Fees Fees                         the next secton, Interest Charges will be imposed beginning the date a Purchase  the next secton, Interest Charges will be imposed beginning the date a Purchase  Returned Payment Fee.  If any check or other item tendered in payment of the  Returned Payment Fee.  If any check or other item tendered in payment of the 
                                                                       or  Cash  Advance is  posted  to  your Account  and will  contnue to  accrue  untl  or  Cash  Advance is  posted  to  your Account  and will  contnue to  accrue  untl  amount due on your Account is returned unpaid for any reason, you will be charged a  amount due on your Account is returned unpaid for any reason, you will be charged a 
     VISA� CARDHOLDER AGREEMENT VISA� CARDHOLDER AGREEMENT Set-Up and Maintenance  Set-Up and Maintenance  N N o tc o tc e:  The Annual Fee will be assessed before  e:  The Annual Fee will be assessed before  payment is posted.  payment is posted.  Returned Payment Fee.  The fee will be the lesser of (a) $26.00 if you did not incur  Returned Payment Fee.  The fee will be the lesser of (a) $26.00 if you did not incur 
                                     Fees Fees   you begin using your card and will reduce the  you begin using your card and will reduce the  a Returned Payment Fee during any of the prior six billing periods; otherwise  a Returned Payment Fee during any of the prior six billing periods; otherwise 
  THIS  CARDHOLDER  AGREEMENT  CONTAINS  AN  ARBITRATION  PROVISION.  THIS  CARDHOLDER  AGREEMENT  CONTAINS  AN  ARBITRATION  PROVISION.  amount  of  credit  you  initally  have  available.  amount  of  credit  you  initally  have  available.  How to Avoid Paying Interest Charges on New Purchases (Grace Period).  If you  How to Avoid Paying Interest Charges on New Purchases (Grace Period).  If you  $37.00,   $37.00,   or   or   (b)   (b)   your   your   past   past   due   due   Total   Total   Minimum   Minimum   Payment   Payment   Due   Due   amount.  amount. 
  UNLESS YOU ACT PROMPTLY TO REJECT THE ARBITRATION PROVISION, IT WILL  UNLESS YOU ACT PROMPTLY TO REJECT THE ARBITRATION PROVISION, IT WILL  Based on your inital credit limit of $300.00,  Based on your inital credit limit of $300.00,  paid the New Balance on your prior monthly billing statement by the due date  paid the New Balance on your prior monthly billing statement by the due date  Notwithstanding the foregoing, the Returned Payment Fee for Iowa residents  Notwithstanding the foregoing, the Returned Payment Fee for Iowa residents 
  HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE,  HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE,  your inital available credit will only be $225.00  your inital available credit will only be $225.00  shown on that billing statement, we will not impose any Interest Charges on new  shown on that billing statement, we will not impose any Interest Charges on new  shall not exceed $15.00. shall not exceed $15.00.
  INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION. INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION. (only  $196.00  if  you   choose   to   have   an  (only  $196.00  if  you   choose   to   have   an  Purchases,  or  any  porton  of  a  new  Purchase,  paid by  the due date on  your  Purchases,  or  any  porton  of  a  new  Purchase,  paid by  the due date on  your 
                                                 additonal card).   additonal card).   current monthly billing statement (which will be at least 21 days from the billing  current monthly billing statement (which will be at least 21 days from the billing  Additonal Card Fee.   If you authorize us to issue an additonal  Card  for your  Additonal Card Fee.   If you authorize us to issue an additonal  Card  for your 
  This cardholder agreement (�Agreement�) contains the terms and conditons  This cardholder agreement (�Agreement�) contains the terms and conditons  cycle  closing  date).   New  Purchases are  Purchases  that  frst  appear  on your  cycle  closing  date).   New  Purchases are  Purchases  that  frst  appear  on your  Account,  an Additonal Card  Fee  of  $29.00 will  be imposed  annually  for  each  Account,  an Additonal Card  Fee  of  $29.00 will  be imposed  annually  for  each 
  under which Mid America Bank & Trust Company has agreed to establish a Visa�  under which Mid America Bank & Trust Company has agreed to establish a Visa�  You may stll reject the plan, provided that you  You may stll reject the plan, provided that you  current billing statement.  Cash Advances are subject to Interest Charges from the  current billing statement.  Cash Advances are subject to Interest Charges from the  additonal Card.   additonal Card.  
  credit card Account (�Account�) for you.  The accompanying Pricing Disclosures  credit card Account (�Account�) for you.  The accompanying Pricing Disclosures  have  not  yet used  the  account  or  paid  a fee  have  not  yet used  the  account  or  paid  a fee  date the transacton is posted to your Account.  Unlike  Purchases, this means  date the transacton is posted to your Account.  Unlike  Purchases, this means 
  are part of this Agreement.  This Agreement contains our most current terms and  are part of this Agreement.  This Agreement contains our most current terms and  afer receiving a billing statement.  If you reject  afer receiving a billing statement.  If you reject  there is no tme in which you can pay the balance of Cash Advances in order to  there is no tme in which you can pay the balance of Cash Advances in order to  Express Delivery Fee.  We impose a $35.00 fee for the express delivery of your  Express Delivery Fee.  We impose a $35.00 fee for the express delivery of your 
  supersedes any prior terms you may have received from us.  Please read this  supersedes any prior terms you may have received from us.  Please read this  the plan, you are not responsible for any fees or  the plan, you are not responsible for any fees or  completely avoid Interest Charges on Cash Advances.   completely avoid Interest Charges on Cash Advances.   Card.   Card.  
  Agreement carefully and retain it for your future reference.   Agreement carefully and retain it for your future reference.   charges.   charges.  
                                                                                                          Expedited Phone Pay Fee.  Each tme you contact us to arrange a payment by a 
                                                                       How We Calculate Interest Charges � Average Daily Balance Method (Including  How We Calculate Interest Charges � Average Daily Balance Method (Including  Expedited Phone Pay Fee.  Each tme you contact us to arrange a payment by a 
                                                                                                          draf on your deposit account or by debit or credit card using an expedited service 
  Acceptance of Agreement.  Use of the Card or Account by you or an Authorized  Acceptance of Agreement.  Use of the Card or Account by you or an Authorized  draf on your deposit account or by debit or credit card using an expedited service 
                                     Processing Fee Processing Fee $89.00 (one-tme fee). $89.00 (one-tme fee). Current Transactons).  Interest Charges on Purchases are calculated by applying  Current Transactons).  Interest Charges on Purchases are calculated by applying 
                                                                                                          by a customer service representatve; we will impose an Expedited Phone Pay Fee 
  User  shall  consttute  your  agreement  to  the  terms  and conditons  of  this  User  shall  consttute  your  agreement  to  the  terms  and conditons  of  this  by a customer service representatve; we will impose an Expedited Phone Pay Fee 
                                                                       the  monthly  periodic  rate  (shown  below) to  the  average  daily balance of  the  monthly  periodic  rate  (shown  below) to  the  average  daily balance of 
   Agreement.   Whenever  stated  in  this  Agreement  that  we  may  take  certain                      of $10.00.  This fee will be charged to your Account and will be paid by adding the  of $10.00.  This fee will be charged to your Account and will be paid by adding the 
  Agreement.   Whenever  stated  in  this  Agreement  that  we  may  take  certain  Annual Fee Annual Fee $75.00 for frst year  $75.00 for frst year  Purchases (including new Purchases) for each billing cycle.  To calculate the  Purchases (including new Purchases) for each billing cycle.  To calculate the 
  described acton, this permits us to do so at our sole discreton. described acton, this permits us to do so at our sole discreton. amount of the fee to the amount of the draf.  For purposes of this Agreement,  amount of the fee to the amount of the draf.  For purposes of this Agreement, 
                                                         Afer that, $48.00 annually.          Afer that, $48.00 annually.  average daily balance of Purchases, we take the beginning balance of Purchases  average daily balance of Purchases, we take the beginning balance of Purchases 
                                                                                                          �expedited� means creditng a payment to your Account the same day or, if the 
                                                                       each day, add any new Purchases (including Interest Charges and other Fees and  each day, add any new Purchases (including Interest Charges and other Fees and  �expedited� means creditng a payment to your Account the same day or, if the 
  Efectve Date of Agreement.  Unless you are a resident of the State of New York,  Efectve Date of Agreement.  Unless you are a resident of the State of New York,  payment  is  received afer  the  payment  cut-of   tme  (5:00  pm  CST), the  next  payment  is  received afer  the  payment  cut-of   tme  (5:00  pm  CST), the  next 
                                     Monthly Servicing  Monthly Servicing 
   this Agreement is efectve upon the earlier of (1) the frst Purchase made or Cash  None for frst year (introductory) None for frst year (introductory) charges), and subtract any applicable payments  and credits.  This gives us the  charges), and subtract any applicable payments  and credits.  This gives us the 
  this Agreement is efectve upon the earlier of (1) the frst Purchase made or Cash                        business day.
                                     Fee Fee              Afer that, $75.00 annually ($6.25 per month).          Afer that, $75.00 annually ($6.25 per month). daily balance.  We add up all the daily balances for the billing cycle and divide by  daily balance.  We add up all the daily balances for the billing cycle and divide by  business day.
  Advance taken on your Account, and (2) the expiraton of 30 days from the date  Advance taken on your Account, and (2) the expiraton of 30 days from the date 
                                                                       the number of days in the billing cycle to determine the average daily balance of  the number of days in the billing cycle to determine the average daily balance of 
  we deliver this Agreement to you if you do not provide us writen notce of your  we deliver this Agreement to you if you do not provide us writen notce of your  Copying Fee.  If you request duplicates of any monthly billing statement or other  Copying Fee.  If you request duplicates of any monthly billing statement or other 
                                                                       Purchases.  Interest Charges on Cash Advances are calculated by applying the  Purchases.  Interest Charges on Cash Advances are calculated by applying the 
  desire to cancel within this 30 days. If you are a resident of the State of New York,  desire to cancel within this 30 days. If you are a resident of the State of New York,  document, a copying charge of $3.00 per page may be imposed, unless the  document, a copying charge of $3.00 per page may be imposed, unless the 
                                     Additonal Card  Additonal Card  $29.00 annually (if applicable). $29.00 annually (if applicable). monthly  periodic  rate  (shown  below)  to  the  average  daily  balance of  Cash  monthly  periodic  rate  (shown  below)  to  the  average  daily  balance of  Cash 
  this  Agreement is  not efectve untl the frst Purchase  made  or Cash  Advance  this  Agreement is  not efectve untl the frst Purchase  made  or Cash  Advance  request is made in connecton with a bona fde billing error dispute. request is made in connecton with a bona fde billing error dispute.
                                                                       Advances (including new  Cash Advances).  To get the average daily balance of  Advances (including new  Cash Advances).  To get the average daily balance of 
   taken on your Account. In all cases, if any Fees are required to be paid prior to  Fee Fee
  taken on your Account. In all cases, if any Fees are required to be paid prior to  Cash Advances, we use the same calculaton method that we use for Purchases.  
  opening your Account, this Agreement will not be efectve and your Account will  opening your Account, this Agreement will not be efectve and your Account will  � Transacton Fees  � Transacton Fees  Cash Advances, we use the same calculaton method that we use for Purchases.  
                                                                                                          De?ned Terms De?ned Terms
  not be opened untl such Fees are paid in full. You are not obligated to pay any  not be opened untl such Fees are paid in full. You are not obligated to pay any  Monthly Periodic Rate and Corresponding ANNUAL PERCENTAGE RATE (APR). 
   Fees or Interest Charges (other than any Fees required to be paid prior to opening  Cash Advance Fee Cash Advance Fee Monthly Periodic Rate and Corresponding ANNUAL PERCENTAGE RATE (APR). 
  Fees or Interest Charges (other than any Fees required to be paid prior to opening  Either $5.00 or 5% of the amount of  Either $5.00 or 5% of the amount of 
                                                                       Interest Charges for Purchases  and Cash Advances are calculated at a monthly  Interest Charges for Purchases  and Cash Advances are calculated at a monthly 
  your Account) untl this Agreement is efectve. your Account) untl this Agreement is efectve. each cash advance, whichever is  each cash advance, whichever is  �You� and �your� mean each person who applied for the Account, each person to  �You� and �your� mean each person who applied for the Account, each person to 
                                                                       periodic rate of 2.4992%, which is a corresponding ANNUAL PERCENTAGE RATE  periodic rate of 2.4992%, which is a corresponding ANNUAL PERCENTAGE RATE 
                                                 greater. greater.                                       whom Mid America Bank & Trust Company issues a Card.   whom Mid America Bank & Trust Company issues a Card.  
  PRICING DISCLOSURES PRICING DISCLOSURES                              (APR) of 29.99%.  We calculate the monthly periodic rate by dividing the APR by  (APR) of 29.99%.  We calculate the monthly periodic rate by dividing the APR by 
                                                   
                                                                       12.   
                                     � Penalty Fees  � Penalty Fees    12.                               �We,� �us,� �our,� means Mid America Bank & Trust Company, Dixon, Missouri,  �We,� �us,� �our,� means Mid America Bank & Trust Company, Dixon, Missouri, 
  These Pricing Disclosures are part of the Cardholder Agreement.   These Pricing Disclosures are part of the Cardholder Agreement.          and our agents, authorized representatives, successors, and assignees or other  and our agents, authorized representatives, successors, and assignees or other 
                                                                       Minimum Interest Charge.  In any month in which an Interest Charge is due, if 
                                     Late Payment Fee Late Payment Fee Up to $37.00. (Iowa $15.00 Fee) Minimum Interest Charge.  In any month in which an Interest Charge is due, if 
                                                 Up to $37.00. (Iowa $15.00 Fee)                         holders of this Agreement or your Account.   holders of this Agreement or your Account.  
   Interest Rates and Interest Charges Interest Rates and Interest Charges that Interest  Charge is less  than $.50, we may charge you a minimum Interest  that Interest  Charge is less  than $.50, we may charge you a minimum Interest 
                                      Returned Payment Fee Up to $37.00. (Iowa $15.00 Fee) Charge of $.50.  Notwithstanding the foregoing, during the frst 12 months your  Charge of $.50.  Notwithstanding the foregoing, during the frst 12 months your  �Authorized User� means anyone who uses  a Card or your Account with your  �Authorized User� means anyone who uses  a Card or your Account with your 
   Annual Percentage  Annual Percentage  Returned Payment Fee Up to $37.00. (Iowa $15.00 Fee)
                                                                       Account is open, any Interest Charges assessed on your Account will be equal to  Account is open, any Interest Charges assessed on your Account will be equal to  consent.   consent.  
   Rate (APR) for  Rate (APR) for  29.99%  29.99% 
                                                                       the actual accrued interest.   the actual accrued interest.  
   Purchases Purchases                                                                                   �Card�  means  any  Visa� credit  card  issued  in  connecton  with your  Account,  �Card�  means  any  Visa� credit  card  issued  in  connecton  with your  Account, 
                                     How We Will Calculate Your Balance: We use a method called �Average Daily 
   APR for Cash  APR for Cash  29.99%  29.99%  How We Will Calculate Your Balance: We use a method called �Average Daily  Fees: Fees:
                                                                                                         including all renewals and substtutons. It also means any other access device for  including all renewals and substtutons. It also means any other access device for 
                                     Balance (including new  purchases).� See your cardholder agreement for more 
   Advances Advances                Balance (including new  purchases).� See your cardholder agreement for more  your Account we give you that allows you to obtain credit, including any Account  your Account we give you that allows you to obtain credit, including any Account 
                                    d e ta d e ta i ls i ls .   .      Annual Fee. Your Account will be assessed an Annual Fee of $75.00 when your  Annual Fee. Your Account will be assessed an Annual Fee of $75.00 when your 
                                                                                                         number. number.
                                                                       Account is opened and $48.00 every twelve months thereafer whether or not  Account is opened and $48.00 every twelve months thereafer whether or not 
                                    Billing Rights: Informaton on your rights to dispute transactons and how to  Billing Rights: Informaton on your rights to dispute transactons and how to 
                                                                       you use your Account.  The Annual Fee is non-refundable except as provided in  you use your Account.  The Annual Fee is non-refundable except as provided in  �Cash Advance� means each of the following transactons:  (a) a transacton  �Cash Advance� means each of the following transactons:  (a) a transacton 
   Paying Interest Paying Interest Your due date will be a minimum of 21 days afer the  Your due date will be a minimum of 21 days afer the  exercise those rights is included in the cardholder agreement and on the back of  exercise those rights is included in the cardholder agreement and on the back of 
                                                                       Secton below enttled �Refund Disclosure�.  Your payment of the Annual Fee does  Secton below enttled �Refund Disclosure�.  Your payment of the Annual Fee does  drawing upon your Account using your Card and PIN (described below) at an ATM  drawing upon your Account using your Card and PIN (described below) at an ATM 
            close  of  each  billing cycle.  close  of  each  billing cycle.   We will  not  charge   We will  not  charge  your monthly billing statement.   your monthly billing statement.  
                                                                       not afect our right to close your Account.  The Annual Fee will not be billed to  not afect our right to close your Account.  The Annual Fee will not be billed to  that bears the Visa� logo; (b) a transacton at any partcipatng Visa� fnancial  that bears the Visa� logo; (b) a transacton at any partcipatng Visa� fnancial 
            interest  on new purchases  if you  pay  your  entre  interest  on new purchases  if you  pay  your  entre 
                                                                       your Account afer your  Account is closed.  The Annual  Fee will  be  pro-rated  your Account afer your  Account is closed.  The Annual  Fee will  be  pro-rated 
                                      Additonal Informaton Regarding Processing Fee                      insttuton drawing upon your Account; (c) an electronic or other transfer of funds  insttuton drawing upon your Account; (c) an electronic or other transfer of funds 
            balance by the due date each month. We will begin  balance by the due date each month. We will begin  Additonal Informaton Regarding Processing Fee
                                                                       based on when the Account is reopened and the Card is re-issued.        based on when the Account is reopened and the Card is re-issued.        initated by us, at your request (i.e., we sign the check as the drawer), drawing  initated by us, at your request (i.e., we sign the check as the drawer), drawing 
            charging  charging  interest  interest  on cash   on cash   advances   advances   on   on   the  the 
                                                                                                         upon your Account; (d) use of a check provided by us (i.e., you sign the check as  upon your Account; (d) use of a check provided by us (i.e., you sign the check as 
            transacton date. transacton date.                          Monthly Servicing Fee.  Your Account will not be charged a Monthly Servicing  Monthly Servicing Fee.  Your Account will not be charged a Monthly Servicing 
                                     We require a one-tme up front Processing Fee of $89.00 to be paid in full before  the drawer) drawing upon your Account; (e) a transacton and the fees associated  the drawer) drawing upon your Account; (e) a transacton and the fees associated 
                                    We require a one-tme up front Processing Fee of $89.00 to be paid in full before  Fee for the frst year (introductory) following Account opening.  Each month  Fee for the frst year (introductory) following Account opening.  Each month 
                                                                                                          with using your Card to purchase cash equivalents, including wire transfers, 
   Minimum Interest  Minimum Interest  If you are charged interest, the charge will be no less  If you are charged interest, the charge will be no less  your Account is opened.  Once we have received and processed your payment of  your Account is opened.  Once we have received and processed your payment of  with using your Card to purchase cash equivalents, including wire transfers, 
                                                                       thereafer, your Account will be charged a Monthly Servicing Fee of $6.25 per  thereafer, your Account will be charged a Monthly Servicing Fee of $6.25 per 
                                     the Processing Fee, your Account will be opened and you may actvate and begin  money orders, and travelers� checks; and (f) any other method of obtaining a cash  money orders, and travelers� checks; and (f) any other method of obtaining a cash 
   Charge Charge than $0.50.   than $0.50.   the Processing Fee, your Account will be opened and you may actvate and begin  month ($75.00 annually).  This fee will be billed untl your Account is closed  month ($75.00 annually).  This fee will be billed untl your Account is closed 
                                    using your Card.  Refer to the Secton enttled �Refund Disclosure� for additonal  using your Card.  Refer to the Secton enttled �Refund Disclosure� for additonal  loan.   loan.  
                                                                       and the balance is $20.00 or less.   and the balance is $20.00 or less.  
                                    informaton.   informaton.  
                                                                                                         �Fees� means charges imposed on your Account as described in this Agreement  �Fees� means charges imposed on your Account as described in this Agreement 
                                                                       Cash Advance Fee.  In additon to the periodic Interest Charge we assess on  Cash Advance Fee.  In additon to the periodic Interest Charge we assess on 
   Credit Card Tips from  Credit Card Tips from  To  learn   more   about   factors   to   consider   when  To  learn   more   about   factors   to   consider   when  that are not based on an Annual Percentage Rate.
                                     Additonal Informaton Regarding Interest Charges and Other Fees Additonal Informaton Regarding Interest Charges and Other Fees Cash  Advances, each  tme  you  obtain  a Cash  Advance,  we  will  impose  a  Cash  Advances, each  tme  you  obtain  a Cash  Advance,  we  will  impose  a  that are not based on an Annual Percentage Rate.
   the Consumer  the Consumer  applying for or using a credit card, visit the website of  applying for or using a credit card, visit the website of  transacton fee of $5.00 or 5% of the amount of each Cash Advance, whichever  transacton fee of $5.00 or 5% of the amount of each Cash Advance, whichever 
                                                                                                          �Interest Charges� means any charges to your Account based on the applicaton 
   Financial Protecton  Financial Protecton  the  the  Consumer  Consumer  Financial  Financial  Protecton  Protecton  Bureau  Bureau  at  �Interest Charges� means any charges to your Account based on the applicaton 
                                 at                                    is greater.   is greater.  
   Bureau    htp://www.consumerfnance.gov/learnmore. Your Account is subject to the following Interest Charges and Fees, each of which  Your Account is subject to the following Interest Charges and Fees, each of which  of an Annual Percentage Rate. of an Annual Percentage Rate.
   Bureau   htp://www.consumerfnance.gov/learnmore.
                                    will be  charged  to your Account as a  Purchase  for  the  purpose of calculatng  will be  charged  to your Account as a  Purchase  for  the  purpose of calculatng  Late Payment Fee.  If we do not receive payment from you in at least the amount  Late Payment Fee.  If we do not receive payment from you in at least the amount 
                                    Interest Charges: Interest Charges:                                   �New Balance� means the outstanding balance of your Account at the end of any 
                                                                       of your Total Minimum Payment Due by the due date shown on your monthly  of your Total Minimum Payment Due by the due date shown on your monthly  �New Balance� means the outstanding balance of your Account at the end of any 
                                                                                                         billing cycle.  billing cycle. 
                                                                       billing statement, you will be charged a Late Payment Fee.  The fee will be the  billing statement, you will be charged a Late Payment Fee.  The fee will be the 
                                    Interest Charges:   Interest Charges:   lesser of (a) $26.00 if you did not incur a Late Payment Fee during any of the prior  lesser of (a) $26.00 if you did not incur a Late Payment Fee during any of the prior 
                                                                                                         �Purchase� includes (a) a transacton using your Card to pur chase or lease goods  �Purchase� includes (a) a transacton using your Card to pur chase or lease goods 
                                                                       six billing periods; otherwise $37.00, or (b) your past due Total Minimum Payment  six billing periods; otherwise $37.00, or (b) your past due Total Minimum Payment 
                                     Paying Interest Charges.  You agree to pay us Interest Charges on your Account as  or services from one who honors the Card; (b) any other Account related Fees;  or services from one who honors the Card; (b) any other Account related Fees; 
                                    Paying Interest Charges.  You agree to pay us Interest Charges on your Account as  Due  amount.  Notwithstanding  the  foregoing,  the  Late  Payment  Fee  for  Iowa  Due  amount.  Notwithstanding  the  foregoing,  the  Late  Payment  Fee  for  Iowa 
                                                                                                         and (c) any other transacton that is not otherwise a Cash Advance. and (c) any other transacton that is not otherwise a Cash Advance.
                                    described herein.  Subject to any grace period for new Purchases as described in  described herein.  Subject to any grace period for new Purchases as described in 
                             M-98859                                   residents shall not exceed $15.00. residents shall not exceed $15.00.                                     Fees Fees                         the next secton, Interest Charges will be imposed beginning the date a Purchase  the next secton, Interest Charges will be imposed beginning the date a Purchase  Returned Payment Fee.  If any check or other item tendered in payment of the  Returned Payment Fee.  If any check or other item tendered in payment of the 
                                                                       or  Cash  Advance is  posted  to  your Account  and will  contnue to  accrue  untl  or  Cash  Advance is  posted  to  your Account  and will  contnue to  accrue  untl  amount due on your Account is returned unpaid for any reason, you will be charged a  amount due on your Account is returned unpaid for any reason, you will be charged a 
     VISA� CARDHOLDER AGREEMENT VISA� CARDHOLDER AGREEMENT Set-Up and Maintenance  Set-Up and Maintenance  N N o tc o tc e:  The Annual Fee will be assessed before  e:  The Annual Fee will be assessed before  payment is posted.  payment is posted.  Returned Payment Fee.  The fee will be the lesser of (a) $26.00 if you did not incur  Returned Payment Fee.  The fee will be the lesser of (a) $26.00 if you did not incur 
                                     Fees Fees   you begin using your card and will reduce the  you begin using your card and will reduce the  a Returned Payment Fee during any of the prior six billing periods; otherwise  a Returned Payment Fee during any of the prior six billing periods; otherwise 
  THIS  CARDHOLDER  AGREEMENT  CONTAINS  AN  ARBITRATION  PROVISION.  THIS  CARDHOLDER  AGREEMENT  CONTAINS  AN  ARBITRATION  PROVISION.  amount  of  credit  you  initally  have  available.  amount  of  credit  you  initally  have  available.  How to Avoid Paying Interest Charges on New Purchases (Grace Period).  If you  How to Avoid Paying Interest Charges on New Purchases (Grace Period).  If you  $37.00,   $37.00,   or   or   (b)   (b)   your   your   past   past   due   due   Total   Total   Minimum   Minimum   Payment   Payment   Due   Due   amount.  amount. 
  UNLESS YOU ACT PROMPTLY TO REJECT THE ARBITRATION PROVISION, IT WILL  UNLESS YOU ACT PROMPTLY TO REJECT THE ARBITRATION PROVISION, IT WILL  Based on your inital credit limit of $300.00,  Based on your inital credit limit of $300.00,  paid the New Balance on your prior monthly billing statement by the due date  paid the New Balance on your prior monthly billing statement by the due date  Notwithstanding the foregoing, the Returned Payment Fee for Iowa residents  Notwithstanding the foregoing, the Returned Payment Fee for Iowa residents 
  HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE,  HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE,  your inital available credit will only be $225.00  your inital available credit will only be $225.00  shown on that billing statement, we will not impose any Interest Charges on new  shown on that billing statement, we will not impose any Interest Charges on new  shall not exceed $15.00. shall not exceed $15.00.
  INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION. INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION. (only  $196.00  if  you   choose   to   have   an  (only  $196.00  if  you   choose   to   have   an  Purchases,  or  any  porton  of  a  new  Purchase,  paid by  the due date on  your  Purchases,  or  any  porton  of  a  new  Purchase,  paid by  the due date on  your 
                                                 additonal card).   additonal card).   current monthly billing statement (which will be at least 21 days from the billing  current monthly billing statement (which will be at least 21 days from the billing  Additonal Card Fee.   If you authorize us to issue an additonal  Card  for your  Additonal Card Fee.   If you authorize us to issue an additonal  Card  for your 
  This cardholder agreement (�Agreement�) contains the terms and conditons  This cardholder agreement (�Agreement�) contains the terms and conditons  cycle  closing  date).   New  Purchases are  Purchases  that  frst  appear  on your  cycle  closing  date).   New  Purchases are  Purchases  that  frst  appear  on your  Account,  an Additonal Card  Fee  of  $29.00 will  be imposed  annually  for  each  Account,  an Additonal Card  Fee  of  $29.00 will  be imposed  annually  for  each 
  under which Mid America Bank & Trust Company has agreed to establish a Visa�  under which Mid America Bank & Trust Company has agreed to establish a Visa�  You may stll reject the plan, provided that you  You may stll reject the plan, provided that you  current billing statement.  Cash Advances are subject to Interest Charges from the  current billing statement.  Cash Advances are subject to Interest Charges from the  additonal Card.   additonal Card.  
  credit card Account (�Account�) for you.  The accompanying Pricing Disclosures  credit card Account (�Account�) for you.  The accompanying Pricing Disclosures  have  not  yet used  the  account  or  paid  a fee  have  not  yet used  the  account  or  paid  a fee  date the transacton is posted to your Account.  Unlike  Purchases, this means  date the transacton is posted to your Account.  Unlike  Purchases, this means 
  are part of this Agreement.  This Agreement contains our most current terms and  are part of this Agreement.  This Agreement contains our most current terms and  afer receiving a billing statement.  If you reject  afer receiving a billing statement.  If you reject  there is no tme in which you can pay the balance of Cash Advances in order to  there is no tme in which you can pay the balance of Cash Advances in order to  Express Delivery Fee.  We impose a $35.00 fee for the express delivery of your  Express Delivery Fee.  We impose a $35.00 fee for the express delivery of your 
  supersedes any prior terms you may have received from us.  Please read this  supersedes any prior terms you may have received from us.  Please read this  the plan, you are not responsible for any fees or  the plan, you are not responsible for any fees or  completely avoid Interest Charges on Cash Advances.   completely avoid Interest Charges on Cash Advances.   Card.   Card.  
  Agreement carefully and retain it for your future reference.   Agreement carefully and retain it for your future reference.   charges.   charges.  
                                                                       How We Calculate Interest Charges � Average Daily Balance Method (Including  Expedited Phone Pay Fee.  Each tme you contact us to arrange a payment by a  Expedited Phone Pay Fee.  Each tme you contact us to arrange a payment by a 
                                                                       How We Calculate Interest Charges � Average Daily Balance Method (Including 
                                                                                                          draf on your deposit account or by debit or credit card using an expedited service 
  Acceptance of Agreement.  Use of the Card or Account by you or an Authorized  Acceptance of Agreement.  Use of the Card or Account by you or an Authorized  Processing Fee Processing Fee $89.00 (one-tme fee). $89.00 (one-tme fee). Current Transactons).  Interest Charges on Purchases are calculated by applying  Current Transactons).  Interest Charges on Purchases are calculated by applying  draf on your deposit account or by debit or credit card using an expedited service 
                                                                                                          by a customer service representatve; we will impose an Expedited Phone Pay Fee 
  User  shall  consttute  your  agreement  to  the  terms  and conditons  of  this  User  shall  consttute  your  agreement  to  the  terms  and conditons  of  this  the  monthly  periodic  rate  (shown  below) to  the  average  daily balance of  by a customer service representatve; we will impose an Expedited Phone Pay Fee 
                                                                       the  monthly  periodic  rate  (shown  below) to  the  average  daily balance of 
                                                                                                          of $10.00.  This fee will be charged to your Account and will be paid by adding the 
  Agreement.  Agreement.   Whenever  stated  in  this  Agreement  that  we  may  take  certain   Whenever  stated  in  this  Agreement  that  we  may  take  certain  of $10.00.  This fee will be charged to your Account and will be paid by adding the 
                                     Annual Fee Annual Fee $75.00 for frst year  $75.00 for frst year  Purchases (including new Purchases) for each billing cycle.  To calculate the  Purchases (including new Purchases) for each billing cycle.  To calculate the 
                                                                                                         amount of the fee to the amount of the draf.  For purposes of this Agreement,  amount of the fee to the amount of the draf.  For purposes of this Agreement, 
  described acton, this permits us to do so at our sole discreton. described acton, this permits us to do so at our sole discreton.         Afer that, $48.00 annually.          Afer that, $48.00 annually.  average daily balance of Purchases, we take the beginning balance of Purchases  average daily balance of Purchases, we take the beginning balance of Purchases 
                                                                                                         �expedited� means creditng a payment to your Account the same day or, if the  �expedited� means creditng a payment to your Account the same day or, if the 
                                                                       each day, add any new Purchases (including Interest Charges and other Fees and  each day, add any new Purchases (including Interest Charges and other Fees and 
  Efectve Date of Agreement.  Unless you are a resident of the State of New York,  Efectve Date of Agreement.  Unless you are a resident of the State of New York,  payment  is  received afer  the  payment  cut-of   tme  (5:00  pm  CST), the  next  payment  is  received afer  the  payment  cut-of   tme  (5:00  pm  CST), the  next 
                                      Monthly Servicing  None for frst year (introductory) charges), and subtract any applicable payments  and credits.  This gives us the  charges), and subtract any applicable payments  and credits.  This gives us the 
  this Agreement is efectve upon the earlier of (1) the frst Purchase made or Cash  this Agreement is efectve upon the earlier of (1) the frst Purchase made or Cash  Monthly Servicing  None for frst year (introductory)
                                                                                                         business day. business day.
                                     Fee Fee              Afer that, $75.00 annually ($6.25 per month).          Afer that, $75.00 annually ($6.25 per month). daily balance.  We add up all the daily balances for the billing cycle and divide by  daily balance.  We add up all the daily balances for the billing cycle and divide by 
  Advance taken on your Account, and (2) the expiraton of 30 days from the date  Advance taken on your Account, and (2) the expiraton of 30 days from the date 
                                                                       the number of days in the billing cycle to determine the average daily balance of  the number of days in the billing cycle to determine the average daily balance of 
  we deliver this Agreement to you if you do not provide us writen notce of your  we deliver this Agreement to you if you do not provide us writen notce of your  Copying Fee.  If you request duplicates of any monthly billing statement or other  Copying Fee.  If you request duplicates of any monthly billing statement or other 
                                                                       Purchases.  Interest Charges on Cash Advances are calculated by applying the  Purchases.  Interest Charges on Cash Advances are calculated by applying the 
  desire to cancel within this 30 days. If you are a resident of the State of New York,  desire to cancel within this 30 days. If you are a resident of the State of New York,  document, a copying charge of $3.00 per page may be imposed, unless the  document, a copying charge of $3.00 per page may be imposed, unless the 
                                     Additonal Card  Additonal Card  $29.00 annually (if applicable). $29.00 annually (if applicable). monthly  periodic  rate  (shown  below)  to  the  average  daily  balance of  Cash  monthly  periodic  rate  (shown  below)  to  the  average  daily  balance of  Cash 
  this  Agreement is  not efectve untl the frst Purchase  made  or Cash  Advance  this  Agreement is  not efectve untl the frst Purchase  made  or Cash  Advance  request is made in connecton with a bona fde billing error dispute. request is made in connecton with a bona fde billing error dispute.
   taken on your Account. In all cases, if any Fees are required to be paid prior to  Fee Fee Advances (including new  Cash Advances).  To get the average daily balance of  Advances (including new  Cash Advances).  To get the average daily balance of 
  taken on your Account. In all cases, if any Fees are required to be paid prior to 
                                     � Transacton Fees  � Transacton Fees  Cash Advances, we use the same calculaton method that we use for Purchases.   Cash Advances, we use the same calculaton method that we use for Purchases.  
  opening your Account, this Agreement will not be efectve and your Account will  opening your Account, this Agreement will not be efectve and your Account will  De?ned Terms De?ned Terms
  not be opened untl such Fees are paid in full. You are not obligated to pay any  not be opened untl such Fees are paid in full. You are not obligated to pay any 
                                                                       Monthly Periodic Rate and Corresponding ANNUAL PERCENTAGE RATE (APR).  Monthly Periodic Rate and Corresponding ANNUAL PERCENTAGE RATE (APR). 
  Fees or Interest Charges (other than any Fees required to be paid prior to opening  Fees or Interest Charges (other than any Fees required to be paid prior to opening  Cash Advance Fee Cash Advance Fee Either $5.00 or 5% of the amount of  Either $5.00 or 5% of the amount of 
                                                                       Interest Charges for Purchases  and Cash Advances are calculated at a monthly  Interest Charges for Purchases  and Cash Advances are calculated at a monthly 
  your Account) untl this Agreement is efectve. your Account) untl this Agreement is efectve. each cash advance, whichever is  each cash advance, whichever is  �You� and �your� mean each person who applied for the Account, each person to  �You� and �your� mean each person who applied for the Account, each person to 
                                                  greater.             periodic rate of 2.4992%, which is a corresponding ANNUAL PERCENTAGE RATE  periodic rate of 2.4992%, which is a corresponding ANNUAL PERCENTAGE RATE 
                                                 greater.                                                whom Mid America Bank & Trust Company issues a Card.   whom Mid America Bank & Trust Company issues a Card.  
  PRICING DISCLOSURES PRICING DISCLOSURES                              (APR) of 29.99%.  We calculate the monthly periodic rate by dividing the APR by  (APR) of 29.99%.  We calculate the monthly periodic rate by dividing the APR by 
                                                   
                                                                       12.    12.   
   These Pricing Disclosures are part of the Cardholder Agreement.   � Penalty Fees  � Penalty Fees      �We,� �us,� �our,� means Mid America Bank & Trust Company, Dixon, Missouri,  �We,� �us,� �our,� means Mid America Bank & Trust Company, Dixon, Missouri, 
  These Pricing Disclosures are part of the Cardholder Agreement.                                        and our agents, authorized representatives, successors, and assignees or other  and our agents, authorized representatives, successors, and assignees or other 
                                                                       Minimum Interest Charge.  In any month in which an Interest Charge is due, if  Minimum Interest Charge.  In any month in which an Interest Charge is due, if 
                                     Late Payment Fee Late Payment Fee Up to $37.00. (Iowa $15.00 Fee) Up to $37.00. (Iowa $15.00 Fee) holders of this Agreement or your Account.   holders of this Agreement or your Account.  
   Interest Rates and Interest Charges Interest Rates and Interest Charges that Interest  Charge is less  than $.50, we may charge you a minimum Interest  that Interest  Charge is less  than $.50, we may charge you a minimum Interest 
                                                                       Charge of $.50.  Notwithstanding the foregoing, during the frst 12 months your  Charge of $.50.  Notwithstanding the foregoing, during the frst 12 months your  �Authorized User� means anyone who uses  a Card or your Account with your  �Authorized User� means anyone who uses  a Card or your Account with your 
   Annual Percentage                 Returned Payment Fee Returned Payment Fee
   Annual Percentage                             Up to $37.00. (Iowa $15.00 Fee) Up to $37.00. (Iowa $15.00 Fee)
                                                                       Account is open, any Interest Charges assessed on your Account will be equal to  Account is open, any Interest Charges assessed on your Account will be equal to  consent.   consent.  
   Rate (APR) for  Rate (APR) for  29.99%  29.99% 
                                                                       the actual accrued interest.   the actual accrued interest.  
   Purchases Purchases                                                                                   �Card�  means  any  Visa� credit  card  issued  in  connecton  with your  Account,  �Card�  means  any  Visa� credit  card  issued  in  connecton  with your  Account, 
                                     How We Will Calculate Your Balance: We use a method called �Average Daily 
   APR for Cash  APR for Cash  29.99%  29.99%  How We Will Calculate Your Balance: We use a method called �Average Daily  Fees: Fees:
                                                                                                         including all renewals and substtutons. It also means any other access device for  including all renewals and substtutons. It also means any other access device for 
   Advances Advances                Balance (including new  purchases).� See your cardholder agreement for more  Balance (including new  purchases).� See your cardholder agreement for more 
                                                                                                         your Account we give you that allows you to obtain credit, including any Account  your Account we give you that allows you to obtain credit, including any Account 
                                    d e ta d e ta i ls i ls .   .      Annual Fee. Your Account will be assessed an Annual Fee of $75.00 when your  Annual Fee. Your Account will be assessed an Annual Fee of $75.00 when your 
                                                                                                         number. number.
                                                                       Account is opened and $48.00 every twelve months thereafer whether or not  Account is opened and $48.00 every twelve months thereafer whether or not 
                                    Billing Rights: Informaton on your rights to dispute transactons and how to  Billing Rights: Informaton on your rights to dispute transactons and how to 
                                                                       you use your Account.  The Annual Fee is non-refundable except as provided in  you use your Account.  The Annual Fee is non-refundable except as provided in  �Cash Advance� means each of the following transactons:  (a) a transacton  �Cash Advance� means each of the following transactons:  (a) a transacton 
   Paying Interest Paying Interest Your due date will be a minimum of 21 days afer the  Your due date will be a minimum of 21 days afer the  exercise those rights is included in the cardholder agreement and on the back of  exercise those rights is included in the cardholder agreement and on the back of 
                                                                       Secton below enttled �Refund Disclosure�.  Your payment of the Annual Fee does  Secton below enttled �Refund Disclosure�.  Your payment of the Annual Fee does  drawing upon your Account using your Card and PIN (described below) at an ATM  drawing upon your Account using your Card and PIN (described below) at an ATM 
            close  of  each  billing cycle.  close  of  each  billing cycle.   We will  not  charge   We will  not  charge  your monthly billing statement.   your monthly billing statement.  
                                                                       not afect our right to close your Account.  The Annual Fee will not be billed to  not afect our right to close your Account.  The Annual Fee will not be billed to  that bears the Visa� logo; (b) a transacton at any partcipatng Visa� fnancial  that bears the Visa� logo; (b) a transacton at any partcipatng Visa� fnancial 
            interest  on new purchases  if you  pay  your  entre  interest  on new purchases  if you  pay  your  entre 
                                                                       your Account afer your  Account is closed.  The Annual  Fee will  be  pro-rated  your Account afer your  Account is closed.  The Annual  Fee will  be  pro-rated  insttuton drawing upon your Account; (c) an electronic or other transfer of funds  insttuton drawing upon your Account; (c) an electronic or other transfer of funds 
            balance by the due date each month. We will begin  balance by the due date each month. We will begin  Additonal Informaton Regarding Processing Fee Additonal Informaton Regarding Processing Fee
                                                                       based on when the Account is reopened and the Card is re-issued.        based on when the Account is reopened and the Card is re-issued.        initated by us, at your request (i.e., we sign the check as the drawer), drawing  initated by us, at your request (i.e., we sign the check as the drawer), drawing 
            charging  charging  interest  interest  on cash   on cash   advances   advances   on   on   the  the 
                                                                                                         upon your Account; (d) use of a check provided by us (i.e., you sign the check as  upon your Account; (d) use of a check provided by us (i.e., you sign the check as 
            transacton date. transacton date.                          Monthly Servicing Fee.  Your Account will not be charged a Monthly Servicing  Monthly Servicing Fee.  Your Account will not be charged a Monthly Servicing 
                                    We require a one-tme up front Processing Fee of $89.00 to be paid in full before  We require a one-tme up front Processing Fee of $89.00 to be paid in full before  the drawer) drawing upon your Account; (e) a transacton and the fees associated  the drawer) drawing upon your Account; (e) a transacton and the fees associated 
                                                                       Fee for the frst year (introductory) following Account opening.  Each month  Fee for the frst year (introductory) following Account opening.  Each month 
                                    your Account is opened.  Once we have received and processed your payment of  your Account is opened.  Once we have received and processed your payment of  with using your Card to purchase cash equivalents, including wire transfers,  with using your Card to purchase cash equivalents, including wire transfers, 
   Minimum Interest  Minimum Interest  If you are charged interest, the charge will be no less  If you are charged interest, the charge will be no less  thereafer, your Account will be charged a Monthly Servicing Fee of $6.25 per  thereafer, your Account will be charged a Monthly Servicing Fee of $6.25 per 
                                                                                                         money orders, and travelers� checks; and (f) any other method of obtaining a cash  money orders, and travelers� checks; and (f) any other method of obtaining a cash 
   Charge Charge than $0.50.   than $0.50.   the Processing Fee, your Account will be opened and you may actvate and begin  the Processing Fee, your Account will be opened and you may actvate and begin 
                                                                       month ($75.00 annually).  This fee will be billed untl your Account is closed  month ($75.00 annually).  This fee will be billed untl your Account is closed 
                                    using your Card.  Refer to the Secton enttled �Refund Disclosure� for additonal  using your Card.  Refer to the Secton enttled �Refund Disclosure� for additonal  loan.   loan.  
                                                                       and the balance is $20.00 or less.   and the balance is $20.00 or less.  
                                    informaton.   informaton.  
                                                                                                          �Fees� means charges imposed on your Account as described in this Agreement 
                                                                       Cash Advance Fee.  In additon to the periodic Interest Charge we assess on  �Fees� means charges imposed on your Account as described in this Agreement 
                                                                       Cash Advance Fee.  In additon to the periodic Interest Charge we assess on 
   Credit Card Tips from  Credit Card Tips from  To  learn   more   about   factors   to   consider   when  To  learn   more   about   factors   to   consider   when  Cash  Advances, each  tme  you  obtain  a Cash  Advance,  we  will  impose  a  that are not based on an Annual Percentage Rate. that are not based on an Annual Percentage Rate.
                                     Additonal Informaton Regarding Interest Charges and Other Fees Additonal Informaton Regarding Interest Charges and Other Fees Cash  Advances, each  tme  you  obtain  a Cash  Advance,  we  will  impose  a 
   the Consumer  the Consumer  applying for or using a credit card, visit the website of  applying for or using a credit card, visit the website of  transacton fee of $5.00 or 5% of the amount of each Cash Advance, whichever  transacton fee of $5.00 or 5% of the amount of each Cash Advance, whichever 
                                                                                                          �Interest Charges� means any charges to your Account based on the applicaton 
   Financial Protecton  Financial Protecton  the  Consumer  Consumer  Financial  Financial               �Interest Charges� means any charges to your Account based on the applicaton 
            the         Protecton  Protecton  Bureau  Bureau  at  at   is greater.   is greater.  
   Bureau Bureau htp://www.consumerfnance.gov/learnmore. htp://www.consumerfnance.gov/learnmore. Your Account is subject to the following Interest Charges and Fees, each of which  Your Account is subject to the following Interest Charges and Fees, each of which  of an Annual Percentage Rate. of an Annual Percentage Rate.
                                    will be  charged  to your Account as a  Purchase  for  the  purpose of calculatng  will be  charged  to your Account as a  Purchase  for  the  purpose of calculatng  Late Payment Fee.  If we do not receive payment from you in at least the amount  Late Payment Fee.  If we do not receive payment from you in at least the amount 
                                    Interest Charges: Interest Charges:                                   �New Balance� means the outstanding balance of your Account at the end of any 
                                                                       of your Total Minimum Payment Due by the due date shown on your monthly  of your Total Minimum Payment Due by the due date shown on your monthly  �New Balance� means the outstanding balance of your Account at the end of any 
                                                                                                         billing cycle.  billing cycle. 
                                                                       billing statement, you will be charged a Late Payment Fee.  The fee will be the  billing statement, you will be charged a Late Payment Fee.  The fee will be the 
                                    Interest Charges:   Interest Charges:   lesser of (a) $26.00 if you did not incur a Late Payment Fee during any of the prior  lesser of (a) $26.00 if you did not incur a Late Payment Fee during any of the prior 
                                                                                                         �Purchase� includes (a) a transacton using your Card to pur chase or lease goods  �Purchase� includes (a) a transacton using your Card to pur chase or lease goods 
                                                                       six billing periods; otherwise $37.00, or (b) your past due Total Minimum Payment  six billing periods; otherwise $37.00, or (b) your past due Total Minimum Payment 
                                                                                                         or services from one who honors the Card; (b) any other Account related Fees;  or services from one who honors the Card; (b) any other Account related Fees; 
                                    Paying Interest Charges.  You agree to pay us Interest Charges on your Account as  Paying Interest Charges.  You agree to pay us Interest Charges on your Account as  Due  amount.  Notwithstanding  the  foregoing,  the  Late  Payment  Fee  for  Iowa  Due  amount.  Notwithstanding  the  foregoing,  the  Late  Payment  Fee  for  Iowa 
                                     described herein.  Subject to any grace period for new Purchases as described in  and (c) any other transacton that is not otherwise a Cash Advance. and (c) any other transacton that is not otherwise a Cash Advance.
                                    described herein.  Subject to any grace period for new Purchases as described in  residents shall not exceed $15.00. residents shall not exceed $15.00.
   Other important words used in this Agreement begin with capital leters. They are  any resultng increase in the credit limit.  We reserve the right to decline your  Transactons Made in Foreign Currencies.  Although charges outside the United States  Agreement.  You agree that we need not examine any payment check to confrm 
   defned throughout this Agreement. request for a credit limit increase in our sole discreton.        or in a foreign currency are not allowed, if you make a charge in a foreign currency,  that  it  is  not  postdated,  and that  we  may  deposit any postdated  check  for 
                                                                       the exchange rate for the transacton will be either (a) a rate selected by Visa from the  payment to us on the day we receive it. Satsfacton of a debt for less than the full 
   Using Your Card                   Lost or Stolen Card; Liability for Unauthorized Use.   You  will take reasonable  range of rates available in wholesale currency markets for the applicable central  amount due or impositon of any other term or conditon on us requires a writen 
                                     steps to prevent the unauthorized use of your Card and Account . If your Card is  processing  date,  which rate  may vary from the rate  Visa itself  receives, or  (b) the  agreement,  signed  by  an  authorized  Bank  representatve.  All  writen 
                                     lost or stolen, or you think someone used your Account without your permission,  government mandated rate in efect for the applicable central processing date.   communicatons concerning disputed amounts, including a check or other 
   Permited Uses.  You may use your Card and your Account to make Purchases  tell us immediately by notfying us by phone at (877)-259-3755 or in writng at PO  payment instrument that (a) indicates that the payment consttutes �payment in 
   wherever your Card is accepted, provided your Account is in good standing and  Box 89028, Sioux  Falls,  South Dakota  57109.   You  may  be  liable for  the  Payments full� or is otherwise tendered as full satsfacton of a disputed amount or (b) is 
   you have available credit.  Each tme you use your Card, either for a Purchase or a  unauthorized use of your Card. In New York, you will not be liable for  tendered with other conditons or limitatons, must be marked or delivered to us 
   Cash Advance, you are requestng us to make a loan to you for the amount of the  unauthorized use of the Card that  occurs  prior to  the  efectve  date  of  this  at the address for billing inquiries shown on your monthly billing statement, not 
   Purchase or  the Cash Advance.  If  you  use your  Account  number  to  make a  Agreement.  You will not be liable for unauthorized use that occurs afer you notfy  Your Promise to Pay.   You promise to pay to us  all amounts advanced to you  at the payment address.  You waive presentment for payment, protest, notce of 
   Purchase or obtain a Cash Advance without presentng your Card (such as for a  us, orally or in writng, of the loss, thef or possible unauthorized use.  In any case,  (including amounts advanced to any Authorized User) under this Agreement, plus  non-payment and of protest, and agree to any extensions of tme of payment and 
   mail order, telephone or internet purchase), the legal efect will be the same as if  your liability will not exceed $50. You agree to cooperate in our investgaton of the  all Fees and Interest Charges assessed on those amounts, and all other charges,  partal payment before, at, or afer maturity.  You may at any tme pay more than 
   you used the Card itself.  Each Purchase and Cash Advance obtained will reduce  unauthorized   use   and  provide   any  informaton   we   deem   necessary   to   our  costs, and fees which you incur under the terms of this Agreement.   your  minimum payment  or  pay of  your  entre  balance in  full  without  any 
   the available credit under your credit limit untl it is repaid in accordance with the  investgaton.  We will send you a new Card with a new account number to replace  additonal charge for prepayment. No mater how large your payment is in one 
   terms of this Agreement.          the Card that was lost or stolen. Although you will be issued a new account number,  Total Minimum Payment Due.  You may pay any or all of the amounts you owe at  billing cycle, you will need to make a payment in the following cycle if you have an 
                                     you will not be considered to have opened a new account, and any existng balance  any tme without penalty, but you must pay at least the Total Minimum Payment  outstanding balance. You are not authorized to use your available credit to make a 
   Cash Advances.  You may use your Card to obtain Cash Advances if your Account  will be transferred to the replacement account.  Please see �Your Billing Rights�  Due  each  month  on  or before  the  due  date in order  to  maintain  your credit  payment on your Account and we may refuse such payments in our sole 
   has been open for at least the later of ninety (90) days or three completed billing  secton below for more details. privileges.  The �Total Minimum Payment Due� is comprised of the Monthly  discreton.  We may resubmit and electronically collect returned payments. We 
   cycles, is not past due and you have available credit for Cash Advances.  You may  Payment plus any amount past due, as refected on the monthly billing statement.  may also adjust your Account as necessary to correct errors, to process returned 
   obtain Cash Advances from an Automated Teller Machine (�ATM�) or through a  Declines and Authorizatons.  You agree that we shall have no liability if any merchant  If the New Balance shown on your statement is $37.00 or less, the �Monthly  and reversed payments, and to handle similar issues.
   bank teller. However, the total  of  your unpaid Cash Advances  may not exceed  or bank refuses to honor your Card or Account number, if an ATM or other device fails  Payment� is the New Balance.  If the New Balance exceeds $37.00, the Monthly 
   one-half of your credit limit.  Cash Advance amounts may also be subject to limits  to properly operate, or if services are unavailable due to circumstances beyond our  Payment is the greater of (a) fve percent (5%) of your New Balance at the end of  How We Apply Payments.  Payments will be applied in a manner we determine in 
   imposed by banks and ATM operators.   control (such as system failures, fres, foods, natural disasters, or other unpredictable  the  billing  cycle (rounded  up  to the nearest  dollar)  or  (b)  $37.00.  The  Total  accordance with applicable law, and the applicaton of payments may change 
                                     events).  Some transactons on your Account will require prior approval. These prior  Minimum Payment Due may also include the amount by which your New Balance  from tme to tme.  
   Prohibited Uses.  You may not use your Card outside the United States, or to  approvals are called "authorizatons". We may limit the number of authorizatons we  exceeds your credit limit (�Over Credit Limit Amount�).  Failure to pay the Over 
   make a charge in a foreign currency.  The Card may not be used for any illegal  will give your Account during any certain period of tme (day, weekend, week) and we  Credit Limit Amount as requested on your monthly billing statement will not, by  Credit Balances. You  may not maintain  a  credit  balance  on  your Account.  If 
   transactons.  The Card may not be used for on-line gambling transactons or at an  may deny an authorizaton if we suspect that your Account is being used without your  itself, cause your Account to be delinquent. The Total Minimum Payment Due is  payments cause a credit balance, your Account may be temporarily suspended 
   automated  fuel  pump.  You  further  acknowledge  that  your  Card  will  be  for  permission. If our authorizaton system is not working fully, we may be unable to give  due by the due date shown on the monthly billing statement (the due date will be  and subject to further review.  We may reject and return to you any payment that 
   personal use and may not be used for business purposes.  If you use, or allow  an authorizaton even though the transacton would not exceed your credit limit. For  at least twenty-one (21) days from the billing cycle closing date) and payments  creates a credit balance on your Account. Any credit balance we allow will not be 
   someone else to use your Card or Account for any prohibited purpose, you will be  security reasons, we cannot explain the details of how the authorizaton system  must be made to Mid America Bank & Trust Company at the address shown on  available untl we confrm that your payment has cleared. You may contact us as 
   responsible for such use and may be required to reimburse us for all amounts or  works. You agree that we will not be liable for failing to give an authorizaton.   We are  the  monthly  billing  statement.   Merchandise  refunds,  Fee  or  Interest  Charge  provided on your monthly billing statement and request a refund of any available 
   expenses we pay as a result of such use. not obligated to honor every transacton, even if you have available credit.  We may  reversals  or  other  credits  to  your  Account  will  be  applied  towards  your  credit balance of $1.00 or more. If you contact us in writng, we will refund your 
                                     decline a transacton on your Account at our discreton for any reason including the  outstanding  balance,  but  will  not  be  treated  as payments  for  purposes  of  credit balance within 7 business days from our receipt of your writen request.  If 
   Ca rd.  You agree to sign the back of the Card issued to you in connec ton with 
                                     following:  because of operatonal  consideratons, because your Account is in default,  satsfying your obligaton to make the next Total Minimum Payment Due.   you do not request a refund, we will apply credit balances to future amounts you 
   your  Account  immediately  upon  receipt.   The  Card is  valid  during  the  dates 
                                     or if we suspect fraudulent or unlawful actvity.  We are not responsible for any losses  owe us unless a refund is required by law.
   provided on the front. The Card is our property, and you will return it to us or 
                                     if a transacton on your Account is declined for any reason, whether by us or a third  Payment Instructons.  Payments received in Proper Form before 5:00 pm CST on 
   destroy it if we ask. 
                                     party, even if you have  sufcient credit  available. If the authorizaton is denied, we  a business day will post to your Account that day.  Payments received afer 5:00  Electronic Check Presentment.  By sending us a check as payment, you authorize 
                                     may notfy the person who atempted the transacton that it has been refused.  pm CST on a business day and payments made on a Saturday, Sunday, or bank  us to use informaton on your check to make a one-tme electronic funds transfer 
   PIN.  Upon your request, you may be assigned a personal identfcaton number 
                                     Transactons at some partcipatng merchants (such as hotels, car rental companies,  holiday will post to your Account the following business day.  We may, in our  from  your account  at  the   fnancial  insttuton  indicated  on  your  check  or to 
   (�PIN�).  With a PIN, you may use your Card to obtain Cash Advances from an 
                                     and restaurants) may result in authorizatons for amounts greater than the actual  discreton, accept payments not received in Proper Form, but creditng of such  process the payment as a check transacton.  When we use informaton from your 
   ATM. You should keep your PIN secure and not write it down, give it to anyone, or 
                                     purchase amount, which will have the efect of making less credit available on your  payments may be delayed up  to fve  business days following  receipt.  Delayed  check to make an electronic funds transfer, funds may be withdrawn from your 
   keep it with your Card. If you lose your Card or believe that someone has gained 
                                     Account for several days (usually untl the date the actual purchase amount is received  creditng may  cause you  to  incur  a  Late Payment  Fee and  additonal Interest  bank account as soon as the same day we  receive  payment.  If your check is 
   unauthorized access to your PIN, you must contact us immediately.  You may 
                                     from the merchant).               Charges.  �Proper Form� means that a payment sent by mail or courier follows  processed electronically, your canceled check will not be returned to you by your 
   request or change your PIN by calling us at (877)-259-3755 or visitng us online at 
                                                                       these guidelines:                  fnancial insttuton. We will retain an image of your electronically processed 
   www.frstaccesscard.com.  
                                     Authorized Users.  If another person is given access to your Account with your express  � Payments  must be  sent to  the address  on the payment coupon  of your  check(s) as required by law. If requested prior to the tme we are allowed by law 
                                     or implied permission, notwithstanding the provision above, that person is an 
   Credit Limit.  Your credit limit is the maximum amount of credit we have  monthly billing statement.   to destroy electronically processed checks, we will provide you with a copy of 
                                     Authorized User, even if we did not issue an additonal Card in the Authorized User�s 
   approved for your Account. Your credit limit will be disclosed to you when your  � Payments must be made by personal check, money order, cashier�s check,  your electronically processed check(s) upon your request.
                                     name. At your request, and if we agree, we may issue an additonal Card in the name  or guaranteed funds (described below) in U.S. dollars payable to Mid    
   Card is issued and will also appear on your monthly billing statement.  You agree 
                                     of an Authorized User with your Account number.  You will  be responsible  for all 
   not to  make any  Purchase or obtain  any  Cash  Advance  that  would cause  the  America Bank & Trust Company. Monthly Billing Statements, Communicatons and Informaton About You
                                     charges, Cash Advances, Interest Charges, Purchases and Fees incurred by any 
   unpaid balance of  your Account to exceed your credit limit. The total  of  your  � All  checks  or negotable  instruments  must  be  drawn  on  a  U.S. fnancial 
                                     Authorized User. We are not required to try to obtain payment from any Authorized 
   unpaid Cash Advances may not exceed one-half of your credit limit.    You agree  insttuton  and  contain  proper  signatures  and  consistent  numeric and 
                                     User before requiring payment from you. You and each Authorized User agree that we 
   that we may change your credit limit at any tme without afectng your obligaton  writen amounts.        Monthly Billing Statements.  We will send you a monthly billing statement at the 
                                     may report Account informaton to consumer reportng agencies in the names of both 
   to pay the amounts you owe under this Agreement.  At our sole discreton, we  � Payments must not be in the form of cash or third-party checks.  end of each monthly billing  cycle in which your Account has a debit or credit 
                                     you and the Authorized User.                                         balance of more than $1.00, if an Interest Charge has been imposed or if other 
   may  honor Purchases  or Cash  Advances  in excess  of  your credit limit without  � Your payment coupon must be included with your payment. If your 
                                                                          payment coupon is not included, your name and account number must be  Account actvity has occurred. Your statement will arrive around the same tme 
   raising your credit limit. If we do, we may require you to pay us any amount over 
                                     Removing an Authorized User. If you  want to remove an Authorized User from the 
   your credit limit immediately. If we have previously allowed your balance to  printed legibly on your check or negotable instrument. each month, however we reserve the right to change the date of your billing cycle 
                                     Account,  you  must contact us as  provided on  your monthly  billing  statement and  at any tme to the extent permited by law.  The statements we send to you will 
   exceed your credit limit, it does not mean that we will permit your balance to  Payments not made in guaranteed funds may not create available credit for up to 
                                     request their removal. We will have a reasonable amount of tme afer your request to  refect the actvity and our Interest Charges, Fees and other charges on your 
   exceed your credit limit again. See the next secton with respect to credit limit  fourteen (14) days to allow the payment to clear or even longer if circumstances 
                                     research the situaton and remove them. You also must immediately destroy all Cards 
                                                                       warrant  an additonal  hold, or  if  we  deem  ourselves  at risk  for  any  reason.  Account during the immediately preceding monthly billing cycle. They will also 
   increases.
                                     in their possession and cancel all of their billing arrangements to the Account. We will 
                                                                       Guaranteed funds which are accepted include payments in the form of bank or  show your Total  Minimum Payment Due and the due date  by which we must 
                                     not do this for you. During this tme, you stll will be responsible for all amounts they  receive payment. The informaton contained on the statement will be deemed to 
   Credit Limit Increases. Upon your request, credit limit increases may be granted  postal money orders, bank cashiers checks, debit card payments, Western Union 
                                     charge to the Account. You will be responsible even if these amounts do not appear 
                                                                       and MoneyGram.  This list may change.  Please call customer service for a current  be correct unless you notfy us in accordance with the Secton below enttled 
   afer your Account has been open for at least six (6) billing cycles, has not been 
                                     on  the  Account untl  later.  An  Authorized  User may  remove themselves  from  the 
   past due for the prior six (6) billing cycles and is not over limit.  Every six (6) billing  list of payments accepted as guaranteed funds.  Third party payments are subject  �Your Billing Rights�. 
                                     Account upon request. We may close your existng Account and/or issue a new Card 
   cycles thereafer, upon your request, we will review your Account for a credit limit  to review and may not immediately create available credit.  At our discreton, we 
                                     with a new Account number.                                           Communicaton with You.  We may contact you from tme to tme regarding your 
   increase using the same requirements.  There is no fee imposed for the review, or  may accept late or partal payments, as well as payments that are marked �paid in 
                                                                                                          Account. We (and our afliates, agents and contractors) may contact you in any 
                                                                       full� or other restrictve endorsements, without losing any of our rights under this 
   manner we choose to the extent allowed by applicable law. For example, we may  Your Contract With Us If your Account is closed, you are stll responsible for any amounts due on the  WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTANTIAL EFFECT ON 
   contact you:                                                        Account pursuant to the terms of this Agreement and the Account will contnue  YOUR RIGHTS, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS 
   (1) by mail, telephone, email, or text message;                     to accrue applicable Interest Charges and other Fees and charges untl the  ACTION, IN THE EVENT OF A DISPUTE. 
   (2) by using an automated dialing or similar device (�autodialer�); Amendment or Modi?caton.  At any tme and subject to applicable law, we may  Account is paid in full.
   (3) at your home and at your place of employment; change or delete any term of,  or add new terms to,  this Agreement, including  a. General: This  Arbitraton Provision  describes  when and how  a Claim (as 
   (4) on your mobile, wireless or cellular telephone or similar device, which may  without limitaton the Interest Charge, Annual Percentage Rate, Fees, Total  Refund Disclosure. We will refund your Processing Fee and inital Fees (those Fees  defned below) may be arbitrated. Arbitraton is a method of resolving 
   result in charges to you;         Minimum Payment Due amount, and the arbitraton provision.  Unless prohibited  that are billed at the tme of Account opening) if (1) you have not used your Card  disputes in front of one or more neutral persons, instead of having a trial in 
   (5) at any tme, including weekends and holidays; by applicable law, these changed or new terms will apply to any Account balance  for a Purchase or Cash Advance; and (2) you have not made a payment on your  court in front of a judge and/or jury. It can be a quicker and simpler way to 
   (6) with any frequency;           outstanding on the efectve date of the change and to all future balances.  When  Account afer receiving a monthly billing statement. We will refund any partal  resolve disputes. Arbitraton proceedings are private and less formal than 
   (7)  by  leaving  prerecorded  and  other  messages  on  your  answering  required by applicable law, we will notfy you in advance of any changes, deletons  payment of the Processing Fee if you do not open your Account within eighty-fve  court trials. Each party to the dispute has an opportunity to present some 
   machine/service and with others; and  or additons.  Our notce will tell you when and how the changes will take efect  (85) days of approval.  If you later elect to close your Account and notfy us of  evidence to the arbitrator. The arbitrator will issue a  fnal and binding 
   (8)  by  identfying  ourselves,  your  relatonship  with  us  and  our  purpose  for  and describe any rights you have in connecton with the changes.  your electon in writng within thirty (30) days or one billing cycle (whichever is  decision resolving the dispute(s), which may be enforced as a court 
   contactng you even if others might hear or read it.                 less) afer  an Annual Fee appears on your monthly billing statement, the Annual  judgment. A court rarely overturns an arbitrator�s decision. As solely used 
   We may monitor or record any conversaton or other communicaton with you.  Governing Law.  This  Agreement and your Account,  and any claim, dispute or  Fee will be credited to your Account.  Except as described in this paragraph, Fees  in this Arbitraton Provision, the terms �we,� �us� and �our� mean not just 
   Unless the law states we cannot, we may modify or suppress caller ID and similar  controversy (whether in contract, tort, or otherwise) at any tme arising from or  are generally non-refundable. Mid America Bank & Trust Company but also our parent companies, wholly 
   services and identfy ourselves on these services in any manner we choose. You  relatng  to  your  Account,  this  Agreement  or  any  transferred  balances,  are 
                                                                                                            or majority-owned subsidiaries, afliates, commonly-owned companies, 
   also agree that we may contact you using phone numbers, addresses and e-mail  governed by and construed in accordance with applicable federal law and, to the  Severability.  If any  provision of this Agreement, including any porton of the  successors, assigns and any of these enttes� employees, ofcers, directors 
   addresses we obtain from public and nonpublic databases we may lawfully  extent not preempted by federal law, by the laws of Missouri (without regard to  arbitraton  agreement  set  forth  below,  is  determined  to  be  invalid  or  and agents. For purposes of this Arbitraton Provision, these terms also 
   access. Where allowed by law, we also may contact other individuals who may be  internal principles of confict of laws), but we rely on the provisions of Nebraska  unenforceable under any rule, law, or regulaton, the validity or enforceability of  mean any other third party providing any goods and services in connecton 
   able to provide updated employment, locaton, and contact informaton for you.  law with respect to the Fees that apply to your Account as authorized by Missouri  any other provision of this Agreement shall not be afected, and in lieu of such  with your Account, servicing and collecton of amounts due on your 
   Some of the legal purposes for calls and messages include: suspected fraud or  Revised Statutes Secton 408.145.    invalid or unenforceable provision there shall be added automatcally, as part of  Account,  if you  name that  third party  and  us  as defendants  in a  single 
   identty thef; obtaining informaton; transactons on or servicing of your Account;  this Agreement, a provision as similar in terms as may be valid and enforceable, if  proceeding. 
   collectng on your Account; and providing you informaton about certain products,  Default.  We may declare your Account to be in default upon the occurrence of  possible.  Notwithstanding the foregoing, if a class acton litgaton or a class-wide  b. Opt-Out Process. If you do not want this Arbitraton Provision to apply, 
   services and promotons.           any of the following events:      arbitraton is permited for any reason, either party may require that the entre  you may reject it by mailing us a writen opt out notce which contains 
                                     (a) You fail to make any payment required under the terms of this Agreement  Dispute, as defned  in  the Secton enttled  �Arbitraton� below, be heard by a  your Account number, your name and address and a signed statement 
   Your Consent for Calls and/or Text Messages to Your Mobile Phone.  When you  when due; judge, sitting without a jury, under applicable court rules and procedures. that you opt out of the Arbitraton Provision of this Agreement. The opt 
   give us or we obtain your mobile telephone number, you expressly agree that we  (b)  You fail  to comply  with  any of the terms and conditons  set  forth  in  this 
                                                                                                            out  notce  must  be sent  to  us by  mail  at  Mid  America  Bank &  Trust 
   (and our afliates, agents and contractors) may contact you at this number using  Agreement; Atorneys Fees and Costs.   Except  as  may be  provided otherwise  in  this  Company, PO Box 89028, Sioux Falls, SD 57109. (You should retain a copy 
   an autodialer and can also leave prerecorded and other messages, including text  (c) You exceed your credit limit; Agreement, you agree to pay all costs incurred by us, our successors or assigns, in  of your opt-out notce and evidence of mailing or delivery.)  An opt out 
   messages. We may do these things whether we contact you or you contact us.  (d) You become incapacitated or die; collectng  unpaid  indebtedness  or  in  enforcing  this  Agreement,  including  notce is only efectve if it is signed by you and if we receive it within 
   You agree you will be responsible for any fees or charges you incur as a result of  (e)  You  provide  us  with  false  or  misleading informaton or signatures in any  atorneys  fees  and  costs,  as well  as those costs,  expenses and atorneys  fees  thirty  (30)  days afer  the date  we  delivered  this Agreement  to  you. 
   incoming calls or text messages from us, from our afliates or from any third party  respect; incurred in appellate, bankruptcy and post-judgment proceedings, except to the  Indicatng  your  desire  to  opt-out  of  this  Arbitraton  Provision  in  any 
   actng on behalf of us or our afliates. (f) We obtain informaton that causes us to believe that you may be unwilling or  extent such costs, fees or expenses are prohibited by law. manner other than as provided above is insu?cient notce. However, your 
                                     unable to pay your debts to us on tme;
                                                                                                            decision to opt out of this Arbitraton Provision will not have any other 
   Notces.  Any notce required to be provided to you under this Agreement shall be  (g) We in good faith deem Mid America Bank & Trust Company to be insecure or  No Waiver by Us.  Subject to applicable law, we reserve the right not to impose  efect on this Agreement  and will  not afect  any other arbitraton 
   given to  you at your  residence  address  shown  on our records  and  shall  be  believe that the prospect of payment is impaired; part or all of any Fee or other amount imposed pursuant to this Agreement or not  agreement between you and us, which will remain in full force and efect. 
   efectve when sent by frst class mail, unless otherwise required by Missouri law.  (h) You fle for bankruptcy; to exercise any of our rights under this Agreement, and should we do so, we will  If you don�t reject this Arbitraton Provision, it will be efectve as of the 
   You agree to advise us promptly of any change in your address.  Any notce from  (i) You move out of the U.S. or you provide us with a non-U.S. mailing address. not waive our right to impose such Fee or amount or exercise such right in the  date you were approved for an Account. 
   you to us shall be sent to PO Box 89028, Sioux Falls, South Dakota 57109 or to  (j)  You request an excessive number of replacement Cards. future. c. What Claims Are Covered: �Claim� means any claim, dispute or controversy 
   such other address as we may give you and shall be efectve when received by us.  Upon your default, we can suspend or terminate your ability to use your Card or 
                                                                                                            between you and us that in any way arises from or relates to your Account, 
   We may, at our discreton, accept mailing address correctons from the United  Account, lower your credit limit, increase your Total Minimum Payment Due,  Assignment.  We may sell, assign or transfer all or any porton of your Account or  including disputes arising from actons or omissions on or prior to the date 
   States Postal Service.            demand the return of your Card(s), declare your entre balance immediately due  any balances due under your Account without prior notce to or consent from  of this  Agreement.  �Claim�  has  the  broadest  reasonable  meaning,  and 
                                     and payable, initate collecton actvity, contnue to charge you Interest Charges  you.  You may not sell, assign or transfer your Card or your Account or any of your 
   Privacy Policy.  The  privacy  policy  for  Mid  America  Bank  &  Trust  is  provided                   includes inital claims, counterclaims, cross-claims and third-party claims. It 
                                     and Fees as long as your balance remain outstanding, and exer cise all other rights  obligatons under this Agreement.  This Agreement will be binding on, and 
   separately in accordance with applicable law.                                                            includes disputes based  upon contract, negligence,  fraud  and other 
                                     or remedies permited by law, all without prior notce or demand except as  beneft, any of your and our successors and assigns. intentonal torts, consttuton, statute, regulaton, ordinance, common law 
                                     required by law. You promise to pay any collecton costs and atorneys� fees that 
   Your Account Informaton.  We need current informaton about you to manage                                 and equity (including any claim for injunctve or declaratory relief). Despite 
                                     we incur as a result of your default. Our failure to declare your Account in default  Entre Agreement.  This Agreement, together with your applicaton, consttutes 
   your Account. The informaton we need includes: (1) your legal name; (2) a valid                          the foregoing, �Claim� does not include any individual acton brought by 
                                     does   not   excuse   you   from   performing all   of   your   obligatons   under   this  the fnal expression of the credit agreement between you and us relatng to your 
   U.S. mailing address and residental address (if diferent); (3) your e-mail address;                      you in small claims court or your state�s equivalent court, unless such acton 
                                     Agreement, nor shall such failure consttute a waiver of our rights to declare the  Account and supersedes and may not be contradicted by evidence of any prior or 
   (4) your social security number or other government identfcaton number; (5)                              is transferred, removed, or appealed to a diferent court. In additon, except 
                                     Account in default and terminate your ability to use the Account and the Card at a  contemporaneous oral credit agreement between you and us relatng to your 
   your telephone number(s); and (6) your employment and income informaton.                                 as set forth in the immediately following sentence, �Claim does not include 
                                     later tme or upon the occurrence of the same or a diferent event of default.  A  Account.
   You are responsible for promptly notfying us when this informaton changes. We                            disputes about the validity, enforceability, coverage or scope of this 
                                     negatve credit report refectng on your credit record may be submited to one or 
   may require you to provide additonal documents that are acceptable to us to                              Arbitraton Provision or any part thereof (including, without limitaton, this 
                                     more credit-reportng agencies if you fail to fulfll the terms of your credit  No Warrantes.  Except as otherwise provided in the Secton below enttled �Your 
   verify this informaton or any changes. We maintain the right to restrict or close                        sentence, the prohibitons against class proceedings, private atorney 
                                     obligatons.                       Billing Rights�, we are not responsible for any claim you might have regarding the 
   your Account if your informaton cannot be verifed or if you do not provide                               general  proceedings  and/or  multple-party  proceedings  described  in 
                                                                       purchases of goods or services made with your Card. 
   additonal informaton as requested.                                                                       paragraph g, captoned �Prohibiton Against Certain Proceedings� (the 
                                     Suspending or Closing Your Account.  
                                                                                                            �Class Acton Waiver�), or the last sentence of paragraph m, captoned 
                                                                       Merchant Refunds.   If  you  are  enttled to a  refund  for goods  or  services 
   Credit Informaton.  We are enttled under applicable law, including the Fair                              �Severability,�); all such disputes are for a court and not an arbitrator to 
                                     We May Suspend or Close Your Account: We may close or suspend your Card or  purchased with  your Card,  you  will  accept these  refunds  as credits  to  your 
   Credit Reportng Act, to obtain informaton about you from a credit report ing                             decide. However,  any dispute  or argument that concerns  the validity or 
                                     Account and require the return of your Card for any reason, including default,  Account. We do not control when a merchant sends us your refund. We will also 
   agency and we may also verify your credit references and other informaton that                           enforceability of this Agreement as a whole is for the arbitrator, not a court, 
                                     without notce to you except as may be required by applicable law. Sometmes we  have a reasonable amount of tme afer we receive your refund to process it.
   you provide to us.  We may obtain updated or addi tonal informaton about you,                            to decide.
                                     close accounts based not on your actons or inactons, but on our business needs. 
   including consumer reports, for any legitmate purpose including, but not limited                       d. Startng or Electng to Require Arbitraton: Either you or we may start an 
                                     If  we  close your Account,  we  will  not  be liable  to  you  for  any  consequences  Arbitraton
   to, the extension of credit to you or the review or collecton of your Account.  We                       arbitraton of any Claim or require any Claim to be arbitrated. Arbitraton is 
                                     resultng from closing your Account or suspending your credit privileges.  
   may provide informaton about you and your Account to credit reportng agencies                            started by initatng an arbitraton or required by giving writen notce to 
   and others as provided in our privacy policy. Informaton we provide might appear                         the other party requiring arbitraton. This notce may be given before or 
                                     You May Close Your Account: You  may  cancel your  Account at  any  tme  by  READ THIS ARBITRATION PROVISION. UNLESS YOU ACT PROMPTLY TO REJECT 
   on your and your Authorized Users� credit reports. This could include negatve                            afer a lawsuit has been started over the Claim and may address any Claims 
                                     notfying us by telephone or in writng.  THE  ARBITRATION  PROVISION  BY  OPTING  OUT  IN  ACCORDANCE  WITH 
   informaton if you do not comply with the terms of this Agreement.                                        brought in the lawsuit, provided that a party may not pursue a Claim in a 
                                                                       PARAGRAPH b, CAPTIONED �OPT-OUT PROCESS,� THE ARBITRATION PROVISION    manner we choose to the extent allowed by applicable law. For example, we may  Your Contract With Us If your Account is closed, you are stll responsible for any amounts due on the  WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTANTIAL EFFECT ON 
   contact you:                                                        Account pursuant to the terms of this Agreement and the Account will contnue  YOUR RIGHTS, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS 
   (1) by mail, telephone, email, or text message;                     to accrue applicable Interest Charges and other Fees and charges untl the  ACTION, IN THE EVENT OF A DISPUTE. 
   (2) by using an automated dialing or similar device (�autodialer�); Amendment or Modi?caton.  At any tme and subject to applicable law, we may  Account is paid in full.
   (3) at your home and at your place of employment; change or delete any term of,  or add new terms to,  this Agreement, including  a. General: This  Arbitraton Provision  describes  when and how  a Claim (as 
   (4) on your mobile, wireless or cellular telephone or similar device, which may  without limitaton the Interest Charge, Annual Percentage Rate, Fees, Total  Refund Disclosure. We will refund your Processing Fee and inital Fees (those Fees  defned below) may be arbitrated. Arbitraton is a method of resolving 
   result in charges to you;         Minimum Payment Due amount, and the arbitraton provision.  Unless prohibited  that are billed at the tme of Account opening) if (1) you have not used your Card  disputes in front of one or more neutral persons, instead of having a trial in 
   (5) at any tme, including weekends and holidays; by applicable law, these changed or new terms will apply to any Account balance  for a Purchase or Cash Advance; and (2) you have not made a payment on your  court in front of a judge and/or jury. It can be a quicker and simpler way to 
   (6) with any frequency;           outstanding on the efectve date of the change and to all future balances.  When  Account afer receiving a monthly billing statement. We will refund any partal  resolve disputes. Arbitraton proceedings are private and less formal than 
   (7)  by  leaving  prerecorded  and  other  messages  on  your  answering  required by applicable law, we will notfy you in advance of any changes, deletons  payment of the Processing Fee if you do not open your Account within eighty-fve  court trials. Each party to the dispute has an opportunity to present some 
   machine/service and with others; and  or additons.  Our notce will tell you when and how the changes will take efect  (85) days of approval.  If you later elect to close your Account and notfy us of  evidence to the arbitrator. The arbitrator will issue a  fnal and binding 
   (8)  by  identfying  ourselves,  your  relatonship  with  us  and  our  purpose  for  and describe any rights you have in connecton with the changes.  your electon in writng within thirty (30) days or one billing cycle (whichever is  decision resolving the dispute(s), which may be enforced as a court 
   contactng you even if others might hear or read it.                 less) afer  an Annual Fee appears on your monthly billing statement, the Annual  judgment. A court rarely overturns an arbitrator�s decision. As solely used 
   We may monitor or record any conversaton or other communicaton with you.  Governing Law.  This  Agreement and your Account,  and any claim, dispute or  Fee will be credited to your Account.  Except as described in this paragraph, Fees  in this Arbitraton Provision, the terms �we,� �us� and �our� mean not just 
   Unless the law states we cannot, we may modify or suppress caller ID and similar  controversy (whether in contract, tort, or otherwise) at any tme arising from or  are generally non-refundable. Mid America Bank & Trust Company but also our parent companies, wholly 
   services and identfy ourselves on these services in any manner we choose. You  relatng  to  your  Account,  this  Agreement  or  any  transferred  balances,  are 
                                                                                                            or majority-owned subsidiaries, afliates, commonly-owned companies, 
   also agree that we may contact you using phone numbers, addresses and e-mail  governed by and construed in accordance with applicable federal law and, to the  Severability.  If any  provision of this Agreement, including any porton of the  successors, assigns and any of these enttes� employees, ofcers, directors 
   addresses we obtain from public and nonpublic databases we may lawfully  extent not preempted by federal law, by the laws of Missouri (without regard to  arbitraton  agreement  set  forth  below,  is  determined  to  be  invalid  or  and agents. For purposes of this Arbitraton Provision, these terms also 
   access. Where allowed by law, we also may contact other individuals who may be  internal principles of confict of laws), but we rely on the provisions of Nebraska  unenforceable under any rule, law, or regulaton, the validity or enforceability of  mean any other third party providing any goods and services in connecton 
   able to provide updated employment, locaton, and contact informaton for you.  law with respect to the Fees that apply to your Account as authorized by Missouri  any other provision of this Agreement shall not be afected, and in lieu of such  with your Account, servicing and collecton of amounts due on your 
   Some of the legal purposes for calls and messages include: suspected fraud or  Revised Statutes Secton 408.145.    invalid or unenforceable provision there shall be added automatcally, as part of  Account,  if you  name that  third party  and  us  as defendants  in a  single 
   identty thef; obtaining informaton; transactons on or servicing of your Account;  this Agreement, a provision as similar in terms as may be valid and enforceable, if  proceeding. 
   collectng on your Account; and providing you informaton about certain products,  Default.  We may declare your Account to be in default upon the occurrence of  possible.  Notwithstanding the foregoing, if a class acton litgaton or a class-wide  b. Opt-Out Process. If you do not want this Arbitraton Provision to apply, 
   services and promotons.           any of the following events:      arbitraton is permited for any reason, either party may require that the entre  you may reject it by mailing us a writen opt out notce which contains 
                                     (a) You fail to make any payment required under the terms of this Agreement  Dispute, as defned  in  the Secton enttled  �Arbitraton� below, be heard by a  your Account number, your name and address and a signed statement 
   Your Consent for Calls and/or Text Messages to Your Mobile Phone.  When you  when due; judge, sitting without a jury, under applicable court rules and procedures. that you opt out of the Arbitraton Provision of this Agreement. The opt 
   give us or we obtain your mobile telephone number, you expressly agree that we  (b)  You fail  to comply  with  any of the terms and conditons  set  forth  in  this 
                                                                                                            out  notce  must  be sent  to  us by  mail  at  Mid  America  Bank &  Trust 
   (and our afliates, agents and contractors) may contact you at this number using  Agreement; Atorneys Fees and Costs.   Except  as  may be  provided otherwise  in  this  Company, PO Box 89028, Sioux Falls, SD 57109. (You should retain a copy 
   an autodialer and can also leave prerecorded and other messages, including text  (c) You exceed your credit limit; Agreement, you agree to pay all costs incurred by us, our successors or assigns, in  of your opt-out notce and evidence of mailing or delivery.)  An opt out 
   messages. We may do these things whether we contact you or you contact us.  (d) You become incapacitated or die; collectng  unpaid  indebtedness  or  in  enforcing  this  Agreement,  including  notce is only efectve if it is signed by you and if we receive it within 
   You agree you will be responsible for any fees or charges you incur as a result of  (e)  You  provide  us  with  false  or  misleading informaton or signatures in any  atorneys  fees  and  costs,  as well  as those costs,  expenses and atorneys  fees  thirty  (30)  days afer  the date  we  delivered  this Agreement  to  you. 
   incoming calls or text messages from us, from our afliates or from any third party  respect; incurred in appellate, bankruptcy and post-judgment proceedings, except to the  Indicatng  your  desire  to  opt-out  of  this  Arbitraton  Provision  in  any 
   actng on behalf of us or our afliates. (f) We obtain informaton that causes us to believe that you may be unwilling or  extent such costs, fees or expenses are prohibited by law. manner other than as provided above is insu?cient notce. However, your 
                                     unable to pay your debts to us on tme;
                                                                                                            decision to opt out of this Arbitraton Provision will not have any other 
   Notces.  Any notce required to be provided to you under this Agreement shall be  (g) We in good faith deem Mid America Bank & Trust Company to be insecure or  No Waiver by Us.  Subject to applicable law, we reserve the right not to impose  efect on this Agreement  and will  not afect  any other arbitraton 
   given to  you at your  residence  address  shown  on our records  and  shall  be  believe that the prospect of payment is impaired; part or all of any Fee or other amount imposed pursuant to this Agreement or not  agreement between you and us, which will remain in full force and efect. 
   efectve when sent by frst class mail, unless otherwise required by Missouri law.  (h) You fle for bankruptcy; to exercise any of our rights under this Agreement, and should we do so, we will  If you don�t reject this Arbitraton Provision, it will be efectve as of the 
   You agree to advise us promptly of any change in your address.  Any notce from  (i) You move out of the U.S. or you provide us with a non-U.S. mailing address. not waive our right to impose such Fee or amount or exercise such right in the  date you were approved for an Account. 
   you to us shall be sent to PO Box 89028, Sioux Falls, South Dakota 57109 or to  (j)  You request an excessive number of replacement Cards. future. c. What Claims Are Covered: �Claim� means any claim, dispute or controversy 
   such other address as we may give you and shall be efectve when received by us.  Upon your default, we can suspend or terminate your ability to use your Card or 
                                                                                                            between you and us that in any way arises from or relates to your Account, 
   We may, at our discreton, accept mailing address correctons from the United  Account, lower your credit limit, increase your Total Minimum Payment Due,  Assignment.  We may sell, assign or transfer all or any porton of your Account or  including disputes arising from actons or omissions on or prior to the date 
   States Postal Service.            demand the return of your Card(s), declare your entre balance immediately due  any balances due under your Account without prior notce to or consent from  of this  Agreement.  �Claim�  has  the  broadest  reasonable  meaning,  and 
                                     and payable, initate collecton actvity, contnue to charge you Interest Charges  you.  You may not sell, assign or transfer your Card or your Account or any of your 
   Privacy Policy.  The  privacy  policy  for  Mid  America  Bank  &  Trust  is  provided                   includes inital claims, counterclaims, cross-claims and third-party claims. It 
                                     and Fees as long as your balance remain outstanding, and exer cise all other rights  obligatons under this Agreement.  This Agreement will be binding on, and 
   separately in accordance with applicable law.                                                            includes disputes based  upon contract, negligence,  fraud  and other 
                                     or remedies permited by law, all without prior notce or demand except as  beneft, any of your and our successors and assigns. intentonal torts, consttuton, statute, regulaton, ordinance, common law 
                                     required by law. You promise to pay any collecton costs and atorneys� fees that 
   Your Account Informaton.  We need current informaton about you to manage                                 and equity (including any claim for injunctve or declaratory relief). Despite 
                                     we incur as a result of your default. Our failure to declare your Account in default  Entre Agreement.  This Agreement, together with your applicaton, consttutes 
   your Account. The informaton we need includes: (1) your legal name; (2) a valid                          the foregoing, �Claim� does not include any individual acton brought by 
                                     does   not   excuse   you   from   performing all   of   your   obligatons   under   this  the fnal expression of the credit agreement between you and us relatng to your 
   U.S. mailing address and residental address (if diferent); (3) your e-mail address;                      you in small claims court or your state�s equivalent court, unless such acton 
                                     Agreement, nor shall such failure consttute a waiver of our rights to declare the  Account and supersedes and may not be contradicted by evidence of any prior or 
   (4) your social security number or other government identfcaton number; (5)                              is transferred, removed, or appealed to a diferent court. In additon, except 
                                     Account in default and terminate your ability to use the Account and the Card at a  contemporaneous oral credit agreement between you and us relatng to your 
   your telephone number(s); and (6) your employment and income informaton.                                 as set forth in the immediately following sentence, �Claim does not include 
                                     later tme or upon the occurrence of the same or a diferent event of default.  A  Account.
   You are responsible for promptly notfying us when this informaton changes. We                            disputes about the validity, enforceability, coverage or scope of this 
                                     negatve credit report refectng on your credit record may be submited to one or 
   may require you to provide additonal documents that are acceptable to us to                              Arbitraton Provision or any part thereof (including, without limitaton, this 
                                     more credit-reportng agencies if you fail to fulfll the terms of your credit  No Warrantes.  Except as otherwise provided in the Secton below enttled �Your 
   verify this informaton or any changes. We maintain the right to restrict or close                        sentence, the prohibitons against class proceedings, private atorney 
                                     obligatons.                       Billing Rights�, we are not responsible for any claim you might have regarding the 
   your Account if your informaton cannot be verifed or if you do not provide                               general  proceedings  and/or  multple-party  proceedings  described  in 
                                                                       purchases of goods or services made with your Card. 
   additonal informaton as requested.                                                                       paragraph g, captoned �Prohibiton Against Certain Proceedings� (the 
                                     Suspending or Closing Your Account.  
                                                                                                            �Class Acton Waiver�), or the last sentence of paragraph m, captoned 
                                                                       Merchant Refunds.   If  you  are  enttled to a  refund  for goods  or  services 
   Credit Informaton.  We are enttled under applicable law, including the Fair                              �Severability,�); all such disputes are for a court and not an arbitrator to 
                                     We May Suspend or Close Your Account: We may close or suspend your Card or  purchased with  your Card,  you  will  accept these  refunds  as credits  to  your 
   Credit Reportng Act, to obtain informaton about you from a credit report ing                             decide. However,  any dispute  or argument that concerns  the validity or 
                                     Account and require the return of your Card for any reason, including default,  Account. We do not control when a merchant sends us your refund. We will also 
   agency and we may also verify your credit references and other informaton that                           enforceability of this Agreement as a whole is for the arbitrator, not a court, 
                                     without notce to you except as may be required by applicable law. Sometmes we  have a reasonable amount of tme afer we receive your refund to process it.
   you provide to us.  We may obtain updated or addi tonal informaton about you,                            to decide.
                                     close accounts based not on your actons or inactons, but on our business needs. 
   including consumer reports, for any legitmate purpose including, but not limited                       d. Startng or Electng to Require Arbitraton: Either you or we may start an 
                                     If  we  close your Account,  we  will  not  be liable  to  you  for  any  consequences  Arbitraton
   to, the extension of credit to you or the review or collecton of your Account.  We                       arbitraton of any Claim or require any Claim to be arbitrated. Arbitraton is 
                                     resultng from closing your Account or suspending your credit privileges.  
   may provide informaton about you and your Account to credit reportng agencies                            started by initatng an arbitraton or required by giving writen notce to 
   and others as provided in our privacy policy. Informaton we provide might appear                         the other party requiring arbitraton. This notce may be given before or 
                                     You May Close Your Account: You  may  cancel your  Account at  any  tme  by  READ THIS ARBITRATION PROVISION. UNLESS YOU ACT PROMPTLY TO REJECT 
   on your and your Authorized Users� credit reports. This could include negatve                            afer a lawsuit has been started over the Claim and may address any Claims 
                                     notfying us by telephone or in writng.  THE  ARBITRATION  PROVISION  BY  OPTING  OUT  IN  ACCORDANCE  WITH 
   informaton if you do not comply with the terms of this Agreement.                                        brought in the lawsuit, provided that a party may not pursue a Claim in a 
                                                                       PARAGRAPH b, CAPTIONED �OPT-OUT PROCESS,� THE ARBITRATION PROVISION 
     lawsuit and then seek to arbitrate that same Claim unless the other party  submit a writen request to the arbitrator to expand the scope of discovery  YOUR BILLING RIGHTS 1. The purchase must have been made in your home state or within 100 miles of 
     has asserted another Claim in the lawsuit or an arbitraton. The notce may  normally allowable under the arbitraton rules of the Administrator. The  your current mailing address, and the purchase price must have been more 
     be in the form of a moton or petton to compel arbitraton. Arbitraton of  arbitrator shall have discreton to grant or deny that request. than $50.00. ( N OTE: Neither of these are necessary if your purchase was based 
     a Claim must comply with this Arbitraton Provision and, to the extent not  k. Arbitraton Result and Right of Appeal: At the tmely request of either  KEEP THIS NOTICE FOR FUTURE USE on an advertsement we mailed to you, or if we own the company that sold 
     inconsistent or in confict with this Arbitraton Provision, the applicable  party, the arbitrator shall provide a writen explanaton for the award.  you the goods or services.)
     rules of the arbitraton Administrator.  Either party may appeal the arbitrator's decision within 30 days to a single  This notce tells you about your rights and our responsibilites under the Fair  2. You must have used your Card for the Purchase. Purchases made with Cash 
   e. Choosing the Administrator:  �Administrator�  means  the  American  arbitrator or a three-arbitrator panel selected in accordance with the  Credit Billing Act. Advances from an ATM or with a check that accesses your Account do not 
     Arbitraton Associaton (�AAA�), 1633 Broadway, 10th Floor, New York, NY  Administrator�s rules, which shall resolve the Claim without regard to the  qualify.
     10019, www.adr.org; JAMS, 1920 Main St. at Gillete Ave., Suite 300, Irvine,  original decision. We will pay the entre cost of an appeal unless we are  What To Do If You Find A Mistake On Your Monthly Billing Statement 3. You must not yet have fully paid for the Purchase.
     CA 92614, www.jamsadr.com, or any other company selected by mutual  willing to have the appeal decided by a single arbitrator and you insist upon 
     agreement of the partes. If AAA and JAMS cannot or will not serve and the  a three-arbitrator panel. In such event, you will be responsible for paying  If you think there is an error on your monthly billing statement, write to us at the  If all of the criteria above are met and you are stll dissatsfed with the purchase, 
     partes  are  unable  to  select  an  Administrator  by  mutual  consent,  the  your porton of the diference in arbitraton fees between a single arbitrator  address listed on your monthly billing statement.  In your leter, give us the  contact us in writing at:
     Administrator will be selected by a court. The party assertng the Claim (the  and a three-arbitrator panel, as determined by the panel. However, we will  following informaton:
                                                                                                          Mid America Bank and Trust
     �Claimant�) may select the Administrator. Notwithstanding any language in  pay all costs to the extent required by law and/or required to enforce this  �   Account information: Your name and Account number.
                                                                                                          PO Box 89028
     this   Arbitraton   Provision   to   the   contrary,   no   arbitraton   may   be  Arbitraton Provision. The original award or any subsequent award on the  �   Dollar amount: The dollar amount of the suspected error. Sioux Falls, SD 57109
     administered, without the consent of all partes to the arbitraton, by any  appeal described above shall be fnal and binding, subject to any further  �   Description of problem: If you think there is an error on your bill, describe what 
     Administrator that has in place a formal or informal policy that purports to  right to appeal provided by the FAA. The arbitrator�s award may be entered  you believe is wrong and why you believe it is a mistake. While we investgate, the same rules apply to the disputed amount as discussed 
     override the Class Acton Waiver.  by any court having jurisdicton.                                   above. Afer we fnish our investgaton, we will tell you our decision. At that 
   f. Court and Jury Trials Prohibited; Other Limitatons on Legal Rights: IF YOU  l. Rules of Interpretaton:  This Arbitraton Provision is binding upon and  You must contact us: point, if we think you owe an amount and you do not pay, we may report you as 
     OR WE ELECT TO ARBITRATE A CLAIM, YOU AND WE WILL NOT HAVE THE  benefts you, your respectve heirs, successors and assigns. This Arbitraton  �  Within 60 days afer the error frst appeared on your monthly billing statement. delinquent.
     RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE  Provision also is  binding upon and benefts  us. This Arbitraton Provision  �  At least 3 business  days  before  an automated  payment is  scheduled, if you 
     CLAIM. ALSO, YOUR AND OUR ABILITY TO OBTAIN INFORMATION FROM  shall survive the repayment of all amounts owed under this Agreement, any  want to stop payment on the amount you think is wrong. State Disclosures
     THE OTHER  PARTY  IS  MORE LIMITED  IN  AN  ARBITRATION THAN  IN  A  legal proceeding and any bankruptcy, to the extent consistent with 
     LAWSUIT. OTHER RIGHTS THAT YOU OR WE WOULD HAVE IN COURT MAY  applicable  bankruptcy  law. This  Arbitraton  Provision  survives  any  You must notfy us of any potental errors in writing. You may call us, but if you do 
     ALSO NOT BE AVAILABLE IN ARBITRATION.  terminaton, amendment, expiraton or performance of any transacton  California Residents: A married applicant may apply for a separate Account. As 
                                                                       we are not required to investgate any potental errors and you may have to pay 
   g. Prohibiton Against Certain Proceedings:  IF  YOU  OR WE  ELECT  TO  between you and us and contnues in full force and efect unless you and  required by law, you are hereby notfed that a negatve credit reportng refectng 
                                                                       the amount in queston.
     ARBITRATE A CLAIM: (1)  NEITHER YOU NOR WE MAY PARTICIPATE IN A  we otherwise agree in writng. In the event of a confict or inconsistency  on your credit record may be submited to a Consumer Reportng Agency if you 
     CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A  between this Arbitraton Provision, on the one hand, and the applicable  What Will Happen After We Receive Your Letter fail to fulfll the terms of your credit obligatons. Afer credit approval, each 
     PLAINTIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE  arbitraton rules or the other terms of this Agreement, on the other hand,  applicant shall have the right to use the Account up to the limit of the Account. 
     MAY ACT  AS  A PRIVATE  ATTORNEY GENERAL  IN  COURT  OR  IN  AN  this Arbitraton Provision shall govern. When we receive your leter, we must do two things: Delaware Residents: Service charges not in excess of those permited by law will 
     ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE  m. Severability: If any porton of this Arbitraton Provision is deemed invalid or  1. Within 30 days of receiving your leter, we must tell you that we received your  be charged on the outstanding balances from month to month.
     JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY  unenforceable, such a fnding shall not invalidate any remaining porton of  leter. We will also tell you if we have already corrected the error. New York and Vermont Residents: We may obtain a consumer report  for any 
     OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO AUTHORITY  this Arbitraton Provision, this Agreement, or any other agreement entered  2.  Within 90  days of receiving your leter, we must  either correct the error  or  legitmate purpose in connecton with your Account or your applicaton, including 
     TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL  into by  you  with us.  However,  notwithstanding  any  language  in  this  explain to you why we believe the bill is correct. but not limited to reviewing, modifying, renewing and collectng on your Account. 
     ARBITRATION, OR MULTIPLE-PARTY ARBITRATION. Arbitraton Provision or this  Agreement to the contrary, the Class  Acton  Upon  your  request, we  will  inform  you of  the  names  and  addresses of  any 
   h. Locaton and Costs of Arbitraton: Any arbitraton hearing that you atend  Waiver is not severable from the remainder of this Arbitraton Provision  While we investgate whether or not there has been an error: Consumer Reportng Agencies that have furnished the reports.  New York 
     in person must take place at a locaton reasonably convenient to you, as  and, in the event that the Class  Acton Waiver is  held to be invalid and  �  We cannot try to collect the amount in queston, or report you as delinquent on  residents may contact the New York State Banking Department (1-877-226-5697) 
     determined by the arbitrator. Each Administrator charges fees to administer  unenforceable, and subject to any right of appeal that may exist with  that amount. to obtain a comparatve list of credit card rates, fees and grace periods.
     an arbitraton proceeding and the arbitrator also charges fees. This includes  respect  to  such  determinaton,  any  class  acton  or  representatve  �  The charge in queston may remain on your billing statement, and we may  Ohio Residents: The Ohio laws against discriminaton require that all creditors 
     fees  not  charged  by  a court. If either you  or  we  require  a Claim  to  be  proceeding shall be determined in a court of law and will not be subject to  contnue to charge you interest on that amount. make credit equally available to all credit worthy customers, and that Consumer 
     arbitrated, you may tell us in writng that you cannot aford to pay the fees  this Arbitraton Provision. �  While you do not have to pay the amount in queston, you are responsible for  Reportng Agencies maintain separate credit histories on each individual upon 
     charged by the Administrator and/or the arbitrator or that you believe  n. Notce and Cure; Special Payment:  Prior  to  initatng  a  lawsuit  or  an  the remainder of your balance. request. The Ohio Civil Rights Commission administers compliance with this law.
     those fees are too high. If your request is reasonable and in good faith, we  arbitraton proceeding under this Arbitraton Provision, the Claimant shall  �  We can apply any unpaid amount against your credit limit. Married Wisconsin Residents: No provision of any marital property agreement, 
     will pay or reimburse you for all or part of the fees charged to you by the  give  the  other  party or  partes writen  notce  of  the  Claim  (a  �Claim  unilateral statement, or court order applying to marital property will adversely 
     Administrator and/or arbitrator. Also, we will pay these fees if applicable  Notce�) and a reasonable opportunity, not less than 30 days, to resolve the  Afer we fnish our investgaton, one of two things will happen: afect a creditor�s interests unless prior to the tme credit is granted, the creditor 
     law requires us to, if you prevail in the arbitraton or if we must bear such  Claim.  Any  Claim Notce to you  shall be sent  in writng  by mail to the  �   If we made a mistake: You will not have to pay the amount in queston or any  is furnished with a copy of the agreement, statement, or court order, or has actual 
     fees in order for this Arbitraton Provision to be enforced. We will not ask  address  you have  provided  in your  Card  applicaton (or  any  updated  knowledge of that provision.
                                                                         interest or other fees related to that amount.
     you  to  pay  or  reimburse  us  for  any fees  we  pay  the  Administrator  or  address you subsequently provide). Any Claim Notce to us shall be sent by 
                                                                       �   If we do not believe there was a mistake: You will have to pay the amount in 
     arbitrator. We   will   bear   the   expense   of   our   atorneys,   experts   and  mail to PO Box 89028, Sioux Falls, SD 57109 (or any updated address we  � 2014. All rights reserved.
                                       subsequently provide), atn: ARBITRATION.  Any Claim Notce you send  queston, along with applicable Interest Charges and Fees. We will send you a 
     witnesses. You will bear the expense of your atorneys, experts and 
                                                                         statement of the amount you owe and the date payment is due. We may then 
     witnesses if we prevail in an arbitraton. However, if you are the Claimant,  must identfy yourself by including your name, address and Account 
                                       number. Any Claim Notce must explain the nature of the Claim and the  report you as delinquent if you do not pay the amount we think you owe.
     we will pay your reasonable atorney, expert and witness fees and costs if 
     you  prevail  or  if  we  must bear  such  fees  and costs  in  order  for this  relief demanded. You may only submit a Claim Notce on your own behalf 
                                       and not  on  behalf  of  any  other  party.  The  Claimant must  reasonably  If you receive our explanaton but stll believe your bill is wrong, you must write to 
     Arbitraton Provision to be enforced. Also, we will bear any fees and costs if 
     applicable law requires us to do so. cooperate in providing any informaton about the Claim that the other  us within 10 days telling us that you stll refuse to pay. If you do so, we cannot 
   i. Governing Law:  This Arbitraton Provision is governed by the Federal  party reasonably  requests  and  must  give  the  other  party  a  reasonable  report you as delinquent without also reportng that you are questoning your bill. 
     Arbitraton  Act, 9  U.S.C. ��  1-16  (the  �FAA�), and  not  by  any  state  opportunity to respond to the demand for relief. If: (i) you submit a Claim  We must tell you the name of anyone to whom we reported you as delinquent, 
                                                                       and we must let those organizatons know when the mater has been setled 
     arbitraton law. The arbitrator must apply applicable substantve law  Notce 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  between us.  If we do not follow all of the rules above, you do not have to pay the 
     consistent with the FAA and applicable statutes of limitatons and claims of 
     privilege  recognized  at  law.  The  arbitrator  is  authorized  to  award  all  request; and (iii) an arbitrator subsequently determines that you were  frst $50.00 of the amount you queston even if your bill is correct.
     remedies permited by the substantve law that would apply if the acton  enttled to such relief (or greater relief), the arbitrator shall award you at 
                                       least $7,500  (not  including  any arbitraton  fees  and  atorneys�  fees  and  Your Rights If You Are Dissatisfied With Your Credit Card Purchases
     were pending in court (including, without limitaton, punitve damages, 
     which shall be governed by the Consttutonal standards employed by the  costs to which you may be enttled).
                                                                       If you are dissatsfed with the goods or services that you have purchased with 
     courts). At the tmely request of either party, the arbitrator must provide a 
                                                                       your credit card, and you have tried in good faith to correct the problem with the 
     brief writen explanaton of the basis for the award.
   j. Right to Discovery: In additon to the partes� rights to obtain discovery     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:
     pursuant to the arbitraton rules of the Administrator, either party may