1876Destiny� Mastercard� Cardholder Agreement
Dear Cardholder:This Agreement, as defined below, is your contract for your Account and:� Covers the terms that govern the use of your Account;� Outlines both your responsibilities and ours;� Includes certain disclosures required by the Federal Truth in Lending Act;� Includes certain disclosures required by the Federal Military Lending Act; � Includes an Arbitration of Disputes Provision that will substantially affect your rightsunless you reject it; and� Contains important information about your Account.W ee n c o u r a g ey o ut or e a dt h eA g r e e m e n ta n dk e e pi tf o ry o u rr e c o r d s . P l e a s ef e e lf r e et ocall us with any questions you may have.  We look forward to serving you.
CARDHOLDER AGREEMENT                                                                                                                                   This Agreement contains the terms that govern the use of your Destiny Mastercard Account and out-lines both your responsibilities and ours.  Please read it in its entirety and keep it for your reference.  Ina d d i t i o n ,a n yw r i t t e na p p l i c a t i o n ,a c c e p t a n c ec e r t i fi c a t eo ro t h e rr e q u e s ty o us i g n e do ro t h e r w i s es u b - mitted for this Account (the �Application�), your Card and the Card Carrier that we send with your Card,and your signature (including any electronic or digital signature) on any Application, sales slip or otherevidence of indebtedness on your Account, are hereby incorporated into and made a part of this Agree-ment. This Agreement begins on the earlier of (i) the date you sign or otherwise submit an Applicationt h a ti sa p p r o v e db yu s ,o r( i i )t h efi r s td a t et h a tw ee x t e n dc r e d i tt oy o uo ny o u rA c c o u n t ,a se v i d e n c e db ya signed sales slip or memorandum, a Cash Advance transaction, or otherwise.Definitions.T os i m p l i f yt h i sA g r e e m e n tf o ry o u ,t h ed e fi n i t i o n sl i s t e db e l o ww i l la p p l yt h r o u g h o u t ,b o t hin this Agreement and in your monthly Statements. In addition, the words you,your, andyours refer to the Cardholder(s) who holds the Card and is responsible for the Account, each of whom is individuallyand jointly obligated under this Agreement. The words we,us, andour refer to First Electronic Bank. Account: The credit card account for which you were issued a Card imprinted with your Account numberand that is subject to all of the terms and conditions of this Agreement.ATM: Automated Teller Machine.Billing Cycle: The time interval covered by a monthly Statement. Each Billing Cycle is approximately 30d a y si nl e n g t h ;h o w e v e r ,t h es p e c i fi cp e r i o do ft i m ei sd e s c r i b e do ne a c hm o n t h l yS t a t e m e n t .Y o u rA c - count will have a Billing Cycle even if a Statement is not required.Card: Any Destiny Mastercard issued by us that you may use to obtain a Cash Advance, make Purchas-es, or lease goods or services on credit.  Use of your Account number to obtain credit will be considereda use of the Card.Card Carrier:The carrier that contains your Card.Cardholder: The person to whom a Card is issued, or who has agreed to pay obligations arising from aCard issued to another person.Cash Advance: Credit extended to you in the form of a cash loan through any financial institution hon - o r i n gt h eC a r de i t h e rp r e s e n t e dd i r e c t l yo rt h r o u g ha n yo t h e rc r e d i ti n s t r u m e n t ,c h e c k ,d e v i c e ,o v e r d r a f tc o v e r a g ep l a no rA T Mt h a tw em a k ea v a i l a b l et oy o uo rt h a ty o uu s e .A l lc a s he q u i v a l e n tt r a n s a c t i o n swill be treated as Cash Advances and will be billed to the Cash Advance segment of your Account.T r a n s a c t i o n st h a tw ev i e wa s� c a s he q u i v a l e n tt r a n s a c t i o n s �i n c l u d ew i t h o u tl i m i t a t i o nu s i n gy o u rC a r dto purchase wire transfer money orders, bets, lottery tickets, casino gaming chips, and other similarproducts and services.Closing Date: The date of the last day of a Billing Cycle.Credit Limit:T h em a x i m u ma m o u n to fc r e d i ta v a i l a b l et oy o uo ny o u rA c c o u n t .Y o u rC r e d i tL i m i tw i l lb edisclosed on your Card Carrier and your monthly Statements.Purchase:A n ye x t e n s i o no fc r e d i tt oy o u rA c c o u n tf o rt h ep u r p o s eo fp u r c h a s i n go rl e a s i n gg o o d so rservices from participating merchants.Statement: A monthly document we provide to you showing Account information including, among oth-er things, Purchase and Cash Advance transactions, credits and debits, payments, fees, and interestcharges made to your Account during a Billing Cycle.Purchases and Cash Advances.Y o um a yu s ey o u rC a r dt op u r c h a s eo rl e a s eg o o d so rs e r v i c e sf r o mp a r t i c i p a t i n gm e r c h a n t s .Y o um a ya l s ou s ey o u rC a r dt oo b t a i nC a s hA d v a n c e sf r o my o u rA c c o u n ta ta nA T M ,o r  b yp r e s e n t i n gi tt o  a n yi n s t i t u t i o nt h a ta c c e p t st h e  C a r d  f o rt h a t  p u r p o s e .  T h e r e  a r ed o l l a r  l i m i t a -t i o n so ni n d i v i d u a lC a s hA d v a n c et r a n s a c t i o n s ,a n dw em a ys e taC a s hA d v a n c eL i m i tf o ry o u rA c c o u n t .Please contact us for information about the Cash Advance limitations that apply to your Account. Inaddition, we may limit your Account to only one Cash Advance transaction per day.Y o up r o m i s et op a yu sa n da r el i a b l ef o ra l la m o u n t sr e s u l t i n gf r o mt h ea u t h o r i z e du s eo fy o u rC a r do rAccount, plus any applicable interest charges and other applicable charges or fees, payable in U.S.charge you interest on that amount.� W h i l ey o ud on o th a v et op a yt h ea m o u n ti nq u e s t i o n ,y o ua r er e s p o n s i b l ef o rt h eremainder of your balance.� W ec a na p p l ya n yu n p a i da m o u n ta g a i n s tyour Credit Limit.A f t e rw efi n i s ho u ri n v e s t i g a t i o n ,o n eo ft w othings will happen:�If we made a mistake:Y o uw i l ln o th a v et op a yt h ea m o u n ti nq u e s t i o no ra n yi n t e r - est or other fees related to that amount.�If we do not believe there was a mistake:You will have to pay the amount in ques - tion, along with applicable interest andf e e s .W ew i l lt h e ns e n dy o uaS t a t e m e n to ft h ea m o u n ty o uo w ea n dt h ed a t ep a y -m e n ti sd u e .W em a yt h e nr e p o r ty o ua sd e l i n q u e n ti fy o ud on o tp a yt h ea m o u n twe think you owe.I fy o ur e c e i v eo u re x p l a n a t i o nb u ts t i l lb e l i e v ey o u rbill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,w ec a n n o tr e p o r ty o ua sd e l i n q u e n tw i t h o u ta l s or e p o r t i n gt h a ty o ua r eq u e s t i o n i n gy o u rb i l l .W emust tell you the name of anyone to whom we re-p o r t e dy o ua sd e l i n q u e n t ,a n dw em u s tl e tt h o s eorganizations know when the matter has beensettled between us.  If we do not follow all of ther u l e sa b o v e ,y o ud on o th a v et op a yt h efi r s t$ 5 0o ft h ea m o u n ty o uq u e s t i o n ,e v e ni fy o u rb i l li scorrect.Y o u rR i g h t sI fY o uA r eD i s s a t i s fi e dW i t hY o u rCredit Card PurchasesI fy o ua r ed i s s a t i s fi e dw i t ht h eg o o d so rs e r v i c e sthat you have purchased with your credit card,and you have tried in good faith to correct theproblem with the merchant, you may have theright not to pay the remaining amount due on theP u r c h a s e . T ou s et h i sr i g h t ,a l lo ft h ef o l l o w i n gmust be true:1. The Purchase must have been made iny o u rh o m es t a t eo rw i t h i n1 0 0m i l e so fy o u rcurrent mailing address, and the Purchaseprice must have been more than $50. (Note:N e i t h e ro ft h e s ea r en e c e s s a r yi fy o u rP u r - chase was based on an advertisement wem a i l e d  t o  y o u ,  o r  i f  w e  o w n  t h e  c o m p a n ythat sold you the goods or services.)2 . Y o um u s th a v eu s e dy o u rc r e d i tc a r df o rt h ePurchase. Purchases made with cash ad-vances from an ATM or with a check thataccesses your credit card account do notqualify.3 .Y o um u s tn o ty e th a v ef u l l yp a i df o rt h eP u r - chase.If all of the criteria above are met and you are stilld i s s a t i s fi e dw i t ht h eP u r c h a s e ,c o n t a c tu s in writ- inga tG e n e s i sF SC a r dS e r v i c e s ,P . O .B o x4 4 9 9 ,Beaverton, OR 97076-4499. While we investigate,the same rules apply to the disputed amount asdiscussed above.  After we finish our investiga - tion, we will tell you our decision.  At that point, ifw et h i n ky o uo w ea na m o u n ta n dy o ud on o tp a y ,we may report you as delinquent.The Card Issuer:First Electronic Bankable, the remainder of this Section shall be givenf u l lf o r c ea n de ff e c t .H o w e v e r ,i ft h ep r o v i s i o nprecluding class, representative or private attor-ney general Claims in arbitration is deemed unen-forceable, then this entire Arbitration Agreementshall be void and of no force and effect.Y o um a yr e j e c tt h i sp r o v i s i o n ,i nw h i c hc a s eo n l ya court may be used to resolve any dispute orc l a i m .R e j e c t i o nw i l ln o ta ff e c ta n yo t h e ra s p e c to fthe Agreement. To reject this Provision, you musts e n du san o t i c ew i t h i ns i x t y( 6 0 )d a y sa f t e ry o uo p e ny o u rA c c o u n to rw efi r s tp r o v i d ey o uw i t ha right to reject this Provision. This notice mustinclude your name, address and Account Numberand be mailed to Genesis FS Card Services, Inc.,A t t n :A r b i t r a t i o nP r o v i s i o n ,P . O .B o x4 4 7 7 ,B e a - v e r t o n ,O r e g o n9 7 0 7 6 .T h i si st h eo n l yw a yy o ucan reject this Provision.YOUR BILLING RIGHTS � KEEP THIS NOTICEFOR FUTURE USEThis notice tells you about your rights and ourresponsibilities under the Fair Credit Billing Act.W h a tT oD oI fY o uT h i n kY o uF i n dAM i s t a k eO nYour StatementIf you think there is an error on your Statement,please write to us at:  Genesis FS Card Services,P.O. Box 4499, Beaverton, OR 97076-4499.In your letter, give us the following information:�Account information:Your name and Ac- count number.�Dollar amount:T h e  d o l l a r  a m o u n t  o f  t h esuspected error.�Description of problem:If you think thereis an error on your bill, describe what youbelieve is wrong and why you believe it is amistake.You must contact us:� W i t h i n6 0d a y sa f t e rt h ee r r o ra p p e a r e do nyour Statement.� A tl e a s tt h r e e( 3 )b u s i n e s sd a y sb e f o r ea nautomated payment is scheduled, if youw an t  t o  st op  pa ymen t  on  t he  amoun t  y outhink is wrong.Y o um u s tn o t i f yu so fa n yp o t e n t i a le r r o r s in writ- ing.Y o um a yc a l lu s ,b u ti fy o ud ow ea r en o tr e - q u i r e dt oi n v e s t i g a t ea n yp o t e n t i a le r r o r s ,a n dy o umay have to pay the amount in question.W h a tW i l lH a p p e nA f t e rW eR e c e i v eY o u rLetterW h e nw er e c e i v ey o u rl e t t e r ,w em u s td ot w othings:1 .W i t h i n3 0d a y so fr e c e i v i n gy o u rl e t t e r ,we must tell you that we received yourletter.  We will also tell you if we have al - ready corrected the error.2 .W i t h i n9 0d a y so fr e c e i v i n gy o u rl e t t e r ,w em u s te i t h e rc o r r e c tt h ee r r o ro re x - plain to you why we believe the bill is cor-rect.W h i l ew ei n v e s t i g a t ew h e t h e ro rn o tt h e r eh a sbeen an error:� W ec a n n o tt r yt oc o l l e c tt h ea m o u n ti nq u e s t i o n ,o rr e p o r ty o ua sd e l i n q u e n to nthat amount.� T h ec h a r g ei nq u e s t i o nm a yr e m a i no nyour Statement, and we may continue toi ns m a l lc l a i m sc o u r to ry o u rs t a t e � se q u i v a l e n tcourt, so long as it remains an individual case inthat court.YOU AGREE NOT TO PARTICIPATE IN A CLASS,REPRESENTATIVE OR PRIVATE ATTORNEYG E N E R A LA C T I O NA G A I N S TU SO RA N YS E R - VICER OF YOUR ACCOUNT, INCLUDING, BUTN O TL I M I T E DT O ,G E N E S I S ,I NC O U R TO RA R B I T R A T I O N .A L S O ,Y O UM A YN O TB R I N GC L A I M SA G A I N S TU SO RA N YS E R V I C E RO FYOUR ACCOUNT, INCLUDING, BUT NOT LIMIT - E DT OG E N E S I S ,O NB E H A L FO FA N YC A R D - H O L D E RW H OI SN O TAJ O I N TC A R D H O L D E RW I T HY O UO RA NA U T H O R I Z E DU S E RO NY O U RACCOUNT (AN �UNRELATED CARDHOLDER�),AND YOU AGREE THAT NO UNRELATED CARD - H O L D E RM A YB R I N GA N YC L A I M SA G A I N S TUS OR ANY SERVICER OF YOUR ACCOUNT, IN - C L U D I N G ,B U TN O TL I M I T E DT O ,G E N E S I S ,O NY O U RB E H A L F .C L A I M SB YY O UA N DA NU N - RELATED CARDHOLDER MAY NOT BE JOINEDI NAS I N G L EA R B I T R A T I O N .T H EA R B I T R A T O RW I L LN O TH A V ET H EP O W E RT OC O N S I D E RS U C HC L A S S ,R E P R E S E N T A T I V EO RP R I V A T EA T T O R N E YG E N E R A LA C T I O N SO RA N YS U C HC L A I M SY O UB R I N GO NB E H A L FO FA NU N R E - LATED CARDHOLDER.J u d g m e n to nt h ea r b i t r a t i o na w a r dm a yb ee n - tered in any court having jurisdiction. Any disputeregarding whether a particular controversy issubject to arbitration, or the applicability or en-f o r c e a b i l i t y  o f  t h e  f o r e g o i n g  p a r a g r a p h ,  w i l l  b edecided by a court and not by an arbitrator.If you or we or any servicer of your Account, in-cluding, but not limited to, Genesis, elect to ar-bitrate a claim, the electing party must notify theother party in writing. The notice can be given af-ter the beginning of a lawsuit and can be given inp a p e r sfi l e di nt h el a w s u i t .O t h e r w i s e ,y o u rn o t i c emust be sent to Genesis FS Card Services, Inc.,Attn: Arbitration Demand, P.O. Box 4477, Beaver - t o n ,O r e g o n9 7 0 7 6 ,a n do u rn o t i c em u s tb es e n tt ot h em o s tr e c e n ta d d r e s sf o ry o ui no u rfi l e s .The arbitration will be administered by the Amer-ican Arbitration Association (the �AAA�) under itsr u l e si ne ff e c ta tt h et i m ea na r b i t r a t i o ni sc o m - menced that are applicable to the resolution ofc o n s u m e rd i s p u t e s( t h e� A r b i t r a t i o nR u l e s � ) .W ewill tell you how to contact the AAA and how toget a copy of the Arbitration Rules without costif you ask us in writing to do so. The ArbitrationR u l e sp e r m i ty o ut or e q u e s td e f e r r a lo rr e d u c t i o nof the administrative fees of arbitration if payingthem would cause you a hardship. In addition, ifyou ask us in writing, we will consider your re-quest to pay any or all of your costs of arbitration.Each arbitrator shall be a licensed attorney whohas been engaged in the private practice of lawc o n t i n u o u s l y  d u r i n g  t h e  t e n  y e a r s  i m m e d i a t e -ly preceding the arbitration or a retired judge ofa court of general or appellate jurisdiction. Thea r b i t r a t i o na w a r ds h a l la w a r do n l y  s u c hr e l i e f  a sa court of competent jurisdiction could properlyaward under applicable law, including attorneys�fees if allowed by applicable law or agreement.All statutes of limitation, defenses, and attor-ney-client and other privileges that would applyin a court proceeding will apply in the arbitration.If any provision of this Section regarding arbitra-tion of disputes shall be deemed to be unenforce-this Agreement are for the convenience of refer-e n c eo n l ya n da r en o ti n t e n d e dt od e fi n eo rd e - scribe the scope or intent of any portion of theAgreement.Governing Law. Except as expressly set forth inthe Arbitration of Disputes section, this Agreementand the interpretation and enforcement thereof(including but not limited to the exportation of in - t e r e s tr a t e s )w i l lb eg o v e r n e db yF e d e r a ll a wt h a tapplies to us, and to the extent not preempted byFederal law, the laws of the State of Utah, withoutr e g a r dt oi t sc o n fl i c t so fl a wp r o v i s i o n sa n dp r i n - c i p l e s .I ft h e r ei sa n yc o n fl i c tb e t w e e na n yo ft h eterms and conditions of this Agreement and ap-plicable Federal or State law, this Agreement willbe considered changed to the extent necessaryto comply with the applicable law.Arbitration of Disputes Provision. PLEASE READ THIS ARBITRATION OF DISPUTES PROVI - S I O NC A R E F U L L Y .U N L E S SY O US E N DU ST H ER E J E C T I O NN O T I C ED E S C R I B E DB E L O W ,T H I SPROVISION WILL APPLY TO YOUR ACCOUNT,A N DM O S TD I S P U T E SB E T W E E NY O U ,O NT H EO N EH A N D ,A N DU SO RA N YS E R V I C E RO FYOUR ACCOUNT, INCLUDING, BUT NOT LIM - I T E DT O ,G E N E S I SF SC A R DS E R V I C E S ,I N C .( � G E N E S I S � ) ,O NT H EO T H E RH A N D ,W I L LB ES U B J E C TT OI N D I V I D U A LA R B I T R A T I O N .T H I SM E A N ST H A T :( 1 )N E I T H E RAC O U R TN O RAJ U R YW I L LR E S O L V EA N YS U C HD I S P U T E ;( 2 )Y O UW I L LN O TB EA B L ET OP A R T I C I P A T EI NAC L A S SA C T I O NO RS I M I L A RP R O C E E D I N G ;( 3 )L E S SI N F O R M A T I O NW I L LB EA V A I L A B L E ;A N D( 4 )A P P E A LR I G H T SW I L LB EL I M I T E D .THIS ARBITRATION OF DISPUTES PROVISIOND O E SN O TA P P L YT OY O UI F ,A SO FT H ED A T EO FT H I SA G R E E M E N T ,Y O UA R EAM E M B E RO FT H EA R M E DF O R C E SO RAD E P E N D E N TO FS U C HM E M B E RE N T I T L E DT OP R O T E C - TION UNDER THE FEDERAL MILITARY LEND - I N GA C T .P L E A S ES E ET H ES E C T I O NO FT H I SAGREEMENT LABELED �MILITARY LENDINGA C T . �I FY O UW O U L DL I K EM O R EI N F O R M A - TION ABOUT WHETHER YOU ARE ENTITLEDT OP R O T E C T I O NU N D E RT H EF E D E R A LM I L I - T A R YL E N D I N GA C T ,Y O UM A YC O N T A C TU SA T1-800-583-5698.This provision replaces any existing arbitrationp r o v i s i o nw i t hu sa n dw i l ls t a yi nf o r c en om a t -ter what happens to your Account, including theclosing of your Account. Except as expressly pro - vided below, you must arbitrate individually, bybinding arbitration under the Federal ArbitrationAct (�FAA�), any dispute or claim between you,a n yj o i n tC a r d h o l d e ra n d / o rA u t h o r i z e dU s e r ,o nt h eo n eh a n d ,a n du s,o u ra ffi l i a t e s ,a n da g e n t s ,a n d / o r  a n y  s e rv i c e r  o f  y o u r  A c c o u n t ,  i n c l u d i n g ,but not limited to, Genesis, on the other hand, ifthe dispute or claim arises out of or is related to(a) this Agreement (including without limitation,any dispute over the validity of this Agreement toarbitrate disputes or of this entire Agreement), or(b) your Account, or (c) any relationship resultingfrom this Agreement, or (d) any insurance or otherservice related to your Account, or (e) any otheragreement related to your Account (including pri-or agreements) or any such service, or (f) breachof this Agreement or any other such agreement,whether based on statute, contract, tort or anyo t h e rl e g a lt h e o r y( a n y� C l a i m � ) .H o w e v e r ,w ew i l ln o tr e q u i r ey o ut oa r b i t r a t ea n yi n d i v i d u a lC l a i m st ot i m e ,w em a yo ff e ry o ub e n e fi t sa n ds e r v i c e sw i t hy o u rA c c o u n t .T h e s eb e n e fi t sa n ds e r v i c e sm a yb ep r o v i d e db yu so rt h i r dp a r t i e s .U n l e s se x p r e s s l ym a d eap a r to ft h i sA g r e e m e n t ,a n de x c e p ta sp r o v i d e di nt h eA r b i t r a t i o no fD i s p u t e ss e c t i o nb e l o w ,a n ys u c hb e n e fi t sa n ds e r v i c e sare not a part of this Agreement, and are sub-ject only to the terms and conditions outlined int h eb e n e fi t so rs e r v i c e sb r o c h u r ea n do t h e ro ffi - cial documents provided to you with respect tot h eb e n e fi t sa n ds e r v i c e s .W em a ya d j u s t ,a d d ,o rd e l e t eb e n e fi t so rs e r v i c e sa ta n yt i m ei na c - cordance with the brochures or documents your e c e i v e .E x c e p ta sr e q u i r e db ya p p l i c a b l el a w ,w eare not liable for benefits or services provided bythird parties or the actions or omissions of thosethird parties.Foreign Currency Conversion. P a y m e n t  m u s tbe made in U.S. Dollars for charges you incur ina n yo t h e rc u r r e n c y .I fy o ue ff e c tat r a n s a c t i o nw i t hyour Card in a currency other than U.S. Dollars,Mastercard International Incorporated (�Master-c a r d � )  w i l lc o n v e r tt h ec h a r g e  i n t oa  U . S .D o l l a ramount. Mastercard will act in accordance withi t s  o p e r a t i n g  r e g u l a t i o n s  o r  c o n v e r s i o n  p r o c e -d u r e si ne ff e c ta tt h et i m et h a tt h et r a n s a c t i o ni sprocessed. Currently, the currency conversionrate used by Mastercard to determine the trans-action amount in U.S. Dollars for such transac-tions is generally either a government mandatedra t e  or  a  w h o l esal e  ra t e  d e t erm i n ed b y  M as t er -card for the processing cycle in which the trans-a c t i o n  i s  p r o c e s s e d .  T h e  c u r r e n c y  c o n v e r s i o nrate used by Mastercard on the processing datem a yd i ff e rf r o mt h er a t et h a tw o u l dh a v eb e e nused on the Purchase date or monthly State-m e n tp o s t i n gd a t e .W ew i l la l s oa s s e s saF o r e i g nCurrency Conversion Fee interest charge as de-s c r i b e di nt h e� H o wI n t e r e s tC h a r g e sa r eD e t e r - mined� section.Honoring Your Card.W ea r en o tr e s p o n s i b l ei fa n y o n er e f u s e st oa c c e p ty o u rC a r do rA c c o u n tf o r  a n y  r e a s o n .  A l t h o u g h  y o u  m a y  h a v e  c r e d i tavailable, we may decline any transaction for anyr e a s o n .W ea r en o tl i a b l ef o ra n yr e f u s a lt oh o n o ryour Card or Account.From time to time, due to circumstances beyondour  control  ( such  as  s yst em  failures,  nat ural  di-sasters, or other unpredictable events), our ser-v i c e sm a yn o tb ea v a i l a b l e .W h e nt h i sh a p p e n s ,you may be unable to use your Card or obtaininformation about your Account. We will not beresponsible or liable if this happens.Change of Address, Employment and Tele - phone.W ew i l ls e n da l lw r i t t e nn o t i c e sa n dStatements to your address as it appears on ourr ecor ds .  T o  a v o id  d el a y s  and  m iss ed  p a ym en t st h a tc o u l da ff e c ty o u rc r e d i ts t a n d i n g ,y o ua g r e eto promptly advise us if you change your mail-ing address, place of employment, or telephonenumber.Severability. I n  t h e  e v e n t  t h a t  a n y  p r o v i s i o n  o ft h i sA g r e e m e n t  i s  d e t e r m i n e dt ob ei n v a l i d  o ru n -enforceable for any reason, the remaining provi-sions will remain in effect.Entire Agreement; Interpretation. This Agree-m e n t( i n c l u d i n go t h e rd o c u m e n t si n c o r p o r a t e dherein by reference) constitutes the final expres - sion of the credit agreement between you and usrelating to your Account. The headings used inM-133890
13541915_1_M-133890.indd  1 5/12/21   8:46 AM 543 2C h a n g eo fT e r m s .S u b j e c tt ot h el i m i t a t i o n so fa p p l i c a b l el a w ,w em a y ,a ta n yt i m e ,c h a n g eo rr e m o v ea n yo ft h et e r m sa n dc o n d i t i o n so f ,or add new terms or conditions to, this Agree - m e n t .I fr e q u i r e db ya p p l i c a b l el a w ,w ew i l lm a i lw r i t t e nn o t i c eo fs u c hac h a n g et oy o ui nt h em a n n e rr e q u i r e db ys u c hl a w .A so ft h ee ff e c t i v ed a t e ,t h ec h a n g e do rn e wt e r m sw i l lapply to new Purchases and Cash Advancesa n da l s ot ot h eo u t s t a n d i n gb a l a n c eo fy o u rAccount, subject to the limitations of applica - ble law.Delay in Enforcement.W ec a nd e l a ye n f o r c i n gour rights under this Agreement without losingthem.OTHER PROVISIONSOwnership and Use of Your Card. As the Card-holder, you are liable for all credit obtained undery o u rA c c o u n t .I fy o ua u t h o r i z ea n o t h e rp e r s o nt ouse your Card, you are liable for any credit ob-tained on your Account for as long as that personholds the Card. In addition, you will remain liableu n t i ly o ur e c o v e rp o s s e s s i o no ft h eC a r d .M i s u s eo fy o u rC a r db ya na u t h o r i z e dp e r s o nw i l ln o tb ec o n s i d e r e du n a u t h o r i z e du s e .S e e� L o s tC a r d sa n dU n a u t h o r i z e dU s e �a b o v e .U p o nd e m a n d ,you must immediately return any Card we supplyto you or destroy the Card by cutting it in half.Transactions. Y ou will retain for Statement ver- i fi c a t i o ny o u rc o p yo fe a c hP u r c h a s es l i p ,C a s hAdvance or other transaction to your Account.T r a n s f e ro fY o u rA c c o u n t . Y ou may not trans- f e ry o u rA c c o u n tt oa n yo t h e rp e r s o n .W em a yassign your Account or amounts owing undery o u r  A c c o u n t  t o  a n y  o t h e r  p e r s o n  a t  a n y  t i m eand the assignee will take our place under theAgreement with respect to all agreements andinterests transferred. You must pay the assigneeand otherwise perform your obligations under theassigned agreements and interests.Closing or Suspending Your Account. We may close or suspend your Account or your ability too b t a i n  c r e d i t  o n  y o u r  A c c o u n t ,  o r  b o t h ,  a t  a n ytime, for any reason permitted by law and with orwithout advance notice.Y o um a yc l o s ey o u rA c c o u n ta ta n yt i m eb yc o n - tacting us. The closure of Account will not be-c o m ee ff e c t i v eu n t i ly o uh a v er e t u r n e dt ou sa l lo fthe Cards we have given you. If you have a jointAccount and want to remove one of the namesfrom the Account, we must receive a written re-q u e s ts i g n e db yb o t ho ft h eC a r d h o l d e r so nt h eAccount and all Cards must be returned uponr e q u e s t .N op a r t yi sr e l e a s e df r o mt h eo b l i g a t i o nfor the balance owing on a joint Account, unlessw ea g r e et ot h ea r r a n g e m e n t si nw r i t i n g .Y o um a yhave to reapply for a new Card for an individualA c c o u n tw h e ny o ur e q u e s tac h a n g ef r o maj o i n tAccount to an individual Account.If y our Account is closed or suspended for an yr e a s o n ,y o um u s ts t o pu s i n gy o u rC a r d .Y o umust also cancel all billing arrangements to theA c c o u n t .W ew i l ln o td ot h i sf o ry o u .I fw ec l o s eor permanently suspend your Account, you musta l s or e t u r na l lC a r d st ou s .Y o um u s ts t i l lp a yu sall amounts you owe on the Account, even if theya r ec h a r g e da f t e ry o u rA c c o u n ti sc l o s e do rs u s -pended.Additional Benefits and Services. F r o m  t i m ecommunications during this period of time.OUR RIGHTS AND HOW THEY AFFECT YOUMerchant Refunds. If a merchant agrees to givey o ua  r e f u n d  f o rg o o d so r  s e r v i c e s  p u r c h a s e dw i t hy o u rC a r do rA c c o u n t ,  y o uw i l la c c e p tac r e d -i to ny o u rA c c o u n ti n s t e a do fac a s hr e f u n d .W edo not control when a merchant sends us yourrefund and we will have a reasonable amount oftime after we receive your refund to process it.N oW a i v e ro fR i g h t s ;D i s p u t e dA m o u n t s .W ec a na c c e p tl a t eo rp a r t i a lp a y m e n t sw i t h o u tl o s i n ga n yo fo u rr i g h t su n d e rt h i sA g r e e m e n t .Y o ua g r e en o tt os e n du sp a r t i a lp a y m e n t sm a r k e d� p a i di nf u l l , �� w i t h o u tr e c o u r s e , �o rs i m i l a rl a n g u a g e .I fy o us e n ds u c hap a y m e n t ,w em a ya c c e p ti tw i t h o u tl o s i n ga n yo fo u rrights under this Agreement. All written com - munications concerning disputed amounts,i n c l u d i n ga n yc h e c ko ro t h e rp a y m e n ti n s t r u - m e n tt h a ti n d i c a t e dt h a tt h ep a y m e n tc o n s t i - t u t e s� p a y m e n ti nf u l l �o ft h ea m o u n to w e dor that is tendered with other conditions orl i m i t a t i o n so ra sf u l ls a t i s f a c t i o no fad i s p u t e da m o u n t ,m u s tb em a i l e do rd e l i v e r e dt oG e n - esis FS Card Services, P.O. Box 4499, Beaver - ton, Oregon 97076.Credit Reports and Information.You authorizeu st om a k eo rh a v em a d ea n yc r e d i t ,e m p l o y m e n t ,o ro t h e ri n v e s t i g a t i v ei n q u i r i e sw ed e e ma p p r o - p r i a t et oe x t e n dy o uc r e d i to rc o l l e c ta m o u n t so w e dt ou so ny o u rA c c o u n t .W e( i n c l u d i n ga n yassignee of the Account or amounts owing underthe Account) may also obtain information aboutyou from credit reporting agencies or others atany time and use it for the purposes of monitoringyour credit performance, managing your Accountand considering you for new offers and programs.Notice of Inaccurate Information. If you believethat we have information about you that is inac-curate or that we have reported or may report toa credit reporting agency information about youthat is inaccurate, please notify us of the specificinformation that you believe is inaccurate by writ-i n gt ou sa tG e n e s i sF SC a r dS e r v i c e s ,P . O .B o x4499, Beaverton, OR 97076.Default and Collection. Unless prohibited by ap-plicable law, your Account is considered to be ind e f a u l ti f( 1 )y o uf a i lt om a k et h er e q u i r e dM o n t h - ly  Minimum  P a yment on  or  bef ore  the P a ymentDue Date, including if your payment is returned orc a n n o tb ep r o c e s s e da n dy o ud on o tc o r r e c tt h a tf a i l u r ew i t h i n3 1d a y s ,( 2 )y o ut r yt oe x c e e do rd oe x c e e dy o u rC r e d i tL i m i tw i t h o u tp e r m i s s i o na n ddo not bring your Account back under your CreditL i m i tw i t h i n3 1d a y s ,( 3 )y o ub e c o m es u b j e c tt ob a n k r u p t c yo ri n s o l v e n c yp r o c e e d i n g s ,( 4 )y o ubecome subject to attachment or garnishmentp r o c e e d i n g s ,( 5 )y o ug i v eu sa n yf a l s ei n f o r m a t i o nor signature, (6) you die, or (7) you fail to complywith any portion of this Agreement. Our acceptinga late or partial payment does not waive default.Default on this Account will constitute default onall accounts you hold with us. Subject to any no-tice of default and right to cure or other restric-tions of applicable law, if you are in default, wemay declare the entire balance due immediately.Y o ua g r e et op a yo u rr e a s o n a b l ec o s t sa n da t t o r - n e y s �f e e sa n de x p e n s e sr e l a t e dt ot h ec o l l e c t i o nof your Account, and retrieving your Card, to theextent permitted by applicable laws.Applicability of Arbitration of Disputes Pro - vision. The Arbitration of Disputes Provision setforth in this Agreement does not apply to CoveredBorrowers.LOST CARDS AND UNAUTHORIZED USEY o uw i l lt a k er e a s o n a b l es t e p st op r e v e n tt h eu n - a u t h o r i z e du s eo fy o u rC a r da n dA c c o u n t .I fy o u rCard is lost or stolen or if someone else might beusing it without your permission, you must tell usa to n c e .Y o um a yt e l lu sb yc a l l i n gt h et e l e p h o n en u m b e ro n  t h eb a c ko f  y o u r  C a r do r  o ny o u rStatement or by writing us at the address on yourS t a t e m e n t .Y o uw i l ln o tb er e s p o n s i b l ef o rt h echarges made to your Account that are found byu st ob eu n a u t h o r i z e d .I fw er e i m b u r s ey o u rA c - count for unauthorized charges made using yourCard or Account, you will help us investigate, pur-sue, and get reimbursement from the wrongdoer.Y o u rh e l pi n c l u d e sg i v i n gu sd o c u m e n t st h a tw eask for and are acceptable to us.COMMUNICATIONSTelephone Monitoring and Recording; Com- munications. Y o u  c o n s e n t  a n d  a g r e e  t h a t ,  e x- cept as restricted by applicable law, we may mon-itor and/or record telephone calls regarding yourAccount, suppress caller identification services,use prerecorded messages, and use an auto-mated telephone dialing and announcing system.Y o ue x p r e s s l yc o n s e n tt h a tw ea n do u ra g e n t s ,a n ys e r v i c e r ,o ra n ys u b s e q u e n to w n e ro fy o u rAccount may (i) contact you at any cellular tele-phone number that you provided as part of yourapplication, at any number that you later provide(including, without limitation, after your Accountis in a default status), or at any other number thati si d e n t i fi e da sr e l a t e dt oy o u ,i n c l u d i n gb yt e x tmessage, and (ii) use automated telephone dial-ing systems to initiate such contacts and/or leaverecorded messages. If you provide us at any time with an email con-tact for your Account, you agree we may use thatemail address to contact you about your Accountand may send you information about productsand services related to your Account.W eo ro u rr e p r e s e n t a t i v e sm a yc o n t a c ty o uf r o mtime to time regarding the Account, or to ask foradditional information about you or your experi - e n c ew i t hu s .Y o ua g r e et h a ts u c hc o n t a c t sa r enot unsolicited and may include contacts at yourh o m eo rp l a c eo fe m p l o y m e n t ,d u r i n gw e e k d a y s ,weekends or holidays, on your mobile telephone,v o i c e m a i lo ra n s w e r i n gm a c h i n e ,o rb ye m a i l ,f a x ,r e c o r d e dm e s s a g e ,t e x tm e s s a g eo rp e r s o n a lvisit.H o wt oR e v o k eC o n s e n tf o rF u t u r eC o m m u - nications:I fy o uw a n tt or e v o k ey o u rc o n s e n tt ofuture communications as described in the pre-vious paragraph, you must send us a written no-tice that includes: (i) your name, mailing address,a n dA c c o u n tn u m b e r ( s ) ;( i i )t h es p e c i fi ct e l e p h o n enumber(s), email address(es) and/or mailing ad-dress(es) at which you no longer wish us to con-tact you, and (iii) the types of communications( t e l e p h o n e ,t e x t ,e m a i l ,a n d / o rm a i l )f o rw h i c hy o ua r er e v o k i n gc o n s e n t .Y o um u s ts e n dt h i sw r i t t e nn o t i c et o :G e n e s i sF SC a r dS e r v i c e s ,P . O .B o x4 4 7 7 ,B e a v e r t o n ,O R9 7 0 7 6 .Y o uu n d e r s t a n da n dagree that it may take up to three business daysa f t e r  r e c e i p to fy o u rw r i t t e nn o t i c et o  p r o c e s sy o u rr e q u e s t ,a n dt h a ty o uc o n s e n tt oc o n t i n u e dInterest Charges Are Determined sect ion  ar ea na m o u n tl e s st h a n$ 1 ,t h e naM i n i m u mI n t e r - e s tC h a r g eF e eo f$ 1w i l lb ec h a r g e di n s t e a do fsuch smaller amounts and will be treated as a feeo ny o u r  b i l l i n gs t a t e m e n t  a n d  a d d e dt o  y o u r  P u r -chases at our discretion.R e t u r n e dP a y m e n tF e e . If any payment on yourAccount is returned to us unpaid for any reason,we will charge a Returned Payment Fee to yourAccount. The Returned Payment Fee is $29 if youwere not charged a Returned Payment Fee duringa n yo ft h ep r i o rs i xB i l l i n gC y c l e s .O t h e r w i s e ,t h eR e t u r n e dP a y m e n tF e ei s$ 4 0 .T h eR e t u r n e dP a y - m e n tF e ew i l ln e v e re x c e e dt h ea m o u n to fy o u rmost recently required Monthly Minimum Pay - ment.Overlimit Fee.I fy o ue l e c t e d  t o  h a v eo v e r l i m i tcoverage, we may charge an Overlimit Fee whena transaction causes you to go over or remaino v e ry o u rC r e d i tL i m i td u r i n ga n yB i l l i n gC y c l e .W em a ya l s oc h a r g ey o ut w oa d d i t i o n a lO v e r - l i m i tF e e si fy o u rN e wB a l a n c er e m a i n so v e ry o u rC r e d i tL i m i ta so ft h eP a y m e n tD u eD a t ei nf u - t u r eB i l l i n gC y c l e s .W ew i l lo n l yc h a r g ey o uo n eO v e r l i m i tF e ep e rB i l l i n gC y c l e ,e v e ni fy o ug oo v e ryour Credit Limit multiple times in the same BillingC y c l e .T h eO v e r l i m i tF e ei s$ 2 9i fy o uw e r en o tcharged an Overlimit Fee during any of the priorsix Billing Cycles. Otherwise, the Overlimit Feei s$ 4 0 .T h eO v e r l i m i tF e ew i l ln e v e re x c e e dt h em a x i m u ma m o u n ty o ua r eo v e ry o u rC r e d i tL i m i tduring the Billing Cycle.Documentation Fee.Y o um a yr e q u e s tac o p yof a Statement previously sent to you for a Doc-u m e n t a t i o nF e eo f$ 3p e rS t a t e m e n t ,w h i c hw i l lb ea p p l i e dt oy o u rA c c o u n t .C o p i e so fs a l e st i c k -ets or other items posted to your Account mayb eo b t a i n e df o raD o c u m e n t a t i o nF e eo f$ 1 0p e rsales ticket or other item, which will be applied toyour Account. Notwithstanding the foregoing, wewill not impose any fee in connection with a goodf a i t ha s s e r t i o no fab i l l i n ge r r o ro ro t h e re x e r c i s eof your Billing Rights (see below under �Your Bill - ing Rights - Keep This Notice for Future Use�).MILITARY LENDING ACTThe Military Lending Act provides protections forCovered Borrowers. The provisions of this sec-tion apply to Covered Borrowers. If you wouldlike more information about whether you are aC o v e r e dB o r r o w e r ,y o um a yc o n t a c tu sa t1 - 8 0 0 -583-5698.Statement of MAPR. F ederal  la w  pro vides  im-portant protections to members of the ArmedF o r c e sa n dt h e i rd e p e n d e n t sr e l a t i n gt oe x t e n - s i o n so fc o n s u m e rc r e d i t .I ng e n e r a l ,t h ec o s t  o fconsumer credit to a member of the Armed Forc-e sa n dh i so rh e rd e p e n d e n tm a yn o te x c e e da nA n n u a lP e r c e n t a g eR a t eo f3 6 % . T h i sr a t em u s tinclude, as applicable to the credit transaction ora c c o u n t :( 1 )t h ec o s t sa s s o c i a t e dw i t hc r e d i ti n -surance premiums; (2) fees for ancillary productss o l di nc o n n e c t i o nw i t ht h ec r e d i tt r a n s a c t i o n ;( 3 )a n ya p p l i c a t i o nf e ec h a r g e d( o t h e rt h a nc e r - t a i na p p l i c a t i o nf e e sf o rs p e c i fi e dc r e d i tt r a n s a c - t i o n so ra c c o u n t s ) ;a n d( 4 )a n yp a r t i c i p a t i o nf e echarged (other than certain participation fees fora credit card account).Oral Disclosures. I n  o r d e r  t o  h e a r  i m p o r t a n tdisclosures and payment information about thisAgreement, you may call 1-800-290-6421.Balance Subject to Interest ChargesA v e r a g eD a i l yB a l a n c eo fP u r c h a s e s( i n c l u d - ing new Purchases): To get the Average DailyB a l a n c eo fP u r c h a s e s ,w e  t a k et h eb e g i n n i n gP u r -chase balance of your Account each day, includ-ing unpaid fees, interest charges on Purchasesa n d  F o r e i g n  C u r r e n c y  C o n v e r s i o n  F e e s  o n  P u r -chases, add any new Purchases and new fees asof the date of transaction, and subtract the ap-plicable portion of any payments and credits aso ft h et r a n s a c t i o nd a t e .O nt h efi r s td a yo faB i l l - i n gC y c l e ,w ea l s oa d da n yu n p a i dL a t eF e e sa n dOverlimit Fees. This gives us the daily balance forPurchases. Then we add all these daily balancesfor the Billing Cycle together and divide the totalby the number of days in the Billing Cycle. Thisgives us the Average Daily Balance of Purchases.A v e r a g eD a i l yB a l a n c eo fC a s hA d v a n c e s( i n - cluding new Cash Advances): To get the Aver-age Daily Balance of Cash Advances, we take thebeginning Cash Advance balance of your Accounteach day, including unpaid interest charges onC a s h  A d v a n c e s  a n d  F o r e i g n  C u r r e n c y  C o n v e r -sion Fees on Cash Advances, add any new CashAdvances as of the date of transaction, add theCash Advance Transaction Fee on any Cash Ad-vances as of the transaction date of each CashAdvance, and subtract the applicable portion ofany payments and credits as of the transactiondate. This gives us the daily balance for Cash Ad-vances. Then we add all these daily balances fort h eB i l l i n gC y c l et o g e t h e ra n dd i v i d et h et o t a lb ythe number of days in the Billing Cycle. This givesus the Average Daily Balance of Cash Advances.C o m p u t i n gt h eP u r c h a s ea n dC a s hA d v a n c eB a l a n c eM o n t h l yP e r i o d i cR a t e sa n dC o r r e - sponding Annual Percentage Rates (APR)Monthly Periodic Rates: T h e  M o n t h l y  P e r i o d -ic Rate is calculated by dividing the APR by 12.T h eP u r c h a s eA P Ri s2 4 . 9 %a n dt h es t a n d a r dM o n t h l yP e r i o d i cR a t ef o rP u r c h a s e si s2 . 0 7 5 % .T h eC a s hA d v a n c eA P Ri s2 9 . 9 %a n dt h eM o n t h l yPeriodic Rate for Cash Advances is 2.492%.OTHER FEESIn addition to interest charges, a variety of feesmay be applied to your Account, as set forth be-low.Annual Fee.W ew i l lc h a r g ea ni n i t i a lA n n u a lF e eo f$ 5 9t oy o u rA c c o u n to no ra b o u tt h ed a t ey o u rAccount is opened and then a renewal AnnualF e eo f$ 5 9o no ra b o u te a c ha n n i v e r s a r yo ft h a tdate. The initial Annual Fee is nonrefundable; therenewal Annual Fee is also nonrefundable unlessy o un o t i f yu st oc a n c e ly o u rA c c o u n tw i t h i n3 0d a y s  f r o m  t h e  m a i l i n g  d a t e  o f  t h e  b i l l i n g  S t a t e-ment or other communication containing the re-newal Annual Fee notice.Late Fee. If we do not receive your Monthly Min-imum Payment by the Closing Date of the BillingC y c l ei nw h i c ht h eP a y m e n tD u eD a t eo c c u r sa n dthe amount past due on your Account is more than$9.99, we will charge a Late Fee to your Account.T h eL a t eF e ei s$ 2 9i fy o uw e r en o tc h a r g e daL a t eF e ed u r i n ga n yo ft h ep r i o rs i xB i l l i n gC y c l e s .O t h e r w i s e ,t h eL a t eF e ei s$ 4 0 .T h eL a t eF e ew i l ln e v e re x c e e dt h ea m o u n to fy o u rm o s tr e c e n t l yrequired Monthly Minimum Payment.Minimum Interest Charge Fee. If the periodicinterest charge amounts computed in the Howt ot h eg r e a t e ro f$ 5o r5 %o ft h ea m o u n to fe a c hC a s hA d v a n c e ,n o tt oe x c e e d$ 1 0 0 .Any unpaid Cash Advance Transaction Feewill be added to the calculation of your Av-erage Daily Balance of Cash Advances.2. Periodic interest charge computed by ap-plying the applicable Monthly PeriodicRate or Rates, determined as provided be-low underComputing the Purchase andC a s hA d v a n c eB a l a n c eM o n t h l yP e r i o d i cRates and Corresponding Annual Per - centage Rates (APR) to:a. your Average Daily Balance of Cash Ad-vances (including new Cash Advances);andb. your Average Daily Balance of Purchases(including new Purchases).H o w e v e r ,i ft h et o t a lo ft h ea m o u n t ss oc o m p u t e di sa na m o u n tl e s st h a n$ 1 ,t h e naM i n i m u mI n t e r e s tC h a r g eF e eo f$ 1w i l lb eimposed instead of such smaller amounts.3 .AF o r e i g nC u r r e n c yC o n v e r s i o nF e ei na na m o u n te q u a lt o1 %o ft h ec o n v e r t e dU . S .dollar amount of each transaction, includ-ing Cash Advances and Purchases, thati se ff e c t e di na n yc u r r e n c yo t h e rt h a nU . S .dollars.W h e nI n t e r e s tC h a r g e sB e g i nt oA c c r u e . In- terest charges on Purchases will be imposed atthe applicable Monthly Periodic Rate from thedate each Purchase is made, and will continue toaccrue on unpaid balances as long as they re-m a i nu n p a i d .H o w e v e r ,w ed on o ta s s e s si n t e r e s tcharges in the following circumstances:1 .I fy o up a i dt h eN e wB a l a n c ea tt h eb e g i n - ning of your previous Billing Cycle by thePayment Due Date during the previous Bill-i n gC y c l e ,o ri ft h a tN e wB a l a n c ew a s$ 0o ra credit balance, then:a .i fy o up a yt h eN e wB a l a n c eo ny o u rc u r - rent Statement in full by the Payment DueDate in your current Billing Cycle, we willnot assess interest charges on Purchas-es during your current Billing Cycle; andb. if you make a payment that is less thant h eN e wB a l a n c eb yt h eP a y m e n tD u eDate in your current Billing Cycle, we willc r e d i tt h a tp a y m e n ta so ft h efi r s td a yi nyour current Billing Cycle.2 .I fy o uh a daN e wB a l a n c ea tt h eb e g i n n i n gof your previous Billing Cycle and you didn o tp a yt h a tN e wB a l a n c eb yt h eP a y m e n tDue Date during that previous Billing Cycle,then we will not assess interest charges ona n yP u r c h a s e sd u r i n g  t h e  c u r r e n tB i l l i n gCycle if you pay the New Balance at the be - ginning of your current Billing Cycle by thePayment Due Date in your current BillingCycle.Periodic interest charges on Cash Advances willb e  i m p o s e d  a t  t h e  a p p l i c a b l e  M o n t h l y  P e r i o d i cRate from the date each Cash Advance is madeand will continue to accrue on unpaid balancesas long as they remain unpaid. There is no graceperiod on Cash Advances and there is no periodwithin which to pay to avoid interest charges onCash Advances.Calculating the Purchase and Cash Advancethe other instructions on the Statement to GenesisF SC a r dS e r v i c e s ,P OB o x2 3 0 3 0 ,C o l u m b u s ,G A3 1 9 0 2 - 3 0 3 0 .A n yp a y m e n tr e c e i v e di nt h a tf o r mand at that address on or before 5:00 P.M., EasternT i m e ,o nan o r m a lb a n k i n gd a yw i l lb ec r e d i t e dt oyour Account that day. If your payment is receivedi nt h a tf o r ma n da tt h a ta d d r e s sa f t e r5 : 0 0P . M . ,E a s t e r nT i m e ,o nan o r m a lb a n k i n gd a y ,o ra n yt i m eon a non-banking day, we will credit it to your Ac-c o u n tt h en e x tb a n k i n gd a y .H o w e v e r ,i fy o u rP a y - ment Due Date occurs on a non-banking day, anyp a y m e n tr e c e i v e dt h en e x td a yw h i c hc o n f o r m st ot h ea b o v er e q u i r e m e n t sw i l ln o tb et r e a t e da sl a t e .Please allow at least seven (7) business days forpostal delivery. Payments received by us at anyother location or in any other form may not be cred-ited as of the day we receive them.If we accept a payment at a place other than theaddress in the immediately preceding paragraph,we may delay the crediting of the payment for up tofive (5) days. This may cause you to incur Late Feesand additional interest charges, and may result inyour Account being declared in default.W ed on o ta c c e p tc a s hp a y m e n t st h r o u g ht h em a i l .Y o um a yn o tm a k ep a y m e n t sw i t hf u n d sf r o my o u rAccount or any other credit account issued by us.When you provide a check as payment, you autho - r i z eu se i t h e rt ou s ei n f o r m a t i o nf r o my o u rc h e c kto make a one-time electronic fund transfer fromyour account or to process the payment as a checktransaction. When we use information from yourcheck to make an electronic fund transfer, fundsmay be withdrawn from your account as soon asthe same day we receive your payment and youw i l ln o tr e c e i v ey o u rc h e c kb a c kf r o my o u rfi n a n c i a linstitution.At any time, you may pay part or all of the fullamount you owe without incurring any additionalcharge for prepayment.  The amount of any pay-m e n tt h a te x c e e d sy o u rt o t a lN e wB a l a n c ew i l lb eapplied as a credit to your Account, and any re-maining credit balance will be refunded as requiredby law.Credit availability may be delayed at our sole dis-cretion to ensure payment in good funds. Youravailable credit on your Credit Limit may not reflectyour payments for up to 14 days.Application of Payments. For each Billing Cy-cle, payments up to the amount of your MonthlyMinimum Payment will be allocated in any way wedetermine, including to balances with lower Annu-a lP e r c e n t a g eR a t e sb e f o r eb a l a n c e sw i t hh i g h e rA n n u a lP e r c e n t a g eR a t e s .W ew i l lg e n e r a l l ya p p l ypayments up to the amount of your Monthly Mini-mum Payment in a manner most favorable or con-venient for us.For each Billing Cycle, to the extent your paymentse x c e e dy o u rM o n t h l yM i n i m u mP a y m e n t ,w ew i l la p p l yt h e s ee x c e s sa m o u n t si nt h eo r d e rr e q u i r e dby applicable law.HOW INTEREST CHARGES AREDETERMINEDY o u ri n t e r e s tc h a r g ef o ra n yB i l l i n gC y c l ew i l linclude the following components, the total ofw h i c h  c o n s t i t u t e s  y o u r  t o t a l  i n t e r e s t  c h a r g e  f o rthe Billing Cycle:1. A Cash Advance T ransaction Fee imposedon each Cash Advance transaction postedd u r i n gaB i l l i n gC y c l e ,i na na m o u n te q u a ldollars. This includes amounts where you didnot sign a purchase slip or other documents forthe transaction. If you use your Account numberwithout presenting your actual Card, such as formail, telephone, or internet purchases, this will betreated the same way as if you presented yourC a r d .Y o u rp r o m i s et op a yu sw i l la p p l yt oy o u restate if you die.W em a yl i m i ta n dr e s t r i c tt h eu s eo ft h eA c c o u n t /Card  at  our  discretion.  Such  limitations  and  re-strictions include, but are not limited to, gamblingtransactions, which include, but are not limited to,internet-related lottery tickets, casino gamblingc h i p s ,o ff - t r a c kb e t t i n ga n dw a g e r sa tr a c e t r a c k s .Y o ur e m a i nr e s p o n s i b l ef o ru s eo fy o u rA c c o u n t /Card in any such transactions.The Card may only be used for valid and lawfulp u r p o s e s .I fy o uu s e ,o ry o ua u t h o r i z es o m e o n eelse to use, the Card or Account for an unlawfulor impermissible purpose, you will be responsiblef o rs u c hu s ea n dm a yb er e q u i r e dt or e i m b u r s eu so rM a s t e r c a r df o ra n ya m o u n t so re x p e n s e sw eo rthey incur as a result of such use.The Card is and remains our property, and youwill surrender it to us at any time upon request.Your Credit Limit. You may not use your Accounti na n yw a yt h a tw o u l dc a u s ey o ut og oo v e ry o u rC r e d i tL i m i t .W em a yr e f u s et oa u t h o r i z eo ra c - c e p t  a n yt r a n s a c t i o no ny o u rA c c o u n tt h a tw o u l dc a u s ey o ut oe x c e e dy o u rC r e d i tL i m i t ,e v e ni fy o uh a v ea u t h o r i z e du st oc h a r g ey o ua nO v e r l i m i tF e ef o rd o i n gs o .W em a yt e m p o r a r i l ya g r e et oa l l o wy o ut oe x c e e dy o u rC r e d i tL i m i t ;h o w e v e r ,i nt h a tcase you must repay the excess amount accord - ing to the terms of this Agreement.  Any transac-t i o n sh o n o r e di ne x c e s so fy o u rC r e d i tL i m i tw i l ln o tr e s u l ti na ni n c r e a s eo fy o u rC r e d i tL i m i t .W emay at any time and without prior notice to youincrease or decrease your Credit Limit, limit theC r e d i tL i m i tf o rC a s hA d v a n c e so rt a k ea w a yy o u rability to obtain Cash Advances.MAKING PAYMENTSMonthly Statements. We will send a Statement atthe end of each monthly Billing Cycle if there is ad e b i to rc r e d i tb a l a n c eo ny o u ra c c o u n to f$ 1o rmore, a balance on which an interest charge hasb e e ni m p o s e d ,o ra so t h e r w i s er e q u i r e db ya p - p l i c a b l el a w .Y o ua g r e et op a yu s ,o ra n yp a r t yt owhom we may transfer and assign your Accountor the amounts owing under your Account, in U.S.dollars according to all terms and conditions of thisAgreement. Payments made by a check, moneyorder or other negotiable instrument must be in af o r ma c c e p t a b l et ou sa n dd r a w no naU . S .fi n a n - cial institution.Monthly Minimum Payment. Th e  M on t h l y  M i n i-m u mP a y m e n ti s7 %o fy o u rN e wB a l a n c eo r$ 4 0 ,w h i c h e v e ri sg r e a t e r ,r o u n d e dt on e a r e s td o l l a r .I fy o ue l e c tn o tt op a yy o u rN e wB a l a n c ei nf u l l ,y o umust pay at least the Monthly Minimum Payment bythe Payment Due Date shown on your Statement,w h i c hi sa tl e a s t2 5d a y sa f t e rt h eC l o s i n gD a t eo ft h eB i l l i n gC y c l e .Y o u rM o n t h l yM i n i m u mP a y m e n talso will include any past due amounts. If your NewB a l a n c ei sl e s st h a no re q u a lt oy o u rM o n t h l yM i n - imum Payment, then your Monthly Minimum Pay-ment will be equal to your New Balance.Payments should be mailed with the payment cou-pon and in the envelope provided and following
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