the  amount  you owe  and the  date  payment  is due  We  may then  I eport  you
as  delinquent  if you do  not pay  the  amount  we  think  you  owe

lf you  receive  our explanation but still believe your  monthly statement  is wrong,
you  must  write  to  us within  10 days  telling us that you  still refuse  to pay  lf you  do
so,  we canno[ report  you  as delinquent  without  also  reporting  thal 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  tne matter
has  been  settled  between  us
lf we do not follow  all of the rules above,  you do  not have  lo pay  the first $50 of
the  amount  you  question  even if your bill  is correct,

Your  Rights  lf You Are Dissatisfied  With Your  Credit  Card Purchase:i.
lf you  are dissatisfied  with the goods  or  services  lhat  you  have  purchased  with  your
account  and  you  have  tried  in good  faith  to  correct  the problem  wlth  the merchant,
you  may have the  right not  to  pay  the  remaining  amount  due  on the  purchase
To  use this righl,  all of the following must  be true:
1  The purchase  must  have  been made  in your home  state or within  100  miles
of  your  current  mailing  address,  and the purchase  price  must  have  been  more
than $50  (Note:  Neither  of these are  necessary  if your purchase  vuas  based
on an advertisement  we mailed  to you, or  if we  own the  company that sold
you  the goods or services,)

2  You must  have  used  your  credit  card  for the purchase, Purchases nade  with
cash advances  from an  ATM or with  a check that  accesses your 0redlt  card
account  do not qualify

3  You must  not yet  have fully  paid for  the purchase